Pefis vs Pouch

Personal finances control, keep track of all your income and expenses, loans, money in your bank and your wallet.

Pouch is envelope budgeting the way cash used to work — minus the cash. On payday, you stuff your envelopes: groceries, rent, fun money. Spend from an envelope and watch it drain. When it's empty, it's empty — that's the whole system, and it works. ONE NUMBER THAT MATTERS Safe to Spend sits at the top of your shelf: what's actually left until your next paycheck, after bills. No charts to decode. STUFFING DAY The payday ritual. Your paycheck lands, your plan is ready, and stuffing your envelopes takes fifteen satisfying seconds. LOG A PURCHASE IN THREE TAPS Open, type, tap the envelope. Done. Even faster from the widget. SINKING FUNDS Save a little every paycheck toward the big stuff — holidays, tyres, Christmas. Pouch tells you if you're on track, honestly. BILLS THAT HANDLE THEMSELVES A month-at-a-glance calendar, reminders, optional auto-deduct, and one-tap mark-paid with undo. BUDGET TOGETHER One joint pouch you both stuff, on two phones. Your own budget stays yours — the joint pouch is the only thing you share. Your partner joins free. PRIVATE BY DESIGN No accounts. No bank logins. No analytics. Your budget lives on your iPhone and, with Premium sync, in your own private iCloud. We run no servers and could not see your numbers if we wanted to. FREE, FAIRLY The free tier is genuinely usable: 6 envelopes, a sinking fund, a widget, 12 months of history — forever. Pouch Premium adds unlimited envelopes and funds, iCloud sync, the joint pouch, bigger widgets and your whole history, for about the price of one coffee a year. Lifetime available. Budget like cash. Keep the phone. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/