Envelope Budget vs Pebble

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/

Pebble - Budget by Paycheck Most budgeting apps think in months. Your money doesn't. Pebble budgets the way you actually get paid — paycheck by paycheck — so you always know what's safe to spend before the next one lands. Set your pay schedule once (semi-monthly, biweekly, or weekly) and Pebble pages every month into its real paychecks. Each paycheck gets its own dashboard with a clear "Remaining" number after bills, card payments, and everyday spending settle. See where you're heading. Pebble projects your paychecks forward and shows where each month ends up — what lands, what goes out, and what's left when it does. It tells you your tightest point and warns you when you'd run short, and it counts your everyday spending, not just your bills, so the months ahead aren't quietly optimistic. Track a loan the way your lender does. Enter what you owe today and Pebble projects the payoff forward from there, tells you which month makes the last payment, and stops charging it after that. Planning to pay extra? Add a one-off or monthly extra principal payment and Pebble shows how many months sooner the loan ends and how much interest you keep. Moving money to savings? Record the transfer and Pebble counts it as saving, not spending — with a Savings home that tracks your balance month by month, and a linked savings account (Pro) that updates as your moves land. Set a monthly limit on any category and Pebble shows what you've spent against it — with the transactions behind every figure — and Pebble Pro draws your net worth month by month, so you can see exactly what moved it. PLAN EVERY PAYCHECK • A paycheck dashboard with a live Remaining hero card • Upcoming bills for the selected paycheck, sorted by date • Reorderable cards so the layout matches how you think • Variable paycheck amounts, bonus income, and start-balance overrides TRANSACTIONS, YOUR WAY • A clean ledger with search, category, and card filters • Browse any month with the new month switcher • Multi-select bulk edit: move to paycheck, move to card, or delete • Per-expense paycheck assignment with smart defaults CREDIT + DEBIT CARDS • Charges attribute to the paycheck that will actually pay the statement • Carry-in / carry-out badges show what's settling this cycle vs next • Track balances and log payments; debit cards settle instantly SPLIT EXPENSES • Split any expense across as many people as you need • Request via Venmo, Zelle, Cash App, or cash and track who has paid • Received shares flow back in as income on the right paycheck ACCOUNTS & NET WORTH (Pro) • Manual-balance accounts for assets and liabilities • A net-worth roll-up: assets − liabilities − card debt • Per-account and per-card "include in net worth" toggles • Always your numbers — Pebble never fetches or guesses balances RECURRING & REMINDERS • Set a bill once; it materializes each cycle on its due date • Recurring income templates for predictable extra money • Optional local reminders a few days before each bill is due • Subscription health view with monthly + yearly totals EVERYWHERE YOU ARE • iPhone and iPad, with an adaptive layout • Apple Watch app — glance, bills due, quick-add, and complications (free) • Home and Lock Screen widgets for Remaining, next bill, and splits • Private iCloud sync across your devices, plus daily iCloud Drive backups PRIVACY FIRST Your data lives in your own private iCloud. No account to create, no ads, no third-party trackers, no bank connections. Pebble never sees your finances. PEBBLE PRO — ONE-TIME PURCHASE The free tier covers everyday paycheck budgeting. Pebble Pro is a single $9.99 purchase (no subscription) that unlocks: • Unlimited cards, recurring templates, and split participants • Accounts and net-worth tracking • Full history and year recap • Unlimited future-month planning • CSV and PDF export Budget the way you get paid. Download Pebble and take control of every paycheck.