# Afloat Budget & Income Planner — Envelopes, Bills, Pay Yourself

> Envelopes, Bills, Pay Yourself (iPhone/iPad app by AVE ROYD SANTIAGO.)

- Source: https://appshunter.io/ios/app/afloat-budget-and-income-planner/id6787879778 (this page in markdown: same URL + `.md`)
- Developer: [AVE ROYD SANTIAGO](https://appshunter.io/developer/1871664223)
- Category: Finance, Business
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 26.0 · 10 MB
- Languages: American English
- Released: 2026-07-22
- Data updated: 2026-08-13
- User reviews in markdown: https://appshunter.io/ios/app/afloat-budget-and-income-planner/id6787879778/reviews.md

## What is Afloat Budget & Income Planner?

Afloat is an envelope budget that turns income into a steady amount you pay yourself, then splits that across envelopes so every one of them has a job.

WHY MOST BUDGETS BREAK
A budget assumes you know what is coming in. When that number changes every month, the plan you made on the 1st is wrong by the 10th, and you stop opening the app. Afloat changes the order of operations. It smooths the income first and budgets the steady amount you actually paid yourself, so your envelopes are funded from a number you chose rather than from whatever happened to clear this week.

HOW IT WORKS
1. Log money as it lands. One tap per deposit, no bank login, and Afloat can set a slice aside for tax and savings before you see the rest.
2. Pay yourself a steady amount on a schedule you set. Good month or lean one, your take-home holds.
3. Give every amount a job. What you draw arrives in your budget, ready to split across envelopes with targets and due days.
4. Stay afloat. One glance shows how many months you are covered if the money stopped today.

ENVELOPE BUDGETING
- Envelopes with targets, grouped however you think about your money, and reorderable any time.
- Log spending against an envelope in two taps, and watch what is left in it.
- See what lands before your next payday, with what each envelope still needs to cover it.
- Snooze anything that can wait until next month.
- Filter by due, underfunded, overfunded, or snoozed.
- Credit cards tracked as what they are: money you already owe, set aside as you charge it.

BEYOND THE BUDGET
- Tax set aside on every deposit, grouped by filing period, so a bill you already knew about stops wrecking the month. Afloat sets the money aside. It does not calculate or file anything.
- An optional savings slice, split across the goals you name.
- Home Screen and Lock Screen widgets for months covered, what is due, and what is still waiting to be assigned.
- A clean activity log where every balance traces back to something you logged. Nothing is a mystery.
- Try a scenario to see how a strong month or a dry spell would play out, before it happens, without touching your real data.

NO BANK LOGIN, ON PURPOSE
Afloat does not connect to your bank. That means no sync to break, no permissions to grant, and no third party holding a list of everything you buy. You log what lands, which takes a few seconds, and it is the reason every number in the app traces back to something you decided rather than something a feed guessed.

PRIVATE BY DESIGN
No account. No sign-in. Your money stays on your device, and you can lock it behind Face ID. If you want it on your other devices too, sync runs through your own iCloud, encrypted by Apple. Nothing gets collected, and there is no one to sell it to.

BUILT FOR
Anyone whose income is not the same twice. Freelancers and contractors, hourly and shift workers, commission and tips, gig work, seasonal trades, and anyone running their own small thing.

Try Afloat free for 7 days. You will see how many months you are covered in your first session, then decide if it is worth keeping. That is how you turn income that moves into a budget that holds.

SUBSCRIPTION AND TERMS

Afloat Pro is an auto-renewable subscription: $3.99 per month or $24.99 per year, and it starts with a 7-day free trial. A one-time lifetime unlock is also available for $69.99. Prices are in US dollars and vary by region.

Payment is charged to your Apple Account when the free trial ends. Subscriptions renew automatically unless you turn off auto-renew at least 24 hours before the current period ends. You can manage or cancel anytime in your Apple Account settings.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://afloat.roydsantiago.com/privacy/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Afloat Pro Yearly | $24.99 | per year |
| Afloat Pro Monthly | $3.99 | per month |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Afloat Pro Lifetime | $69.99 | one-time |



## Version history (last 3 releases)

### 2.0 — 2026-08-09

Afloat 2.0 gives your pay a job.

The budget:
- What you pay yourself now lands in a budget you split across envelopes. Set a target on each one and watch what is left as you spend.
- Group envelopes however you think about them, and reorder them any time.
- Log spending straight against an envelope, with a keypad that steps aside as soon as you start browsing the list.

Before payday:
- Give an envelope a due day and Afloat shows what lands before you next pay yourself, alongside what each one still needs.
- Anything already past its day is flagged, and anything that can wait until next month can be snoozed.
- Filter the list by due, underfunded, overfunded, or snoozed.

Elsewhere:
- Open your bank from the account it belongs to, through a shortcut you make once in the Shortcuts app.
- Eight more income types, including three that are never taxed: refunds, gifts, and support.
- New widgets for your budget, what is due, and your savings goals.
- Savings goals now carry an icon of their own.
- Onboarding covers the whole app, including the half of it that used to arrive as a surprise.

Fixed:
- An envelope holding nothing no longer reads as on track.
- Undo and orphan cleanup could quietly lose money in edge cases. Both are now guarded.
- A handful of regressions caught in the pre-submission audit.

### 1.1 — 2026-07-28

Afloat 1.1 is about seeing your money's rhythm.

New:
- Your widgets now carry the color of your coverage, so one glance at your home screen tells you how you're doing.
- Income shows your typical deposit and the usual gap between deposits, once it has seen a few.
- When things get tight, Afloat offers to pause your savings split so more of each deposit refills your buffer. Resume in one tap when you're back in the green.
- Plan your next draw in both directions. Take less to stretch your buffer, or more when it's covered.
- Add a note to any transaction and edit it later. Client tags now show in your activity feed.
- Type an amount directly when editing a transaction instead of stepping to it.

Fixed:
- The coverage color could stay blue after your ramp-up. It now always reflects your real months covered.
- A payday reminder could still fire after you had already paid yourself. It waits for the next one now.
- Income you expect months from now no longer reads as overdue.

### 1.0 — 2026-07-23

No release notes.

## More apps by AVE ROYD SANTIAGO

- [TILT: ADHD Focus Timer](https://appshunter.io/ios/app/tilt-adhd-focus-timer/id6758234044)

All apps by AVE ROYD SANTIAGO: https://appshunter.io/developer/1871664223

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-13.*