Palmo vs CashEnvelope

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

Digital envelopes, kitchen-table simple. CashEnvelope brings the classic cash-stuffing method to your iPhone — no bank link, no account, no analytics. Stuff your paycheck into envelopes for Rent, Groceries, Fun, and Savings, watch the liquid fill bars tick down as you spend, and stay in control of every dollar. WHAT YOU CAN DO: • Envelope Wall — every envelope on one screen with live liquid-fill cards (green on track, amber near limit, red over budget) • Add Transactions — log spending in two taps, see the wall update instantly • Pace Forecast — projects each envelope's end-of-month landing before you actually overspend • Roll-Over Behavior — choose roll, reset, or bank-to-savings at month end, per envelope or globally • Monthly Overview — pie chart of where your money went, plus trend lines • CSV Export — every envelope and every transaction in one shareable file • Auto-Allocate Paycheck — define a paycheck template once, tap "Receive Paycheck", and watch every envelope fill automatically by % or fixed amount • Daily Reminder — gentle local notification to log yesterday's spending • Local Currency — formats automatically to your device locale WHY CASHENVELOPE IS DIFFERENT: The big envelope-budgeting apps (YNAB, Goodbudget, EveryDollar, Mvelopes) all want $10–$18 a month, a login, and a bank connection through Plaid. Reddit and the App Store are full of "Plaid disconnected again" complaints and "lost my data when my subscription lapsed" reviews. CashEnvelope skips all of that. No email signup. No bank link. No cloud sync. Your envelopes live on your iPhone, in SwiftData, and nowhere else. If you cancel, your data stays. If you go offline, the app works. If you want privacy, you have it. CASHENVELOPE PREMIUM — $2.99/month (7-day free trial): • Roll-Over Behavior (roll, reset, or bank to savings) • Smart Forecast Alerts with tunable warning + critical thresholds • Monthly Overview pie chart + trends • One-CSV Export (envelopes + transactions) • Auto-Allocate Paycheck (one-tap distribute by % or $) • Ad-Free Free forever: unlimited envelopes, unlimited transactions, live fill bars, daily reminders. We don't gate the basics. PERFECT FOR: Couples and roommates splitting expenses, parents teaching the envelope method to teens, freelancers tracking variable income, anyone tired of bank-link apps breaking every other week, and the cash-stuffing community looking for a private digital companion. Privacy: CashEnvelope stores everything on your device. No account. No bank link. No personal data leaves your iPhone except the standard StoreKit purchase receipt and AdMob ad requests (free tier). See our Privacy Policy below for full disclosure. Auto-renews monthly. Cancel anytime in your Apple ID Subscriptions settings. Any unused portion of the free trial is forfeited when you purchase a subscription. --- Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://tabishhassan5121472.github.io/privacy-policy.html