Foldz vs Truly Simple Envelopes

Stop overcomplicating your budget. Start using envelopes. Foldz is perfect for people who want a simple, private alternative to complex budgeting apps. Foldz brings the cash envelope method to your iPhone. Divide your income into envelopes, spend from them, and see exactly where your money goes — all without creating an account or sharing a single byte of data. Your data never leaves your device. No cloud. No accounts. No tracking. Period. HOW IT WORKS 1. Add your income for the period 2. Create envelopes for each spending category (Groceries, Transport, Coffee, Fun — whatever you need) 3. Tap an envelope to log a spend using quick-tap amounts 4. Watch your remaining balance update in real time 5. When an envelope runs out, decide: stop spending or move money from another envelope That’s it. No bank linking. No complicated categories. No 47-step setup. BUILT FOR HOW YOU ACTUALLY SPEND • Quick-tap spending — Tap +1, +5, +10, +20, +50, or +100 to build your spend amount faster than typing • Break envelope protection — Spending more than what’s left? Foldz warns you and offers to transfer from another envelope • Period navigation — Browse past and future budget periods to review your spending history • Recurring income — Set it once and your income auto-fills each period • Multiple budget periods — Monthly budgeting included free. Weekly and bi-weekly available with Premium PRIVACY IS NOT A FEATURE — IT'S THE FOUNDATION Foldz collects nothing. No analytics. No crash reporting. No advertising IDs. No servers. Your budget data is stored locally on your device in a file only your phone can read. We don’t know your name. We don’t know how much you earn. We don’t know what you spend on. And we want to keep it that way. FOLDZ PREMIUM Foldz is fully functional for free with monthly budgeting. Premium unlocks: • Weekly and bi-weekly budget periods — align to your pay cycle • Choose your week start day (Monday or Sunday) • Export transactions to CSV for spreadsheet analysis • Support independent, privacy-first development Pricing Foldz Premium is available as: • $4.99/month • $29.99/year • $79.99 one-time lifetime purchase Payment is charged to your Apple ID account at confirmation of purchase. Subscriptions automatically renew unless canceled at least 24 hours before the end of the current billing period. You can manage or cancel your subscription anytime in your Apple ID account settings. Privacy Policy: https://www.sparkbytdigital.com/apps/foldz/privacy/ Terms of Use: https://www.sparkbytdigital.com/apps/foldz/terms/ Support: https://www.sparkbytdigital.com/apps/foldz/support/ Download Foldz and take control of your spending — privately.

Managing money is stressful, and modern budgeting apps usually make it worse. They connect to your bank, download hundreds of transactions you don't recognize, bombard you with confusing pie charts, and charge you a hefty monthly subscription for the privilege. Truly Simple Envelopes is the opposite. It’s a digital version of the classic "cash stuffing" envelope method, built to be visually calm, completely manual, and intentionally friction-free. It never links to your bank accounts or automatically pulls in data. Instead, it asks you to mindfully put money into digital envelopes, and manually subtract it when you spend. By stripping away the bloat and focusing entirely on how much money you have left for different priorities, it brings peace of mind back to your finances while helping you develop healthy and sustainable financial habits. The core app, including iCloud syncing between your devices, is entirely free. If you find it useful, a one-time, lifetime $4.99 fee unlocks unlimited envelopes. Features: • The Main Wallet: A central holding bucket for all unallocated income. Add your paycheck here, then distribute the cash to your categories. • Custom Envelopes: Create dedicated folders for Groceries, Rent, Vacation, etc. Customize them with tactile, earthy colors and native Apple icons. • iCloud Sync: Built natively for Apple devices. Your balances and transactions sync instantly and privately across your Mac, iPhone, and iPad. • Accessible: Designed strictly to WCAG AA accessibility standards. Enjoy high-contrast text, large touch targets, and full support for Apple's Dynamic Type text scaling. • Complete Control: Swipe to delete a mistaken transaction, use the built-in Reconcile tool to clean up duplicate sync records, or hit the "Reset App Data" button to completely wipe your slate clean at any time. • Proudly Subscription-Free: We hate recurring billing as much as you do. Stick with the free version, or pay once and use the software forever. No ads, no trackers, no hidden fees.