Envelope Budget vs Sprig Money

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/

Get paid. Enter the number. Sprig splits it before you have time to talk yourself out of saving any of it. No budgeting app to maintain. No transactions to categorize. No bank account to link. Sprig does one thing: the moment your paycheck lands, it divides that amount into four buckets using a simple percentage rule, so the decision is already made before you open your other apps. HOW IT WORKS Pick a rule. Default is 20/10/60/10 — Growth, Stability, Essentials, Enjoyment. Prefer 50/30/20 or 70/20/10? They're built in. Or set your own percentages and make it yours. Enter your paycheck. Type the number. See four amounts instantly. Save it. Done in seconds, not sessions. Working two jobs? Add another check and Sprig splits the combined total the same way. FOUR SCREENS, FOUR JOBS Split — Enter what you were paid. See exactly what goes to Growth, Stability, Essentials, and Enjoyment. Save the paycheck and move on with your day. Grow — Watch what your Growth bucket becomes over time. Scrub out to any horizon and see money put in versus interest earned, side by side. It's a projection, not a promise. Fit — Tell Sprig your real monthly bills. It checks them against what your rule allots for essentials and gives you a plain answer: it fits, or it's tight. No spreadsheet required. History — Every payday you've saved, stacked in one place. Watch the total climb, check by check. WHO THIS IS FOR You get paid weekly or biweekly. You don't want to learn a budgeting system, track every purchase, or link your bank account to an app. You want the decision made in the time it takes to read a text message, then you want to get on with your life. That's what Sprig does — nothing more, nothing less. PRIVATE BY DESIGN Everything lives on your device. No account. No sign-up. No bank linking. No transaction import. Your paycheck numbers never leave your phone. Sprig is free to use, with ads. A one-time purchase removes them for good — no subscription. A NOTE ON THE NUMBERS Grow shows estimates based on the rate and contributions you enter. Real returns vary and aren't guaranteed. Nothing in this app is financial advice — it's a rough picture of what steady saving can look like over time, so you can decide what to do next. Get paid. Open Sprig. Split it. Get back to your life.