# BreadStack: Envelope Budgeting — Spend Smarter. Stack by Stack. > Envelope budgeting app for real-time spending control and savings. (iPhone/iPad app by M&W Business Development LLC.) - Source: https://appshunter.io/ios/app/breadstack-envelope-budgeting/id6763686461 (this page in markdown: same URL + `.md`) - Developer: [M&W Business Development LLC](https://appshunter.io/developer/1870669743) - Category: Finance - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 17.0 · 18 MB - Languages: English - Released: 2026-05-18 - Data updated: 2026-07-07 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/breadstack-envelope-budgeting/id6763686461/reviews.md ## What is BreadStack? BreadStack: Envelope Budget App Take control of every dollar with the envelope budgeting method — the system proven to stop overspending and build real saving habits. BreadStack turns your money into spending stacks. Assign every dollar a job before it leaves your account. Know exactly what you have left for groceries, rent, fun money, and everything else — in real time. HOW IT WORKS Create stacks for each spending category. Set a budget. Spend. Your balances update as you go. No spreadsheets. No guessing. FEATURES • Spending Stacks — Unlimited envelopes for every category • Budget Calculator — 50/30/20, 70/20/10, or fully custom splits • Savings Goals — Track progress toward any financial goal • Spending Insights — See exactly where your money goes each month • Transaction History — Every dollar logged in one place • Home Screen Widget — Check balances without opening the app • Parent Portal — Share read-only access for family accountability • Dark mode, fully optimized WHY BREADSTACK Most budgeting apps track spending after the fact. BreadStack works before you spend. You see the limit before you swipe — so you stay in control. Built for college students, young professionals, and anyone ready to stop wondering where their money went. GET STARTED FREE Download free. No credit card required. Upgrade to Pro when you're ready for advanced features. Terms of Use: https://breadstackapp.com/terms Privacy Policy: https://breadstackapp.com/privacy ## Key features - Unlimited spending envelopes - Customizable budget calculator - Savings goal tracking - Spending insights - Transaction history - Home screen widget - Parent portal ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | BreadStack Pro Weekly | $2.99 | per 7 days | | BreadStack Pro Yearly | $39.99 | per year | ## Frequently asked questions about BreadStack ### What is the envelope budgeting method used by BreadStack? Envelope budgeting involves assigning specific amounts of money to different spending categories (envelopes) before you spend. BreadStack helps you visualize and manage these 'stacks' in real-time, ensuring you know exactly how much is left for each category before you make a purchase. ### How does BreadStack help prevent overspending? BreadStack's core function is to show you your spending limits for each category before you spend. By assigning every dollar a job, you see the available balance for groceries, entertainment, or rent, preventing you from overspending in any one area. ### Can I set up custom budgets in BreadStack? Yes, BreadStack offers a budget calculator that supports popular splits like 50/30/20 and 70/20/10, as well as fully custom budget configurations to suit your unique financial situation. ### What are the subscription options for BreadStack Pro? BreadStack offers a Pro version with advanced features. Subscription plans include BreadStack Pro Weekly at $2.99/P7D and BreadStack Pro Yearly at $39.99/P1Y, which includes a 7-day free trial. ### Is BreadStack available on multiple devices? Yes, BreadStack is supported on both iPhone and iPad, allowing you to manage your finances across your Apple devices. ### How often is BreadStack updated? The latest version of BreadStack is 1.1.2, and it was last updated on May 25, 2026. This indicates a recent update, suggesting ongoing development and support. ### Does BreadStack have ads? No, BreadStack does not contain advertisements. The app is free to download and use, with an option to upgrade to a Pro version for advanced features. ### What is the age rating for BreadStack? BreadStack has an age rating of 4+, making it suitable for users of all ages to learn and practice budgeting skills. ## Version history (last 3 releases) ### 1.1.2 — 2026-05-25 What's New in 1.1.2 Bug fixes and improvements: Fixed an issue where debt stacks could not be deleted You can now edit the original debt amount on any debt stack Fixed payment history showing correctly but remaining balance and progress bar not updating Fixed the App Store review prompt appearing more than once Short, clean, factual — Apple reviewers and users both prefer that over marketing language. Go ahead and submit build 25 through Xcode / TestFlight → App Store Connect. ### 1.1.0 — 2026-05-20 What's New in 1.1.0 Debt Tracking Create debt stacks for credit cards, student loans, car payments, or anything you owe. Log payments, watch your balance drop, and see your payoff progress every day. Add debt during setup or anytime from the home screen. Budget Calculator - Now Open to Everyone Free users can now explore the full Budget Calculator. Set your income, see how your money splits across categories, and plan your stacks without upgrading. Faster App Stacks, profile, and transaction history now load instantly on every launch. Fixes and Polish - Budget pie chart now shows your loaf structure right away, even before you enter amounts - Fixed a crash some users hit when opening the Add Money screen - Loading screen during account setup is smoother - Widget no longer shows the app name header - Monthly plan removed - Weekly and Yearly only - Supports iOS 17 and later ### 1.0 — 2026-05-19 No release notes. --- *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 2026-07-07.*