Envelope Budget vs Your Budgets

How much can you still spend before payday? Have you already overspent on groceries? How do you keep one budget with your partner? Fukurowake splits your monthly budget into envelopes and shows what's left at a glance. No account needed, and the developer never sees your records. Your records are stored on your device, and also in iCloud only if you turn on iCloud sync or sharing (a shared book lives in its owner's iCloud). The developer never sees your data, and fetching exchange rates sends only currency codes. Manage your finances simply while keeping your privacy. Key Features: - Split one payment across several envelopes - Set budgets for each envelope - Start your month on payday (moves to the previous weekday on weekends) - Track expenses and income - Transfer between envelopes - Monthly reports - Record fixed costs automatically (Pro) - Save monthly for big expenses (Pro) - Roll leftovers into next month (Pro) - Record in foreign currencies, with auto rates for most (Pro) - iCloud sync across your devices (Pro) - Share a book with family (only the person inviting needs Pro) - Save receipt photos with records and read totals on your device (Pro) - 36 currencies and 15 languages - Themes, including Dark mode - Home Screen and Lock Screen widgets - Backup and restore via iCloud Drive - Lock the app with Face ID or your passcode Free with up to 5 envelopes. Upgrade to Pro (one-time purchase) for unlimited envelopes. No ads. No subscriptions.

Your Budgets is a family budgeting app for iPhone and iPad: track who paid, who received, and how much — across 37 currencies — with a year planner inspired by a household spreadsheet. DASHBOARD • Net balance for the month with income and expense breakdown • Per-member totals, category budget progress, savings goals • Recent transactions and quick-add TRANSACTIONS • Income, expense, transfer, and savings contributions • Split bills, receipt photos, optional location • Keyword category suggestions as you type • Bank CSV import (Mono, Privat, Revolut, Wise, generic) FAMILY & CATEGORIES • Family members with salaries and monthly salary history • People outside the household you spend on • 20 default categories + custom colors and icons • Monthly category budgets with progress bars YEAR PLANNER • 12-month grid with income, required, and other expense blocks • Recurring lines copied to future months; paid checkbox per item • Turn a planned line into a real transaction in one tap • Optional reminders for upcoming payments MORE TOOLS • Savings goals with deadlines and progress • Recurring transaction rules • Multi-currency accounts, loans, and crypto holdings • Reports: pie, bar, and line charts; CSV and PDF export • Month-end forecast on the Dashboard PLATFORM • Home Screen widgets (Small and Medium) • Optional Live Activity • Siri Shortcuts and widget deep links • Export/import JSON to Lutarea BACKUPS in iCloud Drive • Optional passcode and Face ID • Light, dark, and gold themes; 9 interface languages Exchange rates refresh from public APIs. Amounts stay in their native currency; totals convert at display time. No ads and no analytics. The only network request is fetching exchange rates. There is no iCloud database sync and no Apple Watch app. Your Budgets is not tax, legal, or investment advice. All data stays on your device. Part of the Your … app family by Lutarea.