Truly Simple Envelopes vs Sprig Money

Managing money is stressful, and modern budgeting apps usually make it worse. They connect to your bank, download hundreds of transactions you don't recognize, bombard you with confusing pie charts, and charge you a hefty monthly subscription for the privilege. Truly Simple Envelopes is the opposite. It’s a digital version of the classic "cash stuffing" envelope method, built to be visually calm, completely manual, and intentionally friction-free. It never links to your bank accounts or automatically pulls in data. Instead, it asks you to mindfully put money into digital envelopes, and manually subtract it when you spend. By stripping away the bloat and focusing entirely on how much money you have left for different priorities, it brings peace of mind back to your finances while helping you develop healthy and sustainable financial habits. The core app, including iCloud syncing between your devices, is entirely free. If you find it useful, a one-time, lifetime $4.99 fee unlocks unlimited envelopes. Features: • The Main Wallet: A central holding bucket for all unallocated income. Add your paycheck here, then distribute the cash to your categories. • Custom Envelopes: Create dedicated folders for Groceries, Rent, Vacation, etc. Customize them with tactile, earthy colors and native Apple icons. • iCloud Sync: Built natively for Apple devices. Your balances and transactions sync instantly and privately across your Mac, iPhone, and iPad. • Accessible: Designed strictly to WCAG AA accessibility standards. Enjoy high-contrast text, large touch targets, and full support for Apple's Dynamic Type text scaling. • Complete Control: Swipe to delete a mistaken transaction, use the built-in Reconcile tool to clean up duplicate sync records, or hit the "Reset App Data" button to completely wipe your slate clean at any time. • Proudly Subscription-Free: We hate recurring billing as much as you do. Stick with the free version, or pay once and use the software forever. No ads, no trackers, no hidden fees.

Get paid. Enter the number. Sprig splits it before you have time to talk yourself out of saving any of it. No budgeting app to maintain. No transactions to categorize. No bank account to link. Sprig does one thing: the moment your paycheck lands, it divides that amount into four buckets using a simple percentage rule, so the decision is already made before you open your other apps. HOW IT WORKS Pick a rule. Default is 20/10/60/10 — Growth, Stability, Essentials, Enjoyment. Prefer 50/30/20 or 70/20/10? They're built in. Or set your own percentages and make it yours. Enter your paycheck. Type the number. See four amounts instantly. Save it. Done in seconds, not sessions. Working two jobs? Add another check and Sprig splits the combined total the same way. FOUR SCREENS, FOUR JOBS Split — Enter what you were paid. See exactly what goes to Growth, Stability, Essentials, and Enjoyment. Save the paycheck and move on with your day. Grow — Watch what your Growth bucket becomes over time. Scrub out to any horizon and see money put in versus interest earned, side by side. It's a projection, not a promise. Fit — Tell Sprig your real monthly bills. It checks them against what your rule allots for essentials and gives you a plain answer: it fits, or it's tight. No spreadsheet required. History — Every payday you've saved, stacked in one place. Watch the total climb, check by check. WHO THIS IS FOR You get paid weekly or biweekly. You don't want to learn a budgeting system, track every purchase, or link your bank account to an app. You want the decision made in the time it takes to read a text message, then you want to get on with your life. That's what Sprig does — nothing more, nothing less. PRIVATE BY DESIGN Everything lives on your device. No account. No sign-up. No bank linking. No transaction import. Your paycheck numbers never leave your phone. Sprig is free to use, with ads. A one-time purchase removes them for good — no subscription. A NOTE ON THE NUMBERS Grow shows estimates based on the rate and contributions you enter. Real returns vary and aren't guaranteed. Nothing in this app is financial advice — it's a rough picture of what steady saving can look like over time, so you can decide what to do next. Get paid. Open Sprig. Split it. Get back to your life.