TYM vs BudgetBox Envelopes

TYM is a personal budgeting app that keeps all your data on your device. You don't create an account or connect a bank. Nothing is stored in the cloud, and every transaction you enter stays on your iPhone, iPad, or Apple Watch. Our App Store privacy label reads "Data Not Collected" because TYM does not send your financial data to any server we operate. What you track is yours alone. TYM works out a daily allowance from your remaining budget, your upcoming bills, and the days until your next income. It then shows a safe-to-spend balance, the money you have available after your committed expenses and goals. You can see what you can spend today instead of guessing from your bank balance. FREE FEATURES - Unlimited transactions for expenses, income, and transfers - Unlimited custom categories with emoji icons - Up to 3 budgets with progress bars - Up to 3 recurring transactions - 365-day transaction history - Daily allowance and safe-to-spend - Budget rule with 2 presets (Classic 50/30/10/10 or Essentials First 60/25/10/5) - Everyday accounts (checking, savings, credit, cash) with balances and basic net worth - 2 insight cards that highlight patterns in your spending - 1 savings goal - On-device AI assistant: 5 messages a day, with unlimited logging and spending search by typing - No-spend day tracking and streaks - Bill reminders - Face ID, Touch ID, or passcode lock - Apple Watch app to view balances and log expenses - Universal app for iPhone and iPad - Read-only Home Screen widget - 3 themes and 3 fonts TYM PRO ($4.99/month or $39.99/year) - Unlimited budgets, recurring transactions, and history - Wealth accounts (investments, retirement, crypto, loans, mortgage) for a full net-worth picture - Unlimited on-device AI assistant. Ask about your money, or describe a purchase in plain language and TYM logs it - All 6 insight cards and 6-month trend charts - Custom budget rule, plus every preset - Unlimited savings goals with progress bars - Budget rollover (optional, off by default) - 12 themes and 10 fonts - Export to CSV and PDF - iCloud sync across your devices - Quick-add Home Screen widget and full Apple Watch - Siri integration ON-DEVICE AI TYM's AI assistant runs on your device using Apple Foundation Models. Your financial data is never sent to a cloud or third-party AI service. It needs an iPhone with Apple Intelligence (iPhone 15 Pro or later) on iOS 26 or later. ABOUT MANUAL ENTRY TYM uses manual entry by design. Logging each transaction takes a few seconds and keeps you aware of your spending. There is no bank sync and no automatic import, so there are no bank credentials to store or protect. ABOUT PRIVACY TYM does not collect or transmit personal or financial data to any server operated by Tera Labs LLC. When iCloud sync is enabled (PRO), your data syncs through your personal iCloud account, managed by Apple under their privacy policy. Tera Labs LLC has no access to your iCloud data. SUBSCRIPTION INFORMATION TYM PRO is an auto-renewable subscription, offered monthly ($4.99) or yearly ($39.99). Payment is charged to your Apple ID at confirmation of purchase. The subscription renews automatically unless turned off at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the end of the period. Manage or cancel anytime in your device Settings under your Apple ID. Family Sharing is supported. Terms of Use (EULA): https://teralabsllc.com/#terms Privacy Policy: https://teralabsllc.com/#privacy

Keep monthly spending organized with a simple envelope-style budget. BudgetBox lets you create one budget plan and divide it into boxes, each with its own name, icon, color, and planned monthly amount. SEE YOUR MONTH • Check planned, spent, and remaining amounts for every box, with a progress bar and an “Over planned” tag when spending exceeds the plan. • View income logged this month, total planned expenses, spending so far, and remaining in the month summary. • Tap a box to see its entries for that month. LOG BY HAND • Record expenses, income, and refunds with an amount, date, box, and optional note. • Use “Repeat last transaction” to refill the entry form. • Swipe to delete an entry. Refunds reduce a box’s spent amount; income appears in the month summary. MAKE IT YOUR OWN • Choose from four starter templates with editable example amounts: Family Basics, Student, Cash Envelope Lite, and Freelancer Lite. • Try a sample budget with four boxes and three entries. • Drag boxes to reorder them, or swipe to archive a box. • Check the Review tab for this month’s planned-versus-spent figures and top five boxes by spending. The review is descriptive only. • Turn on an optional weekly or monthly check-in reminder. PREMIUM — ONE-TIME LIFETIME UNLOCK • Add as many boxes as you want. • Browse any past or future month. • Export all entries as CSV through the iOS share sheet, or import CSV entries in the same format. Without Premium, your plan supports up to eight active boxes, and the Month tab lets you browse the previous, current, and next month. YOUR DATA STAYS ON YOUR DEVICE All budget data is stored only on this iPhone or iPad. There’s no account, sign-in, tracking, or data collection, and no cloud sync. BudgetBox is for personal organization and recordkeeping, not financial advice or official guidance.