Foldz vs Budget Envelope Planner

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.

Give every dollar a job — before you spend it. Budget Envelope Planner brings the proven cash envelope method (cash stuffing) to iPhone and iPad. Split your monthly income into virtual envelopes — Rent, Groceries, Gas, Eating Out, Savings, Debt Payoff — and always know exactly what's left to spend. When an envelope runs low, you see it before you overspend, not after. ZERO-BASED BUDGETING MADE SIMPLE • Enter your monthly income in US dollars • Assign every dollar to an envelope until "Left to Assign" reads $0.00 • A budget where income minus envelopes equals zero — every dollar has a job TRACK SPENDING IN SECONDS • Log an expense with two taps: amount, envelope, done • Add notes like "Walmart" or "Electric bill" so you remember every purchase • Clear progress bars show spent vs. remaining for each envelope ROLLOVER THAT BUILDS A BUFFER • Leftover money can roll into next month automatically • Perfect for sinking funds: car repairs, travel, holiday gifts • Start each new month with your plan copied and carryover applied REPORTS THAT MAKE IT CLICK • Spending by envelope with a beautiful donut chart • Budget vs. actual for every envelope • Month-to-month spending trend PRIVATE BY DESIGN • No account, no sign-up, no bank login • All data stays on your device — nothing is uploaded • Export your budget as CSV anytime BUDGET ENVELOPE PLANNER PRO (subscription required) This app requires a Budget Envelope Planner Pro auto-renewable subscription to use: • Pro Yearly: $29.99/year with a 3-day free trial • Pro Monthly: $3.99/month The subscription unlocks the complete app: unlimited envelopes, monthly rollover, reports and charts, and CSV export. Payment is charged to your Apple Account at confirmation of purchase (no charge during the free trial if cancelled at least 24 hours before it ends). Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in Settings > Apple Account > Subscriptions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://appios432.blogspot.com/p/privacy-policy_0317922850.html Take control of your money the simple way — plan it, spend it, and know where it went. Download Budget Envelope Planner and give every dollar a job today.