Our Envelope Budget vs Budget

Our Envelope Budget is the modern way to manage your money using the proven envelope budgeting method. Connect your bank accounts, automatically categorize your spending, and see exactly where every dollar goes — all from one beautifully designed app. ENVELOPE BUDGETING MADE SIMPLE The envelope method is one of the most effective ways to budget. Instead of guessing where your money went, you assign every dollar a purpose by placing it into virtual envelopes — like Groceries, Rent, Entertainment, or Savings. When an envelope runs out, you know it's time to stop spending in that category. Our Envelope Budget makes this process effortless. LINK YOUR BANK ACCOUNTS* (With Premium Subscription) Securely connect your bank accounts and credit cards through Plaid. Your transactions sync automatically so you always have an up-to-date picture of your finances. No more manual entry or guessing — your spending shows up in real time, ready to be categorized. AUTO-CATEGORIZE TRANSACTIONS Tired of sorting transactions one by one? Create rules that automatically assign transactions to the right envelope based on the merchant name. Once you set up a rule, every future matching transaction is categorized instantly. Spend less time organizing and more time living. BUDGET ON A CALENDAR See your financial future laid out on a calendar. Our Envelope Budget shows you upcoming bills, scheduled envelope fills, and projected balances day by day. Know exactly what's coming before it arrives so you're never caught off guard by a bill or an empty envelope. FLEXIBLE ENVELOPE TYPES Not all expenses are the same, and your envelopes shouldn't be either. Choose from four envelope types to match how you actually spend: • Expense envelopes for everyday spending like groceries and dining out • Bill envelopes for recurring payments with due dates and amounts • Savings envelopes with goal tracking and progress bars • Income envelopes to track money coming in SMART FILL SCHEDULES Set your envelopes to automatically fill on a schedule — weekly, monthly, or yearly. Choose the exact day, and decide whether leftover money rolls over to the next period or resets to zero. Your budget stays current without you lifting a finger. MOVE MONEY BETWEEN ENVELOPES Life happens. When you overspend in one category, easily transfer money between envelopes to stay balanced. Move funds from any envelope to another, or pull from your unallocated funds — all in just a few taps. SPLIT TRANSACTIONS Sometimes one purchase spans multiple categories. Split a single transaction across as many envelopes as you need, assigning the exact amount to each. Perfect for trips to stores where you buy groceries and household items in the same cart. SHARE YOUR BUDGET Budgeting is better together. Invite your partner, spouse, or family members to share a workspace. Everyone sees the same envelopes, balances, and transactions in real time. Stay aligned on your financial goals without the awkward money conversations. CUSTOMIZE YOUR ENVELOPES Make your budget yours. Choose from dozens of icons and colors for each envelope, or pick a custom color to match your style. A personalized budget is one you'll actually use. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Where does your money actually go each month? Budget shows you. No ads, no account needed. Log every expense, income, transfer, charge, or payment. Pick the account, pick the category, add an optional note. Set monthly limits per category, schedule recurring bills and paychecks, and save toward goals like vacation or an emergency fund. Everything you log lives on your phone, with no sign-in and no cloud sync. Answers to your money questions • Where did all my money go this month? • How much can I still spend on groceries before I'm over budget? • What's my current net worth? • When is my next bill due? • How much have I saved for vacation so far? • Did this account move up or down this month? Transactions • Expense, income, and transfer entries • Charge and payment entries for credit cards and loans • Required fields: amount, account, category, date • Optional note on every transaction • Edit or delete with a tap Accounts • Asset accounts: cash, checking, savings, investment • Liability accounts: credit cards, loans, lines of credit • Per-account name, color, and a toggle to include or exclude from your total • Balances roll up to a Net Worth total • Bars showing each account's share of the total • Archive retired accounts and restore them later Budgets • One-off budgets per expense category, per month • Recurring budget templates that renew every month • Progress bar with remaining or over-by amount • Tap a category to see the month's transactions • End a recurring budget on any month Recurring transactions • Daily, weekly, biweekly, semimonthly, monthly, or yearly cadence • Optional end date on every series • Upcoming entries appear on the home screen • Calendar shows projected and recorded entries with different markers Saving goals • Name, optional target, optional deadline • Presets: Vacation, Car, House, Wedding, Emergency Fund • Progress ring with percent complete and a Reached state • Deposits and withdrawals create linked transactions • See remaining amount, percent complete, and days to deadline Calendar • Month grid with markers on transaction days • Different markers for recorded and projected (recurring) entries • Tap a day to see that day's transactions and projections • Projected end-of-month balance at the top Stats • Expense breakdown by category for the active range • This Month or Last 6 Months toggle • 6-month income and expense bar chart • Income, Expense, and Net columns at the bottom • Tap any category in the legend to see its transactions Net Worth • Assets minus liabilities at the top • Month-to-date change since the start of the month • Line chart of net worth over time • Per-account asset and liability breakdowns More to explore • 28 hand-built themes • Daily reminder with quiet days • Cent-accurate math, no rounding errors • Translated into 39 languages Ad-free & private • No ads • All data stays on your device • No account required. Works completely offline Your money, your phone. Disclaimer This app is for personal money tracking and is not financial advice. All figures reflect what you log. Always verify against your bank or card statements.