Envelope Lite vs Budget & Bill Planner

Take control of your money with Envelope Lite - a simple, privacy-first budget tracker. Divide your income into different envelopes, log expenses in seconds, and see exactly where your money goes. Local-first - your financial data stays on your device. Ad-supported with consent controls. How it works: Divide your monthly income into different budget envelopes - Food & Dining, Bills & Utilities, Family & Personal, Savings Fund, and Emergency/Debt. Every time you spend money, log it in the right envelope. See instantly how much you have left. Key Features: - Envelope Budgeting - different budget envelopes with adjustable amounts. See spent vs budget at a glance with color-coded progress bars. - Quick Expense Logging - Built-in calculator with quick keys for fast amount entry. Log an expense in under 15 seconds. - Sub-Categories - Classify expenses within each envelope (e.g., Breakfast, Lunch, Dinner under Food & Dining) for detailed spending insights. - Payment Tracking - Record how you paid: Cash, Bank Account, E-wallet (Momo, ZaloPay, GrabPay, VNPay), or Card (Credit, Debit, Prepaid). - Discount & Voucher Tracking - Record original price and discount separately. Know what you actually paid vs what you saved. - Spending Reports - Visual reports with charts showing budget vs actual, spending by category, and payment source breakdown. - Smart Reminders - Daily notification that adapts to your activity. Already logged your expenses? The reminder stays quiet. - Tags - Add freeform tags like store names or people for quick context on any transaction. - Local-First - All your financial data stays on your device. No account required. No cloud sync. The app works fully offline once installed. Privacy First: Your financial data never leaves your device - no transactions, budgets, or notes are uploaded anywhere. Envelope Lite is ad-supported (Google AdMob); you can choose personalised or non-personalised ads at first launch and change your mind any time in Settings -> Privacy & Data. See the privacy policy for what AdMob handles. Designed for daily use: The app is built around one habit: spend money, open app, log expense, close app. Everything is optimised for this 15-second daily action. Perfect for: - Anyone starting their budgeting journey - People who prefer cash-based or envelope-style budgeting - Users who value privacy and want no cloud dependency - Southeast Asian markets with VND-optimised amount input

Spendra shows you how much money you really have left this month — without ever giving up your data. Your money, your data — and yours alone. Private by design No account, no login, no sign-up All your data is stored locally on your device by default No bank connection, no banking credentials No analytics, no tracking, no ads Optional sync runs through your own private iCloud — never our servers Logged in seconds Quick entry with the amount field ready to type in Scan a receipt for the amount, merchant and date Send receipts and PDFs from any app via Share Split one entry across several categories Salary, rent and the rest post themselves as recurring entries Always know what's left Safe-to-spend for the month at a glance Envelope budgets per category, with rollover into the next month A 50/30/20 quick-start, calculated from your income Can I afford this? — check a purchase before you make it Subscriptions & fixed costs under control Every subscription in one place, with yearly cost and share of income Reminders before a charge, before a trial converts, before a cancellation deadline Price history per subscription A bills calendar with everything due Understand and save Stats by day, week, month and year Spending by category, trends and a money-flow chart Savings goals with a target amount, date and monthly rate Net worth across all your accounts Trips with their own budget and foreign currency at ECB rates On your Home Screen Home Screen and Lock Screen widgets Quick entry from Control Center A Live Activity with your daily budget Siri, Shortcuts and Spotlight search Gentle reminders A daily nudge to log what you spent An alert when a budget hits 80% and 100% A no-spend streak for your spend-free days Premium includes Advanced statistics with yearly views Subscription intelligence: insights, price alerts, automatic detection Net worth and iCloud sync Unlimited budgets, goals, categories, payment methods and trips Daily budget as a Live Activity, CSV export of your full history Every accent color AI Smart Capture on devices with Apple Intelligence — entirely on device A private App Lock with Face ID or Touch ID keeps your finances for your eyes only — free, for everyone. Subscriptions Auto-renewable Premium plans (1 month, 1 year with a 1-week free trial), or a one-time Lifetime unlock Payment is charged to your Apple ID account Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period Manage or cancel anytime in your Apple account settings Restore Purchases is available in-app Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://darianhanci-legal.web.app/datenschutz