Palmo vs My Envelopes

Know what you can actually spend — before your next bill hits. Palmo shows your real spendable balance after upcoming bills are accounted for. Track income, expenses, and spending by pay period — All private stored on-device and synced through your own iCloud. No third-party servers. No tracking. No ads. What you can do: - Set up recurring bills and let Palmo apply them automatically - Track income and expenses by category - Review your spending breakdown by pay period Palmo Pro unlocks: - Unlimited bills - Spending limits with per-category tracking - Multi-period spending history and trends - Payday preview notifications Simple enough to open and use in seconds. Powerful enough to actually stay on top of your finances. Terms of Use: https://jlappllc.com/eula-moneyy

A simple budgeting system that works in real life. Know where your money is, where it goes, and what’s available to spend. My Envelopes helps you set clear spending limits, save toward your goals, and adjust your plan as life changes. Get started with a straightforward method: 1. Create envelopes for spending limits and savings goals. 2. Allocate your income to your envelopes. 3. Record your spending and assign each expense to an envelope. 4. Review your balances and adjust your plan as needed. Clear limits, visible progress, and more peace of mind. Start with a free plan Get started with up to 2 accounts and 8 envelopes, with data stored locally on your device. Upgrade when you need more, including cloud sync with Personal or shared workspaces with Team. Main features: - Spending envelopes for everyday limits and goal envelopes with savings targets. - Income allocation with a history of past allocations. - Transactions with notes, status, and quick edits. - Transfers between accounts and between envelopes. - Tools to identify spending that hasn’t been assigned to an envelope. - Bill reminders with recurring schedules and a calendar view. - An overview of spending, balances, and upcoming reminders. - Transaction search and filters. - Restore deleted transactions from Trash and review change history. - Local storage, cloud sync, and shared workspaces, depending on your plan. Subscriptions: - Payment is charged to your Apple ID at confirmation of purchase. - Subscriptions auto-renew unless canceled at least 24 hours before the end of the current period. - Your account is charged for renewal within 24 hours before the end of the current period. - Manage or cancel anytime in your App Store subscription settings. Support: - In-app user guide is available to all users. - Support: https://support.myenvelopes.app Privacy Policy: https://myenvelopes.app/privacy Terms of Service: https://myenvelopes.app/terms Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/