# Envelope Budget Planner: Bow — Plan Paychecks, Bills & Cards > Plan Paychecks, Bills & Cards (iPhone/iPad app by Daniel Baeza.) - Source: https://appshunter.io/ios/app/envelope-budget-planner-bow/id6755204642 (this page in markdown: same URL + `.md`) - Developer: [Daniel Baeza](https://appshunter.io/developer/1852587451) - Category: Finance - Price: Free with in-app purchases - Rating: 5.00/5 from 2 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 27.0 · 27 MB - Languages: American English - Released: 2025-11-17 - Data updated: 2026-11-13 - User reviews in markdown: https://appshunter.io/ios/app/envelope-budget-planner-bow/id6755204642/reviews.md ## What is Envelope Budget Planner? Bow is an envelope budgeting app that helps you aim every dollar before you spend it. Plan your spending, stay ready for every bill, get ahead on credit cards and always know what you can safely spend. Your budget stays private, on your iPhone and in your own iCloud. HOW BOW WORKS 1. Add your checking, savings and credit card accounts. 2. Your money lands in Ready to Assign. 3. Assign it to envelopes for bills, groceries, savings goals and fun. 4. Spend from your envelopes, and watch each one count down. 5. Overspent? Cover it from another envelope in a tap. Zero-based budgeting isn't about spending everything. It's about deciding what every dollar is for, so nothing surprises you. ENVELOPES AND TARGETS • Set a target for any envelope: a monthly amount, a bill due on a date, or a savings goal by a deadline. • Bow shows how much to set aside this month to stay on track. • Snooze a target for a month when plans change. • Group envelopes your way and save custom budget views. • Changed your mind? Undo a money move or an edit. BILLS AND PAYCHECKS • Schedule rent, subscriptions, paychecks and every-other-week bills once. • See what's due next, and get a reminder before it's due. • Bills you schedule can fill in their envelope targets for you. • Share a payment plan screenshot and Bow schedules each payment, ending after the last one. • See what your subscriptions and other recurring charges cost a month and a year. CREDIT CARDS, MADE SIMPLE • When you spend on a card, Bow sets that amount aside in the card's payment envelope in your budget, automatically. • You'll always know you've budgeted enough for the bill. • Paying down debt? Set a payoff goal and track your progress. BANK SYNC, OPTIONAL • Connect a US or Canadian bank with SimpleFIN to bring in transactions for review. A SimpleFIN Bridge account is required. • No bank sync? Import a CSV, OFX or QFX file from your bank's website, and Bow matches what you've already entered. • Or log purchases by hand. Bow can also add purchases from your bank's notifications using Shortcuts. • Reconcile accounts to make sure Bow matches your bank. FASTER ENTRY • Scan a receipt, or share a screenshot of a purchase to Bow. • Speak or type a purchase in your own words, and Bow fills in the details. • Ask Siri to log a transaction or check an envelope. • Ask Bow questions like "How much did I spend on dining out this month?" Receipt scanning, speaking or describing a purchase and asking questions use Apple Intelligence on supported iPhones. SPENDING INSIGHTS • See spending by envelope, month by month. • Track income against spending and search every transaction. • Keep Ready to Assign, an envelope or what's due next on your Home Screen and Lock Screen with widgets. PRIVATE BY DESIGN • No Bow account to create. Your budget syncs between your devices through your own iCloud. • Your data is never sold or shared for advertising. • Export a backup anytime. MOVING FROM YNAB? Import your YNAB budget, with your accounts, envelopes and history, and pick up right where you left off. TRY BOW FREE FOR 2 WEEKS Start Bow Annual or Bow Monthly with a 2-week free trial, or buy Bow Lifetime once. Bow reminds you before your trial ends. Without a subscription or Lifetime, your budget stays readable but can't be changed. Payment is charged to your Apple Account when you confirm a purchase, or when a free trial ends. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple Account settings. Terms of Use: https://bowbudget.com/terms Privacy Policy: https://bowbudget.com/privacy ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Bow Monthly | $6.99 | per month | | Bow Annual | $49.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Bow Lifetime | $69.00 | one-time | ## Is Envelope Budget Planner safe? Not enough ratings yet to assess Envelope Budget Planner. ## Is Envelope Budget Planner legit? Envelope Budget Planner: Bow has limited verification signals. The AppsHunter Legitimacy Score for Envelope Budget Planner is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/envelope-budget-planner-bow/id6755204642/reviews.md ### 5/5 — Comprehensive yet simple *2026-11-10* This app is the digital version of the analog envelope method of budgeting, but with SO many features that make it easy to track your spending and plan for the future. That being said, having been a YNAB user in the past, it is thankfully not bloated with too many bells and whistles that clutter up the interface. It’s clean and sleek but powerful. I especially like how easy it is to see how far into the future my money will extend so that I know how much of a safety net I have if I lose income. ## Version history (last 5 releases) ### 2.5 — 2026-11-09 • Import Bank File: bring in a CSV, OFX or QFX file from your bank's website. Bow remembers the columns and skips transactions it already has • Undo and Redo in Budget's ⋯ menu now cover edits and deletes too, like a changed or deleted transaction, Skip and Match • Automatic backups: Bow saves a backup every day and keeps the last 14 in the Files app, and saves one before you restore or start over • Split Into Payments turns a purchase into a payment plan, by each payment's amount or by how many payments • Payment plans written out in words, like "on the 6th of each month", are read too • Change one upcoming date of a scheduled transaction without changing the others • Reduce Overfunding, Reset Available Amounts and Reset Assigned Amounts show what will move, envelope by envelope, before anything moves • Reduce Overfunding counts money left from earlier months, and never takes what scheduled payments need • Opening Bow from a notification, widget or Siri asks before discarding changes you haven't saved • Faster bank sync and Import Bank File, and much faster YNAB imports • A device that's behind iCloud waits for your latest budget before changing anything • Saving a split and adding an envelope from the envelope picker no longer crash, plus many more fixes ### 2.3 — 2026-11-02 • Widgets for your Home Screen and Lock Screen: Ready to Assign, any envelope, and what's scheduled next • Undo and Redo for money moves in Budget's ⋯ menu, and Undo after you edit or approve a transaction • Recent Moves lists every assignment and move across your budget, newest first • Scheduled Transactions has a Recurring filter that shows what your subscriptions cost a month and a year, and finished payment plans move to their own section • When you're over budget, the Ready to Assign bar turns red and Move Money shows what to cover • Budget's month summary shows how much is set aside for credit card payments • Needs Review in Spending lists what's waiting for you. Swipe to approve, with Undo • Hide a whole group, and bring it back from Hidden Envelopes • Bank notifications pick the right account by the card's last four digits, and Bank Sync shows any problem with how to fix it • Faster setup if you already budget with envelopes • Clearer messages and many fixes ### 2.2 — 2026-10-29 • Recently Deleted, in Settings, keeps what you delete for 30 days: transactions, bills, envelopes, accounts and more. Restore them on any of your devices • Hide Verified in Spending keeps the transactions you've already checked out of the way • Shared to Bow can link a shared item to a transaction already in Spending, so it isn't added twice • A transaction dated Oct 1 shows on Oct 1 on every device, in any time zone • Budget tells you when changes on this iPhone haven't reached iCloud yet • If two budgets meet in iCloud, you choose which one to keep • Card payments on their way count toward the card's balance, and bank sync matches pending charges more reliably • Scheduled Transactions has filters and search at the top, and Manage Payees lists every payee A–Z • Faster launch, smoother scrolling and many fixes ### 2.1 — 2026-10-20 • Bow is ready for iPhone Duo! Open it up and your envelopes and accounts spread out beside their details on the big inner display, with your tabs along the side. Close it and carry on right where you left off. • Share a payment plan screenshot from Klarna, Affirm or Afterpay, and Bow schedules each payment for you, ending after the last one • Scheduled transactions can end after a set number of payments or on a date, and each payment can have its own amount • Paid off a plan early? Record the payoff in one step and the rest of the plan is marked done • See at a glance whether an envelope has enough set aside for a schedule's next payment • Insights breaks down your spending by envelope or by group • Find help in Bow Docs, now linked from Settings ### 2.0 — 2026-10-17 • Envelopes with targets for bills, monthly spending and savings goals • Scheduled bills and paychecks, with reminders before they're due • Credit card payment envelopes that fill themselves as you spend • Optional bank sync with SimpleFIN, plus account reconciliation • Scan receipts, speak purchases and ask Bow questions with Apple Intelligence • Siri and Shortcuts, iCloud sync and YNAB import • Try every feature free for 2 weeks ## Apps similar to Envelope Budget Planner | App | Rating | Price | Category | | --- | --- | --- | --- | | [TheBudget - Envelope Budgeting](https://appshunter.io/ios/app/thebudget-envelope-budgeting/id6760942613) | — | Free | Finance | | [BudgetBox Envelopes](https://appshunter.io/ios/app/budgetbox-envelopes/id6771377892) | — | Free | Finance | | [Tarsave: Daily Expense Tracker](https://appshunter.io/ios/app/tarsave-daily-expense-tracker/id6785174085) | 5.0 (1) | Free | Finance | | [Tap to Tick](https://appshunter.io/ios/app/tap-to-tick/id6791948663) | 5.0 (4) | Free | Finance | | [Lifely: Envelope Budgeting](https://appshunter.io/ios/app/lifely-envelope-budgeting/id6767665663) | — | Free | Finance | | [Marble Budget: Expense Tracker](https://appshunter.io/ios/app/marble-budget-expense-tracker/id6770734341) | 5.0 (4) | Free | Finance | ## Related topics [kualia](https://appshunter.io/ios/topics/kualia) · [budget plan](https://appshunter.io/ios/topics/budget-plan) · [invitta financial goal planner](https://appshunter.io/ios/topics/invitta-financial-goal-planner) · [apps with budget planning features](https://appshunter.io/ios/topics/apps-with-budget-planning-features) · [plan and multiply](https://appshunter.io/ios/topics/plan-and-multiply) --- *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 2026-11-13.*