# Vivaria Budget Envelope System — Daily Debt Payoff Planner

> Personal finance app for debt payoff, expense management, and budgeting. (iPhone/iPad app by Sho Biz LLC.)

- Source: https://appshunter.io/ios/app/vivaria-budget-envelope-system/id1667816506 (this page in markdown: same URL + `.md`)
- Developer: [Sho Biz LLC](https://appshunter.io/developer/1667816508)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 5.00/5 from 4 App Store ratings · 2 written reviews indexed
- Age rating: 17+
- Requires: iOS 12.4 · 54 MB
- Languages: American English
- Released: 2023-09-06
- Data updated: 2026-08-25
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/vivaria-budget-envelope-system/id1667816506/reviews.md

## What is Vivaria Budget Envelope System?

Are you tired of living paycheck to paycheck, feeling overwhelmed by mounting debts and struggling to manage your expenses? Look no further! Vivaria Budget is here to empower you to take control of your finances, achieve your financial goals, and experience true peace of mind.

Key Features:

1. Debt Payoff Planning Center Take control of your debts and pave your way to a debt-free future with our robust Debt Payoff Planning Center. Customize your payoff strategies, track progress, and witness your financial burdens disappear one by one.

2. Unlimited Envelopes or Honeypots Budgeting made flexible and fun! Unlike traditional apps that limit your budgeting categories, Vivaria Budget offers you unlimited Envelopes or Honeypots. Allocate your funds across various categories, effortlessly manage your expenses, and easily see where your money goes. 

3. Transform Paycheck to Paycheck Living Bid farewell to the stress of living paycheck to paycheck. Vivaria Budget offers a comprehensive solution to help you break free from the cycle. Through intelligent financial insights and budgeting tips, you'll gain a deeper understanding of your spending patterns and develop healthy financial habits.

4. Bill Management Made Easy Say goodbye to late fees and missed due dates. Vivaria Budget’s bill management feature keeps you organized and on top of your financial obligations. Receive timely reminders and take charge of your financial obligations like never before.

5. Secure and Private We understand that financial data is sensitive. Vivaria Budget employs state-of-the-art security measures to safeguard your information. Rest assured that your financial journey is for your eyes only.

Why Choose Vivaria Budget?
- User-Friendly Interface: With Vivaria Budget’s intuitive design, managing your finances becomes an enjoyable experience, even for first-time users.

- Tailored Guidance: Get tips and recommendations to optimize your budget, maximize savings, and fast-track your debt payoff.

- Visualize Your Progress: Watch your financial growth with progress bars and % graphs offering real-time updates on your financial milestones.

- Customer Support: Our customer support team is here to address any queries or concerns, ensuring you have a seamless Vivaria Budget experience.

What’s included in the free version:
- Create unlimited envelopes, or as we like to call them, honeypots, for each bill or category of expenses such as electricity bills or food spending

- Robust Debt Planning Payoff center where you can adjust your minimum payment to see how much interest you will pay over the life of your loan, how many payments you will make at that rate and track your progress towards getting out of debt

- Streamlined summary tab where you can see your income and expenses at glance and adjust your budget easily so that you are in control of where your money is going throughout the month

- See at a glance what percentage of your bills are covered that are due before your next paycheck is due to arrive and see what percentage of your monthly bills are covered

- Manually track your expenses from your bank or credit card

- Be able to mark bills paid using a bank account or a credit card

What’s included in the Premium version:
- All of the above 

- Link your bank account, checking and savings, as well as credit cards, to track transactions easily into the budget

- Ad free experience

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Debt Payoff Planning Center
- Unlimited Envelopes/Honeypots
- Break Paycheck to Paycheck Cycle
- Bill Management with Reminders
- User-Friendly Interface
- Progress Visualization

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Premium Subscription | $4.99 | per month |
| Basic | $1.99 | per month |
| Premium Yearly | $54.99 | per year |
| Basic Yearly | $21.99 | per year |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/vivaria-budget-envelope-system/id1667816506/reviews.md

### 5/5 — Great tool for money management

*2024-01-03*

Love this app! It’s really helped me with managing my money and is really great for anyone working to lower and eliminate their debt. It’s very seamless and easy to use as well. Highly recommend!!!

### 5/5 — Real Budgeting & Debt Reduction

*2023-09-08*

Love this budgeting app in the palm of my hand. Easy start up and interaction to keep me focused on the budget as well as reducing my family’s debt.  Highly recommend.

## Frequently asked questions about Vivaria Budget Envelope System

### What is Vivaria Budget's main purpose?

Vivaria Budget is designed to help users manage their expenses, plan debt payoff strategies, and break the cycle of living paycheck to paycheck. It offers tools for budgeting and tracking financial obligations.

### Does Vivaria Budget offer unlimited budgeting categories?

Yes, Vivaria Budget allows users to create unlimited envelopes, also referred to as honeypots, for various bills or expense categories. This provides flexibility in managing funds across different areas of spending.

### How does Vivaria Budget help with debt payoff?

The app features a robust Debt Payoff Planning Center where users can customize payoff strategies, track their progress, and see how much interest they will pay over the life of their loans. It helps visualize the journey to becoming debt-free.

### What are the subscription options for Vivaria Budget?

Vivaria Budget offers both monthly and yearly subscription plans. These include a Basic plan at $1.99/month or $21.99/year, and a Premium Subscription at $4.99/month or $54.99/year.

### Is Vivaria Budget secure for financial data?

Yes, Vivaria Budget employs state-of-the-art security measures to safeguard sensitive financial information. The app emphasizes that your financial journey is private and secure.

### What devices is Vivaria Budget available on?

Vivaria Budget is currently supported on iPhone and iPod devices. It is designed for users who prefer to manage their finances on Apple mobile devices.

### How often is Vivaria Budget updated?

The latest version of Vivaria Budget is 1.3.2, and it was last updated on February 27, 2024. This indicates regular maintenance and potential feature additions.

### What is the age rating for Vivaria Budget?

Vivaria Budget has an age rating of 17+. This suggests that the app's content and features are deemed appropriate for mature audiences, likely due to the complexity of financial management.

## Version history (last 5 of 5)

### 1.3.2 — 2024-02-27

Minor content related fixes

### 1.3.1 — 2024-01-04

- Minor fixes and updates

### 1.3 — 2023-11-03

- Minor fixes and updates

### 1.2 — 2023-10-04

Some of the text updated.

### 1.1 — 2023-09-22

- Fixes related to font scaling.

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## More apps by Sho Biz LLC

- [Vivaria Money & Budget Planner](https://appshunter.io/ios/app/vivaria-money-and-budget-planner/id6503314553)

All apps by Sho Biz LLC: https://appshunter.io/developer/1667816508

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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 2026-08-25.*