# ZappExpense: Envelope Budget — Expense Tracker & Planner > Expense Tracker & Planner (iPhone/iPad app by getcode.pt.) - Source: https://appshunter.io/ios/app/zappexpense-envelope-budget/id6754829013 (this page in markdown: same URL + `.md`) - Developer: [getcode.pt](https://appshunter.io/developer/1330213330) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 16.0 · 47 MB - Languages: American English - Released: 2025-12-10 - Data updated: 2026-07-17 - User reviews in markdown: https://appshunter.io/ios/app/zappexpense-envelope-budget/id6754829013/reviews.md ## What is ZappExpense? ZappExpense is the envelope budgeting app that makes managing money simple, visual, and completely private. No account. No ads. Works 100% offline. Split your income into envelopes — groceries, rent, savings, fun — and always know exactly what's safe to spend. It's the time-tested method that finally makes budgeting click. BUDGET BY ENVELOPE • Create envelopes for spending, bills, savings goals, and sinking funds • Choose daily, weekly, monthly, or yearly budgets • Balances update the instant you spend • Roll unused money forward or start each period fresh • Move money between envelopes in a tap TRACK EVERY TRANSACTION • Log expenses in seconds • Record income and split it across envelopes • Mark recurring bills so they post automatically when due — never miss one • Full, searchable transaction history SEE WHERE YOUR MONEY GOES • Clear charts and category breakdowns • Spot trends and spending patterns over time • Decisions based on real numbers, not guesswork BUILD BETTER HABITS • Get a Financial Wellness Score that reflects your real habits • Earn achievements and keep your streak alive • Budgeting that's genuinely satisfying to use PRIVATE BY DESIGN • Works fully offline — no sign-up, no cloud • Lock the app with Face ID • Export to CSV or JSON anytime; delete everything in one tap • We never sell your data BEAUTIFUL & EASY • Clean, modern design with light and dark modes • Warm, friendly colors — built for real people, not accountants PERFECT FOR • Anyone tired of wondering where their money went • Families running a household budget • Savers working toward a specific goal • Breaking the paycheck-to-paycheck cycle Your money, your rules. Download ZappExpense and start budgeting with confidence. Privacy Policy: https://zappexpense.com/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Premium | $8.99 | per month | ## Version history (last 5 releases) ### 1.5.0 — 2026-07-11 NEW - Home and lock screen widgets: Safe to Spend at a glance, plus a configurable single-envelope widget - Siri: "Log Expense" shortcut drops you straight into a prefilled entry - Automatic private backup to your own iCloud Drive, with restore offered on the welcome screen - Payment reminders: get notified the evening before and the morning a recurring payment is due - Loan payments, your way: set the exact payment amount and day of the month on any loan envelope. Existing loan envelopes repair their schedule automatically - Pause envelopes: freeze an envelope so nothing spends from it or automates against it until you resume - Savings goals celebrate: hitting a target now triggers a celebration and unlocks achievements - Goal pacing: goals with a date show exactly how much per month keeps you on track - Allocation templates can now be applied: save your payday split once, reuse it every month - Edit or delete income records: mis-entered paychecks are finally fixable, with balances adjusting honestly - Direct-spending toggle for savings envelopes, and a one-tap Withdraw via Transfer button FIXED AND HARDENED - Buffer covers are visible now: when your buffer absorbs an overspend, the app says so, and transaction details name the buffer and amount - Auto-refill can no longer pull an envelope below zero or drain paused envelopes - Deleting an envelope no longer misreports previously allocated income as available - Archiving an envelope with money in it now warns you and offers to move the funds first - Recurring expenses can no longer be pointed at envelopes they can't spend from - Many smaller correctness fixes across envelopes, transfers, and income allocation As always: no account, no ads, no subscription, and everything stays on your iPhone. ### 1.3.1 — 2026-06-10 This update makes ZappExpense faster and more reliable, with a tidy new way to manage recurring charges. - New: Clean Up Auto-Charges. Review the charges your recurring rules created, grouped by rule and envelope, and remove them in batches with the money refunded to the right envelope. - Fixed: deleting an expense that your Buffer had partly covered now settles correctly. - Fixed: transactions delete reliably and the list updates right away. - Faster: smoother performance with hundreds of transactions. ### 1.3.0 — 2026-06-08 New this version: Insights & Spending Goals • Insights tab — see exactly where your money goes. Spend by merchant (search any store, like "how much did I spend at McDonald's?"), budget vs. actual for every envelope, and spending trends over time. • 50/30/20 Balance — instantly see how your income splits across Needs, Wants, and Savings against the classic 50/30/20 rule. • Spending goals — set a cut-goal like "keep dining under $150 this month," track your progress, and earn a Goal Crusher badge when you nail it. • Overspending, your way — choose to let envelopes go into the red instead of blocking you, with a friendly nudge to cover it. • A fairer financial wellness score that bounces back as soon as you're back on track. • A more polished, faster interface throughout. Everything stays private and on your device — no account, no cloud, no tracking. ### 1.2.3 — 2026-06-05 This update focuses on reliability and polish: • Recurring expenses are smarter — bills and subscriptions post on exactly the right date • More accurate budgeting — envelope balances, rollovers, and transfers all behave as expected • A refreshed, easier-to-navigate interface with smoother menus • Cleaner Settings, plus more dependable backup and CSV/JSON export • Bug fixes and performance improvements throughout Thanks for budgeting with ZappExpense — we'd love your feedback! ### 1.2.1 — 2026-03-12 - Update to envelope logic - Added gamification - Added feature to share transactions ## Apps similar to ZappExpense | App | Rating | Price | Category | | --- | --- | --- | --- | | [Expense Manager & Budget App](https://appshunter.io/ios/app/expense-manager-and-budget-app/id6739586692) | — | Free | Finance | | [Finansense: Money Tracker](https://appshunter.io/ios/app/finansense-money-tracker/id6744434915) | — | Free | Finance | | [Budget Envelopes](https://appshunter.io/ios/app/budget-envelopes/id1052741851) | 5.0 (2) | Free | Finance | | [ExpenseJar: Track & Budget](https://appshunter.io/ios/app/expensejar-track-and-budget/id6739467259) | 5.0 (1) | Free | Finance | | [Envelope Budget App: Wallyo](https://appshunter.io/ios/app/envelope-budget-app-wallyo/id6755391865) | — | Free | Finance | | [Finisive - Simple Daily Budget](https://appshunter.io/ios/app/finisive-simple-daily-budget/id6756516200) | — | Free | Finance | --- *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 2026-07-17.*