Prosper vs Envelope Budget

See your financial future before it happens. Prosper helps you plan ahead, not just track the past. Simulate retirement, test major life decisions, optimize your mortgage, and see how your net worth could evolve over time. - Project your future with interactive net worth and cash flow projections over the next 10, 20, or 30 years. - Test what-if scenarios for salary changes, home purchases, children, major expenses, and early retirement. - View inflation-adjusted projections to understand what your money could be worth in real terms. - Optimize your mortgage with extra payment simulations, payoff comparisons, and long-term cost analysis. - Plan as a household with multiple profiles and combined long-term projections. - Stay private by default with data stored on your device, offline support, and optional cloud sync only if you enable it. Prosper is built for people pursuing Financial Independence (FIRE), planning retirement, paying off debt, and making bigger financial decisions with more confidence. Download Prosper and start simulating your financial future.

Stop wondering if you can afford it. Envelope Budget gives every dollar a job, so you always know what you can spend, what's set aside for bills, and what's left until payday. HOW IT WORKS When you get paid, fill your envelopes: mortgage, groceries, gas, eating out, savings. Every purchase comes out of an envelope. When one runs low, you know before you overspend, not after. FEATURES • Envelopes at a glance: see what's funded, what's spent and what's left in every envelope • Payday in one tap: allocate a paycheck the moment it lands, or reuse a paycheck template • Overspent? Cover it from another envelope in one tap. No guilt, just a plan • Smart inbox: new transactions arrive sorted. Payee rules suggest the envelope, and you swipe to accept • Bank sync: connect your bank through Plaid or SimpleFIN (read-only), or enter everything by hand • Amazon orders split by item: each item lands in the right envelope, with the EnvelopeBudget browser extension • Budget Bootcamp: a guided start that walks you through your first weeks, step by step • Budget together: invite your partner or family to the same budget, in sync on phone and web • Bills calendar and savings goals, so nothing sneaks up on you • Reports: spending by category, income by source, and net worth over time • Home Screen and Lock Screen widgets • Face ID or a PIN to keep your budget private PRIVATE BY DESIGN No ads. We never sell your data. Bank connections are read-only, and you can skip them entirely. FREE TRIAL, MEMBERSHIP AND SELF-HOSTING Envelope Budget can be used at no charge with your own self-hosted Envelope Budget server. The optional EnvelopeBudget.com hosted service includes a 34-day free trial; continued access to that hosted service requires a paid membership purchased through an in-app purchase. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/