Emrys Pay vs iBudgetAll

The Emrys Loyalty Programme offers its members the chance to earn rewards in return for all purchases made in local store, large national retailers and with our merchant partnerships.

iBudgetAll is an envelope budgeting app that helps you put your money to work, envelope by envelope. Divide your income across cash envelopes, plan each month with intention, and always know exactly what is safe to spend. It is a private personal finance manager and budget planner built on the classic cash stuffing method, made for your phone. Envelope budgeting, also known as cash stuffing or the cash envelope system, is refreshingly simple: your income is split into budget categories before you spend a cent. iBudgetAll brings this idea to a modern budgeting app with both virtual and physical envelopes, so whether your money sits in a checking account, in cash envelopes at home, or a bit of both, every envelope has a clear purpose. TWO WAYS TO BUDGET Pick the approach that matches how you think about money: - Global budget: manage one overall budget across everything at once. - Per account budget: keep a separate budget for each account, so nothing gets mixed up. Either way, you can build a zero based budget where every dollar is assigned and nothing is left untracked. BUDGET TOGETHER Manage the same budget as a couple or a household, on both your phones. You each see the same envelopes, the same balances, and the same monthly budget, kept up to date across two devices. There is no separate partner login and no joint multi-user account: it is simply one shared budget that you both can see. SAVINGS GOALS AND CHALLENGES Watch your savings actually grow. Set a target on any envelope to build savings goals and sinking funds for the car, a vacation, the holidays, or a rainy day. Then choose from a catalog of savings challenges to give your goals momentum, or create a fully custom challenge of your own. The 52 week savings challenge is only one example among many. EVERYTHING IN ONE PLACE - Envelope budgeting with virtual and physical cash envelopes - Zero based budgeting so nothing is left unassigned - Global budget or per account budget - Savings goals and sinking funds with targets - A catalog of savings challenges plus custom challenges - Weekly and monthly budget summaries with clear statistics - Expense tracker and spending tracker for everyday habits - Bill tracker, reminders, and organizer for your monthly bills - Subscription manager for recurring payments - Debt payoff tracking to watch balances shrink - Household budget and budget for couples across two phones - Home screen widget to check your budget at a glance - Multi-currency and multilingual, wherever you live - Works entirely from your own manual entry PRIVATE AND MANUAL BY DESIGN iBudgetAll runs on your own manual entry from start to finish, with no bank connection and nothing pulled in automatically. You decide what goes in, when, and where it belongs, so you stay in control and genuinely aware of every paycheck and every purchase. It is a calm, private way to take charge, and a great fit if you are living paycheck to paycheck. Your budget is not limited to one place either, so you can track several accounts and multiple currencies side by side in a single app. TRY IT, THEN SUBSCRIBE Begin with a 32 day free trial and test everything the app has to offer. After the trial, a subscription is needed to continue using iBudgetAll. Your data always stays visible and is never deleted, so your budgeting history is always there when you return. Take back control of your money, one envelope at a time. Download iBudgetAll and give your money a plan. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/