# Stow: Envelope Budget Tracker — Paycheck Planner, Cash & Bills

> Privacy-first envelope budgeting app for iPhone, tracking spending offline. (iPhone/iPad app by Max Koumarelas.)

- Source: https://appshunter.io/ios/app/stow-envelope-budget-tracker/id6762239901 (this page in markdown: same URL + `.md`)
- Developer: [Max Koumarelas](https://appshunter.io/developer/1893513228)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 13 MB
- Released: 2026-04-21
- Data updated: 2026-09-03
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/stow-envelope-budget-tracker/id6762239901/reviews.md

## What is Stow?

Take control of every dollar — before it disappears.

Stow is a privacy-first envelope budgeting app for iPhone. Divide your paycheck into envelopes, log spending in seconds, and always know exactly what's left.

No bank connections. No account to create. No ads. No tracking. Your budget lives on your iPhone, where it belongs.


WHY ENVELOPE BUDGETING WORKS

The envelope method is nearly a century old, and it still works because it's simple: you decide what each dollar is for, and you stop when the envelope is empty. Groceries, rent, coffee, savings — whatever matters to you. Stow takes that system and makes it fit the way you actually live: in your pocket, at the register, five seconds at a time.


WHAT YOU CAN DO ON THE FREE TIER

- Create up to 5 envelopes with custom icons and colors
- Log unlimited transactions, in seconds, with a large number pad
- Choose a monthly budget period that matches how you get paid
- Automatic period rollover so you start fresh every month
- Full spending history for your current and previous period
- Multi-currency support — auto-detected from your region
- Dark mode, Dynamic Type, and full VoiceOver support
- Works 100% offline — no internet required, ever


STOW PREMIUM (optional)

Upgrade when you're ready for more power:

- Unlimited envelopes
- Weekly and biweekly budget periods for paycheck-to-paycheck budgeting
- Full transaction history across every past period
- Spending reports, trends, and charts
- CSV and PDF export for spreadsheets or tax season
- Additional budget templates to jumpstart setup
- Custom themes and icon packs

BUILT FOR REAL PEOPLE, REAL MONEY

Whether you're living paycheck to paycheck, saving for a house, paying down a credit card, or just tired of hitting Friday and wondering where it all went — Stow is the shortest path to a working budget.

Log your morning coffee in two taps. See your grocery budget at a glance. Know before you swipe.


PRIVACY IS NOT A FEATURE — IT'S THE FOUNDATION

Most budgeting apps monetize your financial data, sell it to aggregators, or use it to train ads. Stow can't, because your data never leaves your device. There is no server. There is no analytics pipeline. We never see a cent of your spending — and we never will.

The only thing that touches our systems is your App Store purchase, handled through Apple's payment infrastructure and our subscription provider (RevenueCat). Budget data stays on-device.


ACCESSIBILITY

Stow is designed from the ground up for everyone. Every screen supports VoiceOver, scales with Dynamic Type, works in light and dark mode, and meets WCAG AA contrast. Color is never the only way something is communicated.


QUESTIONS OR FEEDBACK?

Email stow.contactus@gmail.com — a real human reads every message.

Privacy policy: https://maxk-37.github.io/stow-legal/#privacy 
Terms of service: https://maxk-37.github.io/stow-legal/#terms

Stow is an independent app, built by a small team who believe personal finance software shouldn't require handing over your bank login.

## Key features

- Envelope budgeting
- Offline operation
- Privacy-focused
- Quick transaction logging
- Customizable envelopes
- Multi-currency support

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Stow Premium — Annual | $39.99 | per year |
| Stow Premium — Monthly | $4.99 | per month |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Stow Premium — Lifetime | $59.99 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/stow-envelope-budget-tracker/id6762239901/reviews.md

### 5/5 — Amazing for budgeting

*2026-05-28*

This has been a game changer for me, I’ve been able to keep track with my spending and save money for a rainy day

## Frequently asked questions about Stow

### What is Stow?

Stow is a privacy-first envelope budgeting app for iPhone. It helps you manage your money by dividing your paycheck into virtual envelopes and tracking your spending in real-time, all while operating 100% offline.

### How does Stow's envelope budgeting work?

You create virtual envelopes for different spending categories like groceries or rent. As you spend, you log transactions, and Stow shows you how much is left in each envelope, preventing overspending.

### Is Stow free to use?

Stow offers a free tier that allows you to create up to 5 envelopes and log unlimited transactions. For unlimited envelopes, advanced features like reports, and export options, a premium subscription is available.

### Does Stow connect to my bank account?

No, Stow does not connect to any bank accounts. It is designed to be a privacy-first app, meaning your financial data stays on your device and is never shared or tracked.

### What are the premium subscription options for Stow?

Stow Premium offers monthly ($4.99) and annual ($39.99) subscription plans. The annual plan includes a 7-day free trial.

### Can I export my data from Stow?

Yes, CSV and PDF export for spreadsheets or tax season is available with Stow Premium. This allows you to analyze your spending trends and history in more detail.

### Does Stow have ads?

No, Stow is ad-free. The app emphasizes privacy and does not use advertisements to monetize its services.

### What devices is Stow available on?

Stow is currently available for iPhone. It supports features like Dark Mode, Dynamic Type, and VoiceOver for enhanced accessibility.

## Version history (last 2 releases)

### 1.0.1 — 2026-04-24

Performance improvements and minor fixes

### 1.0 — 2026-04-21

No release notes.

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## Related topics

[every dollar budget app](https://appshunter.io/ios/topics/every-dollar-budget-app) · [budgetbuddybymonth](https://appshunter.io/ios/topics/budgetbuddybymonth) · [stow](https://appshunter.io/ios/topics/stow) · [apps with budget planning features](https://appshunter.io/ios/topics/apps-with-budget-planning-features)

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*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 2026-09-03.*