Bow vs Psionis

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

Psionis helps you give every paycheck a clear purpose. Build a budget around the money you actually bring home, then create funding rules that automatically divide each paycheck across your priorities. Use fixed amounts for predictable expenses and percentages for folders that should share what remains. Organize your budget with categories and folders, track spending and savings balances separately, and see exactly how much money is available to allocate. With Psionis, you can: • Create a personalized paycheck-based budget • Automatically distribute income using funding rules • Organize expenses, savings goals, and everyday spending • Track transactions and folder balances • Move money between spending and savings • Review paycheck allocation before distributing it • Share and manage a household budget with another member Psionis is designed to make budgeting structured, understandable, and intentional—without forcing every month into the same plan. Plan the paycheck. Fund the priorities. Know where your money is going.