Bow vs Pouch

Bow is an envelope budgeting app that helps you aim every dollar before you spend it. Plan your spending, stay ready for every bill, get ahead on credit cards and always know what you can safely spend. Your budget stays private, on your iPhone and in your own iCloud. HOW BOW WORKS 1. Add your checking, savings and credit card accounts. 2. Your money lands in Ready to Assign. 3. Assign it to envelopes for bills, groceries, savings goals and fun. 4. Spend from your envelopes, and watch each one count down. 5. Overspent? Cover it from another envelope in a tap. Zero-based budgeting isn't about spending everything. It's about deciding what every dollar is for, so nothing surprises you. ENVELOPES AND TARGETS • Set a target for any envelope: a monthly amount, a bill due on a date, or a savings goal by a deadline. • Bow shows how much to set aside this month to stay on track. • Snooze a target for a month when plans change. • Group envelopes your way and save custom budget views. BILLS AND PAYCHECKS • Schedule rent, subscriptions, paychecks and every-other-week bills once. • See what's due next, and get a reminder before it's due. • Bills you schedule can fill in their envelope targets for you. • Share a payment plan screenshot and Bow schedules each payment, ending after the last one. CREDIT CARDS, MADE SIMPLE • When you spend on a card, Bow sets that amount aside in the card's payment envelope in your budget, automatically. • You'll always know you've budgeted enough for the bill. • Paying down debt? Set a payoff goal and track your progress. BANK SYNC, OPTIONAL • Connect your bank with SimpleFIN to bring in transactions for review. A SimpleFIN Bridge account is required. • Or log purchases by hand. Bow can also add purchases from your bank's notifications using Shortcuts. • Reconcile accounts to make sure Bow matches your bank. FASTER ENTRY • Scan a receipt, or share a screenshot of a purchase to Bow. • Speak a purchase out loud and Bow fills in the details. • Ask Siri to log a transaction or check an envelope. • Ask Bow questions like "How much did I spend on dining out this month?" Receipt scanning, speaking a purchase and asking questions use Apple Intelligence on supported iPhones. SPENDING INSIGHTS • See spending by envelope, month by month. • Track income against spending and search every transaction. PRIVATE BY DESIGN • No Bow account to create. Your budget syncs between your devices through your own iCloud. • Your data is never sold or shared for advertising. • Export a backup anytime. MOVING FROM YNAB? Import your YNAB budget, with your accounts, envelopes and history, and pick up right where you left off. TRY BOW FREE FOR 2 WEEKS Start Bow Annual or Bow Monthly with a 2-week free trial, or buy Bow Lifetime once. Bow reminds you before your trial ends. Without a subscription or Lifetime, your budget stays readable but can't be changed. Payment is charged to your Apple Account when you confirm a purchase, or when a free trial ends. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple Account settings. Terms of Use: https://bowbudget.com/terms Privacy Policy: https://bowbudget.com/privacy

Track every dollar — without giving up your privacy. Pouch is a fast, beautiful budget tracker for people who want to know where their money goes without handing their bank login to a stranger. Add an expense in five seconds. Manage multiple wallets in different currencies. Watch your budgets in real time. All offline-first, all on your device, all yours. No signups. No bank scraping. No ads. No accounts to forget the password to. Log expenses in 5 seconds A clean, single-screen entry. Pick a wallet, tap a category, type the amount. Done. Use the home-screen widget or Siri Shortcut to log without even opening the app. Multi-currency without the headaches Travel often? Live between currencies? Pouch handles them natively. Create a wallet in any of 150+ currencies. Transfer between wallets — even across currencies — and Pouch converts automatically using up-to-date rates. A dashboard that actually tells you something Income vs. expense at a glance. Spending by category. Net savings trend. Top categories. Upcoming bills and subscriptions. Drag and drop the widgets you care about, hide the ones you don't. Budgets that keep you honest Set weekly or monthly budgets per category. Get a heads-up before you overshoot. Track in any currency. Recurring made easy Salaries, rent, Netflix, gym, that streaming subscription you forgot about — set them once and Pouch logs them automatically on the right day. Bills you'll never miss Add a due date. Get a reminder. Mark it paid in one tap. Pouch even auto-expenses overdue bills so your numbers stay accurate. Savings goals & a wish list Earmark a wallet as savings — it stays separate from your day-to-day spending. Build a wish list with progress bars and contribute to goals from any wallet. Private by design Your transactions never leave your device unless you turn on iCloud sync — and even then they sync through *your* private iCloud account, not our servers. We don't have a backend that stores your data. Lock the app with Face ID for an extra layer. Your data, your way Export everything to CSV any time. No lock-in. Pouch Pro Unlock the power features with one subscription: - Multiple wallets and currencies - iCloud sync across all your devices - Recurring payments, subscriptions, bills - Budgets and reminders - CSV export - Wish list goals Try it free, then keep it for less than a coffee a month. Cancel anytime in App Store settings. 100% offline-first. No accounts. No ads. No data sold, ever. If you have feedback or feature requests, write to ilya.burdyniuk@gmail.com — we read every email. Welcome to Pouch. - Log expenses in seconds with the new quick-add sheet - Track money across multiple currencies and wallets - Configurable dashboard with charts, budgets, and upcoming bills - iCloud sync, Face ID lock, CSV export - Siri Shortcuts for hands-free logging We'd love your feedback — tap the gear icon to send us a note. Terms of Use https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy URL https://docs.google.com/document/d/11iLSV1Bc1XPV-DmVBfkNesi7KP_PdJJHHMfT3WYvTRk/edit?usp=sharing Copyright 2026 Ilie Burdiniuk