Personal Budgeter

Personal Budgeter is an envelope budget built around your paychecks. When a paycheck comes in, the app offers to move a share of it to savings. The rest fills your monthly categories, and whatever isn't assigned shows up as unallocated: money you can still spend. Logging a purchase is quick. Type the amount, pick a category, and you're done. What's in it: • Monthly categories with a plan for each and a bar showing what's left • An unallocated number that shows what's really free to spend • A buffer you keep aside that never counts as spending money • Repeating bills and subscriptions that charge themselves on their day • Loans and credit cards with interest, minimum payments and a payoff estimate • An optional giving percent, held back from each paycheck until you give it • A month-end report where you decide what carries over to next month • Trends comparing what you planned with what you spent • Siri: "Log a Groceries expense in Budgeter" Your budget stays on your phone. There's no account to create, no ads, and nothing is sent to me. You can export your whole budget as a file whenever you want.