Envelope Budget vs Newmonth

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/

How much can you spend today? Not your balance — what's actually free after rent, November's insurance, and the trip you're saving for. newmonth answers that with one number, and keeps it honest when plans change. KNOW WHAT'S SAFE TO SPEND Zero-based budgeting in one sentence: every amount gets a job before you spend it. Assign your income to categories until To Assign reads zero. From then on, each category's Available is the honest answer to "can I afford this?". YOUR MONEY NEVER LEAVES YOUR ICLOUD No account to create. No bank logins. No servers — because there are none. Your budget lives on your iPhone and iPad and syncs through your own iCloud — nobody else can read it. Bring your budget over from a YNAB export or any CSV, import statements as CSV, OFX, or CAMT, and export everything whenever you like. No lock-in. PRICING newmonth is free today. Paid plans arrive with a future update, for less than a coffee a month — and if you're here before then, you get 3 months free. Pick a yearly or monthly subscription, or a one-time purchase that's yours for good; without one, the app keeps working read-only, and exporting your data always stays free. Details: newmonth.app/pricing BUDGET TOGETHER, WITHOUT THE "WHO BOUGHT THIS?" Share your plan with a partner through iCloud — you both see the same numbers, live, on your own devices. Give each account an owner, and every device opens new transactions on the right account and remembers payees per person. Every transaction shows who entered it, and Home shows what your partner added. ADD A PURCHASE BEFORE YOU LEAVE THE SHOP • Under five taps: type the amount, pick the payee, and the category and account fill in from last time • Paid with Apple Pay? A one-time Shortcuts automation drops every tap into your budget, category included • Does your bank email or text you about payments? A Shortcuts automation forwards those alerts to newmonth and they become transactions — no bank login needed • Bills that repeat post themselves on schedule — you only enter what's new OPEN THE APP, SEE WHAT'S LEFT TO DO Home is a worklist, not a dashboard: what's still to assign, what needs attention (overspending, underfunded goals, a statement ready to pay, transactions to review), and what's due this month. SAVE AT YOUR OWN PACE Five kinds of goals — monthly, weekly, yearly, a savings balance, or needed by a date — each one shows how far along you are. OVERSPENT? FIX IT WHERE YOU SEE IT The moment a category goes over, the fix is right there: cover it from another category or from To Assign, one tap. Assigning works the same way: tap Assign Money, pick a category, type (a calculator is built in), and watch To Assign count down; nothing is saved until you finish. Or apply a rule — Underfunded, last month, your twelve-month average — each previews its total. Over-assigned? One tap takes back what sits beyond your goals. CREDIT CARDS WITHOUT THE HEADACHE A credit card is just another account: spend from the category, pay the card with a transfer. No phantom payment category, no money moving behind your back — if your categories are positive, the cash for the bill is already there. Carrying a balance? Budget toward it monthly; the app tells you when the statement is ready to pay. Loans, cash, savings, investments with their gains, and net-worth tracking accounts live alongside. SEE WHERE YOU STAND Spending trends, category breakdowns, how many months ahead you live — and the odd fact your budget has been quietly collecting about you. POWERFUL UNDERNEATH, SIMPLE ON TOP Under the calm surface is the whole method: splits, transfers, scheduled transactions, marks, reconciliation against your real statements. On iPad, it spreads into columns and sidebars. Most of the effort went into making sure you rarely notice — simple enough for the person in your household who'd rather not budget, complete enough to trust with your financial data.