# Vivaria Money & Budget Planner — Daily Debt Payoff Planner App

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

- Source: https://appshunter.io/ios/app/vivaria-money-and-budget-planner/id6503314553 (this page in markdown: same URL + `.md`)
- Developer: [Sho Biz LLC](https://appshunter.io/developer/1667816508)
- Category: Finance, Business
- Price: Free with in-app purchases
- Rating: 5.00/5 from 2 App Store ratings · 2 written reviews indexed
- Age rating: 17+
- Requires: iOS 16.4 · 67 MB
- Languages: American English
- Released: 2024-06-22
- Data updated: 2026-08-22
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/vivaria-money-and-budget-planner/id6503314553/reviews.md

## What is Vivaria Money & Budget Planner?

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 finances 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 percentage 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.

Outstanding features:
• 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 Payoff Planning 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 a 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 due before your next paycheck are covered, and what percentage of your monthly bills are fully funded
• Manually track your expenses from your bank or credit card
• Mark bills as paid using a bank account or a credit card
• Link your bank accounts, checking and savings, as well as credit cards, to easily track transactions into your budget

Subscription Information:
• All features require an active subscription
• A 7-day free trial is available for new subscribers
• Payment will be charged to your Apple ID account upon confirmation of purchase
• Subscription automatically renews unless canceled at least 24 hours before the end of the current period
• Your account will be charged for renewal within 24 hours prior to the end of the current period
• Manage or cancel your subscription anytime in your App Store account settings
• Any unused portion of a free trial will be forfeited upon purchasing a subscription

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

## Key features

- Debt Payoff Planning Center
- Unlimited Envelopes/Honeypots Budgeting
- Break Paycheck to Paycheck Cycle
- Bill Management and Reminders
- Secure and Private Financial Data
- User-Friendly Interface
- Progress Visualization

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

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


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/vivaria-money-and-budget-planner/id6503314553/reviews.md

### 5/5 — User Friendly Budgeting App

*2024-07-20*

In my quest to find the perfect budgeting app, I stumbled upon Vivaria and I must say, it has exceeded my expectations. 

The user interface is intuitive. Navigating through income, expenses, and savings goals is seamless. I love the Honey Pots (ie envelopes) to keep my expenses and bills organized.  The dashboard layout provides a clear overview of my financial health at a glance, which has been instrumental in helping me stay on top of my finances. Moreover, the goal tracking feature is a game-changer. It allows me to set achievable milestones and visually track my saving goals progress . It's incredibly motivating to see my savings grow and my debit being reduced steadily over time.

One of the standout features for me is the ability to synchronize my bank account. This feature not only saves time but also ensures that my financial data remains up-to- date. Its worth the extra fee to turn this feature on.

### 5/5 — Budgeting for us poor people

*2024-07-18*

This app is so great! It is helping me manage my spending on a daily and weekly basis. A lot of apps just look backwards and tell you how you screwed up. This one actually helps me stay on track as I go. Plus they respond through the website if you have any questions about how it works. Get this one!

## Frequently asked questions about Vivaria Money & Budget Planner

### What is Vivaria Money & Budget Planner?

Vivaria Money & Budget Planner is a personal finance application designed to help users manage their expenses, plan debt payoff strategies, and break free from living paycheck to paycheck. It offers features like unlimited budgeting categories and bill reminders.

### How does Vivaria Money & Budget Planner help with debt?

The app features a robust Debt Payoff Planning Center where you can customize payoff strategies, track your progress, and see how adjusting minimum payments affects interest paid and the number of payments. This helps you visualize your path to becoming debt-free.

### Can I create custom spending categories in Vivaria Money & Budget Planner?

Yes, Vivaria Money & Budget Planner allows for unlimited Envelopes or Honeypots, which are custom categories for your expenses. This flexibility lets you allocate funds precisely where you need them and track spending across various bills or spending habits.

### What are the subscription options for Vivaria Money & Budget Planner?

Vivaria Money & Budget Planner offers several subscription plans, including a Basic plan at $1.99/month with a 1-month free trial, and a Premium Subscription at $4.99/month with a 7-day free trial. Annual options are also available for both tiers.

### Is Vivaria Money & Budget Planner secure?

Yes, the app emphasizes security, employing state-of-the-art measures to safeguard your sensitive financial data. Your financial journey is intended to be private and protected.

### What devices does Vivaria Money & Budget Planner support?

Vivaria Money & Budget Planner is currently supported on iPhone and iPod devices. It is designed for users who need to manage their finances on the go.

### Does Vivaria Money & Budget Planner have ads?

Yes, Vivaria Money & Budget Planner contains advertisements. While it offers free core features and in-app purchases, users should expect to see advertisements within the application.

### How often is Vivaria Money & Budget Planner updated?

The latest version of Vivaria Money & Budget Planner is 1.5.4, and it was last updated on September 12, 2025. This indicates a recent update, suggesting ongoing development and support for the application.

## Version history (last 5 releases)

### 2.0.6 — 2026-08-15

Getting started and signing in just got a whole lot faster.

NEW
• Face ID & Touch ID — sign in without typing your password, and let Vivaria Budget lock itself when you step away. Turn it on right after login, or anytime from Profile.
• Sign in with Apple — create your account and get going in seconds. No passwords, no extra steps.
• Faster setup — onboarding now takes fewer steps, so you spend less time configuring and more time on your finances.
• Smart notifications — get reminded before expense due dates and alerted when your income is recorded.

IMPROVED
• Subscription clarity — see exactly when your free trial ends and what you'll pay afterward.
• Transaction history scrolls faster and more smoothly.
• Swipe-to-delete animates as you drag, so you can see what's about to happen before you let go.

FIXED
• Deleting a transaction is now more reliable — no more accidental double-deletes from a quick double tap.
• Apple sign-in users now see the right prompt when setting a password for the first time.
• Plus stability fixes and interface polish throughout.

### 1.5.4 — 2025-09-12

We’ve made some improvements and squashed a few bugs! Thanks for using our app!

### 1.5.3 — 2025-09-07

We’ve made some improvements and squashed a few bugs! Thanks for using our app!

### 1.5.0 — 2025-02-04

1. Transitioned the subscription system to a freemium model.

2. The new users and existing users with basic subscription will have a 30 days trial period the next time they use their app, obtaining access to all premium features like bank account linking. After the free trial moth the user will be requested to purchase a premium subscription.

3. The ads has been removed from the app.

4. The basic subscription has been removed.

5. Implemented in-app store rating.

### 1.4.16 — 2024-08-18

This release contains bug fixes and improvements.

## More apps by Sho Biz LLC

- [Vivaria Budget Envelope System](https://appshunter.io/ios/app/vivaria-budget-envelope-system/id1667816506)

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 2026-08-22.*