SpendLens: Budget Envelopes

SpendLens is old-school envelope budgeting on your iPhone. Fully private, no bank linking, no account. Put a monthly amount in each envelope. Spend from the right one. When an envelope runs low, that is your signal. SpendLens does the arithmetic paper envelopes never could: refills, carryover, and recurring bills, computed for you. WHAT SHIPS IN THE BOX - Envelopes with monthly refill: every envelope returns to its budget on the 1st - Carryover rules per envelope: keep the remainder, reset to budget, or cap what carries over (overspend carries too, so the math stays honest) - 3-second expense entry: cash-register keypad, envelope chips, save - Recurring bills: rent, transit pass, subscriptions post themselves to the right envelope on their day, every month - Spending insights: by-envelope charts, 6-month trends, top expenses - Export: a spreadsheet-ready CSV of all transactions and a monthly summary PDF - Private by design: everything stays on your iPhone. No account, no cloud, no tracking, and the privacy label is "Data Not Collected" FREE VS PRO Free: 5 envelopes, 2 recurring bills, unlimited expense entry, monthly refill and carryover included. Pro: unlimited envelopes and recurring bills, carryover rule changes (keep, reset, cap), spending insights and charts, CSV and PDF export. SPENDLENS PRO PRICING Pro is available as an auto-renewing subscription at $3.99 USD per month or $24.99 USD per year, or as a one-time lifetime purchase of $59.99 USD. Prices may vary by region. Pro subscriptions renew automatically until cancelled. Payment is charged to your Apple Account at confirmation of purchase. Cancel anytime in Settings > Apple Account > Subscriptions; cancellation applies at the end of the current period. Terms: Apple Standard EULA https://www.apple.com/legal/internet-services/itunes/dev/stdeula/