My Envelopes vs Balances.ai

A simple budgeting system that works in real life. Know where your money is, where it goes, and what’s available to spend. My Envelopes helps you set clear spending limits, save toward your goals, and adjust your plan as life changes. Get started with a straightforward method: 1. Create envelopes for spending limits and savings goals. 2. Allocate your income to your envelopes. 3. Record your spending and assign each expense to an envelope. 4. Review your balances and adjust your plan as needed. Clear limits, visible progress, and more peace of mind. Start with a free plan Get started with up to 2 accounts and 8 envelopes, with data stored locally on your device. Upgrade when you need more, including cloud sync with Personal or shared workspaces with Team. Main features: - Spending envelopes for everyday limits and goal envelopes with savings targets. - Income allocation with a history of past allocations. - Transactions with notes, status, and quick edits. - Transfers between accounts and between envelopes. - Tools to identify spending that hasn’t been assigned to an envelope. - Bill reminders with recurring schedules and a calendar view. - An overview of spending, balances, and upcoming reminders. - Transaction search and filters. - Restore deleted transactions from Trash and review change history. - Local storage, cloud sync, and shared workspaces, depending on your plan. Subscriptions: - Payment is charged to your Apple ID at confirmation of purchase. - Subscriptions auto-renew unless canceled at least 24 hours before the end of the current period. - Your account is charged for renewal within 24 hours before the end of the current period. - Manage or cancel anytime in your App Store subscription settings. Support: - In-app user guide is available to all users. - Support: https://support.myenvelopes.app Privacy Policy: https://myenvelopes.app/privacy Terms of Service: https://myenvelopes.app/terms Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Balances is accounting built for people who'd rather run their business than do the books. Connect your bank and cards and Balances pulls in every transaction automatically. Snap a photo of a receipt and it's matched to the right expense. Categorization, reconciliation, and your reports stay current between sessions — no spreadsheets, no month-end dread. WHAT YOU CAN DO • Connect bank & credit card accounts for automatic transaction sync • Auto-categorize and reconcile transactions • Create and send invoices; track bills and expenses • Capture receipts with your camera and attach them in seconds • See real-time Profit & Loss, Balance Sheet, and cash flow • Work in multiple currencies with automatic conversion • Ask the built-in assistant to handle tasks in plain English BUILT FOR SMALL BUSINESS Self-employed, running a trade, or growing a team — Balances keeps your books accurate and tax-ready without the busywork. Bank connections are read-only and your data is encrypted. Questions? support@balances.ai