Question 1

Does Chipmunk connect to my bank?

Accepted Answer

No. Chipmunk never links to your bank or card accounts. Your real money stays in your bank — you manually update jars when you save or spend.

Question 2

Do I need to create an account?

Accepted Answer

No signup, email, or password required. Open the app, pick your currency, and create your first jar in seconds.

Question 3

Does Chipmunk work offline?

Accepted Answer

Yes. All data is stored locally on your device. Track jars on a plane, underground, or anywhere without internet.

Question 4

Is Chipmunk free?

Accepted Answer

Yes. The free tier includes up to 3 active jars with full add, spend, and move features. Pro is a one-time $5.99 purchase for unlimited jars and backup.

Question 5

What is envelope budgeting?

Accepted Answer

Envelope budgeting (or jar budgeting) means mentally splitting your money into labeled containers for different goals — like vacation, emergency fund, or a new laptop. Chipmunk is the digital version.

Question 6

Can I back up my jars?

Accepted Answer

Pro users can export a JSON backup anytime and restore or merge on another device — no cloud account needed.