Our Envelope Budget vs Dewmint Money

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/

Know where your money goes — without connecting a bank or creating an account. Dewmint Money is a fast, privacy-first money tracker for everyday spending, income, transfers, debts, budgets, scheduled transactions, account balances, and fixed-asset valuations. Your financial records stay in the app’s private storage on your device unless you choose to export or back them up. The core experience works offline. RECORD MONEY QUICKLY • Add expenses and income in seconds • Record transfers • Add optional notes and choose the transaction date and time • Keep separate bank, cash, wallet, credit-card, and investment accounts • Customize accounts and categories with icons and colors • Correct balances with auditable adjustments MANAGE ACCOUNTS AND CREDIT CARDS • Track balances across your accounts • Add a monthly payment due date to credit cards • See credit-limit utilization • Enable optional credit-card payment reminders with Dewmint Money Pro • Sort and group accounts to suit the way you work TRACK DEBTS • Record money you owe or money owed to you • Track borrowing, lending, payments, receipts, and settlements with their actual dates • Add due dates and notes • Connect debt activity to an account when money moves • Archive inactive debts while retaining their history PLAN WITH MONTHLY BUDGETS • Set spending budget for each month • Create an overall limit or allocate amounts by category • Track current spending and review previous months • Automatically repeat budgets each month with Dewmint Money Pro PLAN AHEAD • View income and expenses in a monthly calendar • Schedule future expenses, income, and transfers with Dewmint Money Pro • Choose optional device reminders for scheduled transactions • Keep upcoming activity organized alongside everyday records TRACK FIXED ASSETS WITH PRO • Create custom groups such as Properties • Record homes, land, vehicles, valuables, or other assets • Adjust valuations and retain a private valuation history • Include their latest valuations in your net worth without mixing them into transactions or spending insights SEE YOUR COMPLETE FINANCIAL PICTURE • See your net worth with money in hand, money lent, and liabilities shown separately • Open My Wealth Overview for a visual breakdown of the accounts and assets that make up your wealth • Review spending, income, and net recorded cash flow • Explore category and account breakdowns • View month, quarter, year, custom-range, and lifetime spending insights • Search and filter your complete transaction history • Export transactions to PDF PROTECT AND BACK UP YOUR DATA • Lock the app with a PIN and optional biometric unlock • Manually back up and restore using your private iCloud app container • Enable automatic daily, weekly, or monthly backups with Dewmint Money Pro Backups are controlled by you and protected by your iCloud account and Apple’s storage and transport protections. PRIVATE BY DESIGN • No bank connection • No Dewmint account or sign-in • No ads • No access to SMS or email • Core functionality works offline • Reminders are scheduled locally on your device The free version includes unlimited transactions, up to two active accounts, up to 25 active categories, one active debt, one manually configured monthly budget, and manual backup and restore. Dewmint Money Pro unlocks unlimited active accounts, categories, and debts; scheduled transactions and reminders; credit-card payment reminders; custom groups and valuation tracking; automatic monthly budget repetition; and automatic backups. Monthly, yearly, and one-time Lifetime Pro purchase options are available. Dewmint Money is a personal record-keeping tool and does not provide financial, tax, accounting, investment, or legal advice. Privacy Policy: https://dewmint.app/privacy/ Dewmint Terms of Use: https://dewmint.app/terms/ Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/