Envelope Budget vs FlowBudget

Stop wondering where your money went. Start telling it where to go. Fundwise uses the proven zero-based envelope budgeting method to help you take complete control of your finances. Every dollar gets a job, every expense is planned, and you always know exactly what you can afford to spend. HOW IT WORKS 1. Add your income to Ready to Assign 2. Assign every dollar to budget categories (envelopes) 3. Spend only what is in each envelope 4. Adjust as life happens - move money between categories anytime It is simple, flexible, and incredibly effective. FEATURES - Zero-Based Budgeting Assign every dollar a purpose. No more money slipping through the cracks. - Multiple Accounts Track checking, savings, credit cards, and cash - all in one place. See your complete financial picture. - Smart Credit Card Handling Automatically tracks what you owe. When you budget for a purchase, the money is set aside for your credit card payment. - Split Transactions One purchase, multiple categories. Split a grocery run across Food, Household, and Dining so every dollar lands in the right envelope automatically. - Goals and Targets Save for vacation, emergency fund, or that new laptop. Set monthly targets or save by a specific date. - Age of Money See how long your money sits before you spend it. The longer, the better — it means you're spending last month's income, not scrambling to cover this month's bills. - Bulk Actions Select multiple transactions at once to categorize, clear, flag, or delete them in a single tap. Ideal after importing a CSV or reconciling a statement. - Recurring Transactions Set up bills and subscriptions once. Fundwise generates them automatically so you never miss a payment. - Budget vs Actual Reports See exactly how your spending compares to what you planned — per category, per month. Spot overspending before it becomes a habit. - Beautiful Widgets See your Ready to Assign balance, spending summary, and account balances right from your Home Screen. - Import Your Data Import transactions directly from your bank or credit card as CSV files. Works with exports from Chase, Wells Fargo, Bank of America, and most major banks. - iCloud Sync Access your budget on iPhone, iPad, and Mac. Everything syncs automatically through your personal iCloud. PRIVACY FIRST Your financial data is yours alone. Fundwise stores everything in YOUR personal iCloud account using end-to-end encryption. We cannot see your transactions, balances, or budgets - ever. No analytics, no tracking, no data selling. Period. PRICING - 30-day free trial (no credit card required) - Monthly: $1.99/month - Yearly: $19.99/year (save 17%) Cancel anytime. Your data remains yours even if you unsubscribe. WHY ENVELOPE BUDGETING? Traditional budgets track what you already spent. Envelope budgeting is different - you decide WHERE to spend BEFORE you spend it. This simple shift transforms how you think about money. Millions of people have used envelope budgeting to: - Pay off debt faster - Stop living paycheck to paycheck - Build emergency savings - Save for big purchases without stress - Finally feel in control of their finances GET STARTED TODAY Download Fundwise and start your free trial. In just a few minutes, you will have a budget that actually works. Questions or feedback? We would love to hear from you at support@paragbafna.dev Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

FlowBudget is the simple, intuitive app to track expenses, manage budgets, and take control of your personal finances. Add income and expenses in seconds, organize every transaction by category, and monitor your accounts in real time. Your Monthly Report tells the story of your money, month after month where it went, how much you saved, and what mattered most. KEY FEATURES • Dashboard with total balance and recent transactions • Multiple accounts (checking, cash, cards, savings) • Custom categories with icons and colors • Recurring transactions: subscriptions, rent, salary • Budget management with spending limits per category • Monthly financial report: income, expenses and balance • Detailed statistics and charts by category and period • Upcoming expenses: keep an eye on what's coming • Attach PDF receipts and invoices to transactions • Trash with restore option • Home screen widget FLOWBUDGET PRO • Unlimited accounts, categories and budgets • Unlimited recurring transactions • Full statistics history, including Year and All-time views • In-depth Monthly Report: savings rate, top categories, month-over-month comparison • Push notifications for budget alerts and recurring transactions • iCloud sync across iPhone, iPad and Mac • Backup and CSV export Try FlowBudget Pro free for 7 days. Available as a monthly subscription, annual subscription, or one-time purchase. Terms of Use: https://getflowbudget.com/terms