Incomes vs Bindful

Incomes is a budget planner that helps you look ahead at your balance and decide your budget. Enter your planned income and outgo to see how your balance is expected to change. Plan around monthly payments and larger purchases before they arrive. LOOK AHEAD AT YOUR BALANCE Explore the balance chart based on the income and outgo you enter. Consider your plans for this month and beyond. PLAN RECURRING PAYMENTS Set up recurring income and payments alongside individual items to see what is coming. UNDERSTAND WHAT CHANGES YOUR BALANCE Use monthly and yearly views, categories, and search to find the items behind a change. Update your plan as your schedule changes. ON-DEVICE MONTHLY SUMMARIES Generate a short summary of a month’s income and outgo, with comparisons to the previous month. Generated text never changes your saved records. Monthly summaries require iOS 26 or later, a compatible device, and Apple Intelligence enabled and ready in a supported language. Check generated text against your records. ORGANIZE SEPARATE PLANS With the Monthly Plan, create multiple ledgers with separate items and balances. Plan different purposes side by side. KEEP YOUR RECORDS PORTABLE Export records to an Incomes file. Before importing, review the changes and choose how to apply them. CHECK YOUR PLANS WHEN YOU NEED THEM Use widgets and Apple Watch to check your balance and upcoming payments. Projections are based on the income and outgo you enter. Keep your plans up to date as new items and changes arise. The Monthly Plan includes multiple ledgers, iCloud sync, and removal of ads. Additional ledgers remain available to view and export after the plan expires; editing them requires an active plan. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Your cash stuffing binder, minus the ATM runs. Bindful turns the envelope method you've seen all over your For You page into a pastel binder that lives on your phone. Stuff your envelopes every payday, watch your sinking funds fill up, and keep every dollar where you can see it — no cash to carry, no bank account to connect. THE BINDER A grid of soft, pastel envelopes behind real binder rings. Your total sits at the top; every envelope shows what's left inside. It's the part of budgeting that's actually nice to look at — and it's built to be screenshot-worthy. PAYDAY IS THE BEST PART Start a stuffing session, enter what came in, and tap your money into each envelope. Every stuff lands with a satisfying haptic tick. Close the binder, see what you put away, and get on with your day. The session itself is always ad-free — the ritual is sacred. SINKING FUNDS FOR THE BIG STUFF Christmas, car repairs, the trip you keep talking about. Give a fund a goal and a date, and Bindful tells you the pace — about how much to stuff each week, fortnight, or month to get there. SAVINGS CHALLENGES Start the 100 Envelope Challenge ($5,050), the 52-Week Challenge ($1,378), or the 26-Week Step-Up right inside your binder. Tick off steps on the challenge grid and share the card when you finish. FREE MEANS FREE Unlimited envelopes. Unlimited sinking funds. No subscription, no envelope cap, no paywall on the method. Unlock extra premium envelope covers whenever you feel like a new look. YOURS ALONE No bank linking. No account. No sign-up. Everything stays on your phone, works offline, and can be exported — or erased — with a tap. You chose manual budgeting on purpose; Bindful is the app that agrees with you. NO GUILT, EVER Overspent? Move cash between envelopes and carry on. No red warnings, no streak shaming, no lectures. A clean history ledger with one-tap undo and a month recap shows what you stuffed, spent, and saved. Make your first envelope, stuff it on payday, and feel your money again.