Envelope Budget App vs Toki

Wallyo gives every payday a clear plan and one number to live by: what is left to spend. Most budgets follow the calendar. Your money doesn't. Wallyo builds each budget cycle around the day you actually get paid — a day of the month, every 15 days, the last working day, or no fixed day at all. BUDGET YOUR WAY • 50/30/20 — split what comes in across needs, wants and savings. • Envelopes — give every dollar a job before the cycle starts. • Switch between them any time. Nothing you logged is lost. LOG IT IN SECONDS • Amount, name, done. Wallyo files it where it belongs. • Track income alongside spending. • Search, edit and recategorise anything later. • Log Apple Pay purchases automatically with a one-time Shortcuts automation. NO SURPRISE BILLS • Add the bills you know are coming, one-off or repeating. • Get a reminder three days before one is due. SEE WHERE IT WENT • Spending by cycle, side by side. • A category breakdown, your savings rate, and how this cycle compares to the last. • When a cycle ends, Wally the owl wraps it up with a calm look back. PRIVATE BY DESIGN • No account. No sign-up. No bank connection. • Everything lives on your device and works offline. • Back up to your own iCloud and restore whenever you need. • Export your transactions to CSV, or import them from one. MADE TO FEEL LIKE YOURS • Light, dark or system theme. • Any currency. English, Spanish and Portuguese. • Two app icons to choose from. WALLYO PRO Wallyo is free to use for your first four cycles. Pro unlocks every cycle after that, repeating bills, custom split percentages, moving money between envelopes, deeper insights and cycle comparisons, and removes ads. Choose monthly, yearly or lifetime. The free version never shows banners or pop-up ads. The only ads are optional rewarded videos you can choose to watch to unlock a Pro action once, and they are never personalised. Terms: https://wallyo.app/terms-of-service Privacy: https://wallyo.app/privacy-policy

Take control of your money without sacrificing your lifestyle. Toki is the ultimate tool for those seeking financial clarity that is fast, simple, and commitment-free. Based on the highly effective 50/30/20 method, Toki takes the boredom out of budgeting. Why is Toki different? • Lightning-Fast Logging: Time is money. Log your expenses and income in just a few taps—no endless menus or confusing screens. • Smart Goals: Want to upgrade your camera gear or plan your next mountain expedition? Create a goal, and Toki will calculate the exact monthly contribution to fit your budget stress-free. • Automatic 50/30/20 Method: Know exactly where your money goes. Toki intelligently divides your finances into Needs, Wants, and Savings. • Subscription Manager: Say goodbye to surprise charges. Visualize all your recurring payments and take full control of your monthly bills. • Pay Once, Own Forever: Forget about monthly subscriptions. Toki is yours for a one-time lifetime payment. No hidden fees, no fine print. Download Toki today and transform your relationship with money.