Money Envelope vs FlowBudget

Take control of your finances with the envelope budgeting method — now with automatic Apple Pay tracking. Money Envelope is a beautifully simple budgeting app that puts every dollar in its place. Screenshot your Apple Pay payments, and the app reads them automatically using on-device OCR. No manual entry, no hassle, no subscription fees. Ever. ▸ AUTOMATIC TRANSACTION TRACKING • Scan Apple Pay payment screenshots — merchant names and amounts are read instantly • Set up Tap to Pay automation via iOS Shortcuts for hands-free tracking • Pending transactions queue lets you review and categorize in batches • Smart merchant memory — the app learns your categories and auto-assigns future transactions ▸ SMART ENVELOPE BUDGETING • Create custom envelopes for every spending category • Set monthly budgets and distribute your income across envelopes • Budget rollover — unused money carries over to next month automatically • Recurring transactions for subscriptions, rent, and regular expenses • Ready-made templates to get started in seconds ▸ ANALYTICS & EXPORT • Visual spending trends with daily and cumulative charts • Envelope breakdown showing where your money goes • Daily spending average, percentage spent, and remaining balance at a glance • Export your data as CSV or JSON — your data, your way • Flexible time periods: current month, last 3/6 months, year-to-date, or custom range ▸ MULTI-CURRENCY SUPPORT • 25+ currencies with automatic conversion • Set your base currency and log transactions in any currency • Real-time exchange rates keep your budget accurate across borders ▸ PRIVACY FIRST • All data stored on your device and in your personal iCloud — nowhere else • On-device OCR — your screenshots never leave your phone • No third-party servers, no data selling, no tracking • Analytics are 100% opt-in — you choose what to share • No account required — just download and start budgeting ▸ DESIGNED FOR SIMPLICITY • Clean, intuitive interface that gets out of your way • Add transactions in seconds with quick-entry flow • Search and filter transactions by category, date, or keyword • Custom icons and colors for every envelope • Dark mode support • Full onboarding to get you started fast Money Envelope is 100% free with no subscriptions, no in-app purchases, and no hidden costs. If you've been looking for a simpler, more private alternative to YNAB or other budgeting apps — this is it. Download now and take control of your spending.

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