Meet SinkJar — Lumpy bills, smoothed monthly
SinkJar is the offline iPhone app for smoothing out the lumpy bills that wreck your budget — Christmas, car registration, insurance renewals, vet visits, property tax.
Finance
SinkJar
Lumpy bills, smoothed monthly.
Every feature, from the first launch.
No account, no login, no cloud. Everything runs on your device and works fully offline — nothing in this post is hidden behind a wall.
What SinkJar does
SinkJar is the offline iPhone app for smoothing out the lumpy bills that wreck your budget — Christmas, car registration, insurance renewals, vet visits, property tax. No subscription. No bank link. No account.
The sinking-fund method is decades old and works. YNAB does it, but charges $109 a year (a 118% price hike since 2014). Goodbudget caps the free tier at 10 envelopes. EveryDollar's free tier doesn't auto-allocate. SinkJar costs $9.99 once and never touches your bank.
What SinkJar does:
— Unlimited jars. Christmas, summer camp, brake job, every cat's vet checkup. Add as many as you want. — Calendar-aware auto-targets. Tell it 'I need $1,200 by December 1' and it computes 'put $52 per week starting this Friday.' Adjusts as you hit milestones. — Per-jar deposit history with Swift Charts trajectory line. See whether you're on track or behind. — Payday EventKit reminders: pings you on your payday to deposit to the jars that need it most. — CSV export. Drop everything into Numbers or Excel for your year-end review.
Manual deposits — tap +$50 when you actually move the money in your real bank. No Plaid, no read-only credentials, no consent screens. SinkJar's job is the math, the calendar, the reminder. Your bank is your bank.
A look inside
Tap any screenshot to open the full-resolution version.
What's inside
- Jar grid — Tile view of every sinking fund with progress ring
- New jar — Name, target amount, target date, optional category icon
- Deposit — Tap +$X to record manual deposit; ledger row added
- Trajectory — Swift Charts: cumulative deposits vs. linear-to-target line
- Payday reminders — EventKit notification on user-set payday to deposit by jar priority
Why we built it
Households can't smooth lumpy annual expenses (Christmas, registration, insurance, vet) because YNAB costs $109/yr, Goodbudget free is capped at 10 envelopes, and EveryDollar's free tier doesn't compute the per-paycheck contribution needed to hit a calendar-dated goal.
What makes it different
SinkJar is the only sinking-fund app that auto-computes the per-paycheck deposit needed to hit a calendar-dated goal ('Christmas $1,200 by Dec 1 = $52/week starting today'), supports unlimited jars, costs $9.99 once with no subscription, and never asks for a bank credential — YNAB charges $109/yr and requires bank syn…
Who it's for
Freelancers, contractors, and small-business owners who want their numbers right at tax time without renting a SaaS to do it.
In one line: Lumpy bills, smoothed monthly.
Try it
See the SinkJar app page for the full feature list, the info table, and support links.
Use SinkJar, found a bug, or have a feature request? Comments are open below — anonymous is fine.
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