Not another expense tracker

Chrumek

Didn't spend it? Set it aside right away - before it disappears.

Instead of logging every receipt, you capture the moments when you did not spend or spent less. Your goal, history, and charts only grow after you actually move that money into savings.

For people who have tried to "just spend less" and know that without a real transfer, the money stays in the main account and quietly disappears later.

Download for free See how it works

every skipped expense turns into a real transfer
your goal grows only after the money actually moves
you save without feeling like you are doing bookkeeping

Simple ritual

The key moment is when the money leaves your main account.

Log the amount, move it to wherever you really keep your savings, and then confirm it with one tap. Chrumek counts only what you actually set aside.

A phone with the Chrumek app next to an envelope labeled Bike, a piggy bank, and money being set aside — €19.04 does not sit around for later. It goes straight to the "Bike" goal.

Problem

Skipping a purchase does not mean the money was actually saved.

Promise

Your progress and history grow only after you confirm the transfer.

The real problem

Most people do not have a knowledge problem about saving. They have a follow-through problem.

The decision is there, but the money stays in circulation.

You skip a purchase, choose the cheaper option, or cancel an unnecessary subscription. But nothing forces that amount to move into savings.

Expense trackers show the past. They do not build savings.

At the end of the month, you know where the money went, but you still cannot see how much you truly managed to set aside.

Budgeting quickly starts to feel like extra work.

The more categories, tables, and manual entry you add, the more likely it is that the app gets abandoned after a few days.

How Chrumek works

You do not need a full budget. You just need to catch the moment when you could have spent the money.

Chrumek focuses on one thing: making sure the money you did not spend does not quietly disappear later from your main account.

You notice the saving

You skip something, choose a cheaper version, or cut an unnecessary subscription. Chrumek captures that exact moment.

It turns saving from a vague idea into a concrete amount to set aside.

You move it right away

The amount lands in a separate account, an envelope, a piggy bank, or wherever you truly keep your savings.

That way, the saving does not stay only in your head.

You confirm it with one tap

Only then does the entry go into your history, feed your goal, and become part of the charts.

You see progress you can trust because it is backed by real money movement.

After a week of using it

Instead of guessing, you can see how much you actually managed to save.

You finally see real savings

History counts only confirmed amounts. No fake progress. No inflated totals.

You get a simple ritual instead of heavy budgeting

Three quick ways to log it: I did not buy it, I bought it cheaper, I canceled a subscription.

It is easier to stay motivated

Your goal grows only after the transfer, so every move changes something real.

You do not trade privacy for financial discipline

No account, no trackers, no requirement to connect your bank.

What follow-through looks like

From the first "I did not buy it" to a goal that actually grows.

You log the amount, move it out of your main account, and confirm it only after the money is truly set aside. Journal, history, goals, and calendar show only what really made it into your savings.

Journal screen in the Chrumek app — Journal

History screen with confirmed savings — History

Transfer calendar screen in the app — Calendar

Everyday situations

Chrumek works in the moments when money usually slips away quietly.

A cheaper choice on the shelf instantly becomes a real amount to set aside.

A phone with the Chrumek app next to a coffee shelf, showing a recorded 2,00 € difference after choosing a cheaper product — The difference from a shopping decision does not stay in your head. It goes into Chrumek.

That latte on the way can stay in your wallet and fund a goal right away.

A phone with the Chrumek app in a cafe next to a menu, showing a skipped latte worth 4,50 € — You skip the latte. Chrumek turns that decision into a concrete amount.

A canceled subscription does not drift back into daily spending. It starts working toward your goal.

Reviews

More than 800 people already save with Chrumek.

"For the first time, I can see in black and white how much I actually saved, not just how much I meant to save."

Ola

"Chrumek does not reward good intentions. It only counts what you actually set aside."

Mateusz

Premium

You started setting money aside. Do not stop now.

Your first 5 transfers are free. Then choose what works best for you:

Monthly

$0.99/mo.

Renews monthly through the App Store.

Best value

Forever

$9.99

One-time purchase. Pay once and save without limits.

Start for free

Who it is for

Chrumek is for you if:

"I know I could save more, but I do not follow through in real life."
"I do not want another app for logging every expense."
"I need a simple ritual that works from day one."

Not if

Chrumek is not for you if:

you want automatic bank sync,
you need a complex financial planner,
you want an app that does everything without your confirmation.

FAQ

Common questions before downloading Chrumek.

You know exactly what you are installing: Chrumek helps you follow through on real saving, but it does not connect your bank, make transfers, or require an account.

Do I need to connect my bank?

No. Chrumek does not connect to your bank. You move the money wherever you want: a separate account, an envelope, or a piggy bank.

Does Chrumek make the transfer for me?

No. The app helps you close the ritual: you log the amount, set it aside in real life, and then confirm in the app that the money is already on your side.

What if I log an amount but never set it aside?

Then you do not confirm the transfer. That is the point: charts, history, and goals should grow only after the money is truly set aside.

Is my data sent to a server?

The data you enter in the app stays locally on your device. You do not create an account and you do not hand your decision history over to some external dashboard.

How does Premium work?

You can confirm your first 5 transfers for free. Then you can choose Premium: $0.99 per month or $9.99 forever.

Can I export my data?

Yes. Chrumek supports CSV export, so you can take your confirmed savings and goals outside the app.

Contact

Have a question before you start?

Write to me if you want to ask about Chrumek, data privacy, Premium, or anything that did not fit in the FAQ.

Write to me chrumek@chrumek.app

The final step

Do not promise yourself you will start saving. Give yourself a process that actually sets money aside.

Chrumek does not measure intentions. It helps you close the moment when the money truly ends up on your side.

No account. No bank connection. Start with the first amount you do not spend today.