# Envelope Budget - Fundwise — Zero-Based Envelope Budgeting > Zero-Based Envelope Budgeting (iPhone/iPad app by Parag Bafna.) - Source: https://appshunter.io/ios/app/envelope-budget-fundwise/id6756845062 (this page in markdown: same URL + `.md`) - Developer: [Parag Bafna](https://appshunter.io/developer/1827018897) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 17.6 · 3 MB - Languages: English - Released: 2025-12-26 - Data updated: 2026-06-15 - User reviews in markdown: https://appshunter.io/ios/app/envelope-budget-fundwise/id6756845062/reviews.md ## What is Envelope Budget? Stop wondering where your money went. Start telling it where to go. Fundwise uses the proven zero-based envelope budgeting method to help you take complete control of your finances. Every dollar gets a job, every expense is planned, and you always know exactly what you can afford to spend. HOW IT WORKS 1. Add your income to Ready to Assign 2. Assign every dollar to budget categories (envelopes) 3. Spend only what is in each envelope 4. Adjust as life happens - move money between categories anytime It is simple, flexible, and incredibly effective. FEATURES - Zero-Based Budgeting Assign every dollar a purpose. No more money slipping through the cracks. - Multiple Accounts Track checking, savings, credit cards, and cash - all in one place. See your complete financial picture. - Smart Credit Card Handling Automatically tracks what you owe. When you budget for a purchase, the money is set aside for your credit card payment. - Split Transactions One purchase, multiple categories. Split a grocery run across Food, Household, and Dining so every dollar lands in the right envelope automatically. - Goals and Targets Save for vacation, emergency fund, or that new laptop. Set monthly targets or save by a specific date. - Age of Money See how long your money sits before you spend it. The longer, the better — it means you're spending last month's income, not scrambling to cover this month's bills. - Bulk Actions Select multiple transactions at once to categorize, clear, flag, or delete them in a single tap. Ideal after importing a CSV or reconciling a statement. - Recurring Transactions Set up bills and subscriptions once. Fundwise generates them automatically so you never miss a payment. - Budget vs Actual Reports See exactly how your spending compares to what you planned — per category, per month. Spot overspending before it becomes a habit. - Beautiful Widgets See your Ready to Assign balance, spending summary, and account balances right from your Home Screen. - Import Your Data Import transactions directly from your bank or credit card as CSV files. Works with exports from Chase, Wells Fargo, Bank of America, and most major banks. - iCloud Sync Access your budget on iPhone, iPad, and Mac. Everything syncs automatically through your personal iCloud. PRIVACY FIRST Your financial data is yours alone. Fundwise stores everything in YOUR personal iCloud account using end-to-end encryption. We cannot see your transactions, balances, or budgets - ever. No analytics, no tracking, no data selling. Period. PRICING - 30-day free trial (no credit card required) - Monthly: $1.99/month - Yearly: $19.99/year (save 17%) Cancel anytime. Your data remains yours even if you unsubscribe. WHY ENVELOPE BUDGETING? Traditional budgets track what you already spent. Envelope budgeting is different - you decide WHERE to spend BEFORE you spend it. This simple shift transforms how you think about money. Millions of people have used envelope budgeting to: - Pay off debt faster - Stop living paycheck to paycheck - Build emergency savings - Save for big purchases without stress - Finally feel in control of their finances GET STARTED TODAY Download Fundwise and start your free trial. In just a few minutes, you will have a budget that actually works. Questions or feedback? We would love to hear from you at support@paragbafna.dev Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Monthly | $0.99 | per month | | Yearly | $9.99 | per year | ## Version history (last 5 releases) ### 1.2.1 — 2026-04-11 We've polished a few things to make Fundwise feel even better: Transfer transactions now show a helpful message when tapped, so it's clear they can't be edited directly Budget screen correctly shows an "All Categories Hidden" message instead of the empty state when you've hidden all your groups Reports now have a consistent look when there's no data to display Dark mode badges are now more legible with improved contrast Buttons have a more responsive press feel throughout the app ### 1.2.0 — 2026-03-13 - Spending report now shows budget vs actual with progress bars for each category - Improved CSV import — now handles bank files exported in European and Indian encodings - Bug fixes and performance improvements ### 1.1.0 — 2026-03-12 Split Transactions Split a single purchase across multiple budget categories. Add a grocery run that also covered household supplies and dining — each category gets its own amount. A balance indicator keeps totals honest before you save. Age of Money New report in the Reports tab. See how long your money sits before you spend it — a classic YNAB metric. Color-coded (green = 30+ days), with a 6-month history chart and personalised tips. Bulk Actions Tap Select in Transactions to multi-select. Categorize, clear, flag, or delete dozens of transactions in one go. Perfect for import clean-up. Transactions Tab A dedicated tab now shows all transactions across every account, with filter chips (All · Expenses · Income · Transfers · Uncategorized) and an account filter bar. The tab badge shows how many transactions still need a category. Pay Credit Card One-tap payment flow directly from your credit card account. Automatically moves money from your checking account and keeps your budget envelope in sync. Edit Transactions Tap any transaction to edit the amount, payee, category, date, memo, or account — including converting a regular transaction to a split. Category Notes Add free-text notes to any budget category — useful for tracking saving goals, purchase plans, or reminders. Payee Management New page in Settings → Data → Manage Payees. See usage counts, rename payees, and update default categories. Copy Last Month (one tap) Tap ··· in the Budget tab and choose Copy Last Month to instantly mirror last month's budgeted amounts across all categories. Bug Fixes & Polish Budget carryover now processes correctly when navigating between months Account balance and cleared balance stay accurate across all edit/delete flows Split transactions show a badge in both Transactions and Account Detail views Budget screen now shows a helpful empty state for new users ### 1.0.1 — 2026-01-07 - Fixed a crash that could occur when switching apps immediately after launch - Improved app startup reliability on slower network connections - Added visual feedback during initial data loading - Better handling of first-time iCloud sync setup Thank you for using Fundwise! ### 1.0 — 2025-12-27 No release notes. ## More apps by Parag Bafna - [Futoshiki Brain Puzzles](https://appshunter.io/ios/app/futoshiki-brain-puzzles/id6748694315) - [Minesweeper Brain Puzzles](https://appshunter.io/ios/app/minesweeper-brain-puzzles/id6748701958) - [Habit Tracker - Stepwise](https://appshunter.io/ios/app/habit-tracker-stepwise/id6752215442) - [Loud Alarm & Missions - Wake](https://appshunter.io/ios/app/loud-alarm-and-missions-wake/id6766859297) - [DeskMove: Break Timer & Streak](https://appshunter.io/ios/app/deskmove-break-timer-and-streak/id6768591036) All apps by Parag Bafna: https://appshunter.io/developer/1827018897 ## Related topics [parag bafna](https://appshunter.io/ios/topics/parag-bafna) --- *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 2026-06-15.*