Newmonth vs Budget Envelope Planner

How much can you spend today? Not your balance — what's actually free after rent, November's insurance, and the trip you're saving for. newmonth answers that with one number, and keeps it honest when plans change. KNOW WHAT'S SAFE TO SPEND Zero-based budgeting in one sentence: every amount gets a job before you spend it. Assign your income to categories until To Assign reads zero. From then on, each category's Available is the honest answer to "can I afford this?". YOUR MONEY NEVER LEAVES YOUR ICLOUD No account to create. No bank logins. No servers — because there are none. Your budget lives on your iPhone and iPad and syncs through your own iCloud — nobody else can read it. Bring your budget over from a YNAB export or any CSV, import statements as CSV, OFX, or CAMT, and export everything whenever you like. No lock-in. PRICING newmonth is free today. Paid plans arrive with a future update, for less than a coffee a month — and if you're here before then, you get 3 months free. Pick a yearly or monthly subscription, or a one-time purchase that's yours for good; without one, the app keeps working read-only, and exporting your data always stays free. Details: newmonth.app/pricing BUDGET TOGETHER, WITHOUT THE "WHO BOUGHT THIS?" Share your plan with a partner through iCloud — you both see the same numbers, live, on your own devices. Give each account an owner, and every device opens new transactions on the right account and remembers payees per person. Every transaction shows who entered it, and Home shows what your partner added. ADD A PURCHASE BEFORE YOU LEAVE THE SHOP • Under five taps: type the amount, pick the payee, and the category and account fill in from last time • Paid with Apple Pay? A one-time Shortcuts automation drops every tap into your budget, category included • Does your bank email or text you about payments? A Shortcuts automation forwards those alerts to newmonth and they become transactions — no bank login needed • Bills that repeat post themselves on schedule — you only enter what's new OPEN THE APP, SEE WHAT'S LEFT TO DO Home is a worklist, not a dashboard: what's still to assign, what needs attention (overspending, underfunded goals, a statement ready to pay, transactions to review), and what's due this month. SAVE AT YOUR OWN PACE Five kinds of goals — monthly, weekly, yearly, a savings balance, or needed by a date — each one shows how far along you are. OVERSPENT? FIX IT WHERE YOU SEE IT The moment a category goes over, the fix is right there: cover it from another category or from To Assign, one tap. Assigning works the same way: tap Assign Money, pick a category, type (a calculator is built in), and watch To Assign count down; nothing is saved until you finish. Or apply a rule — Underfunded, last month, your twelve-month average — each previews its total. Over-assigned? One tap takes back what sits beyond your goals. CREDIT CARDS WITHOUT THE HEADACHE A credit card is just another account: spend from the category, pay the card with a transfer. No phantom payment category, no money moving behind your back — if your categories are positive, the cash for the bill is already there. Carrying a balance? Budget toward it monthly; the app tells you when the statement is ready to pay. Loans, cash, savings, investments with their gains, and net-worth tracking accounts live alongside. SEE WHERE YOU STAND Spending trends, category breakdowns, how many months ahead you live — and the odd fact your budget has been quietly collecting about you. POWERFUL UNDERNEATH, SIMPLE ON TOP Under the calm surface is the whole method: splits, transfers, scheduled transactions, flags, reconciliation against your real statements. On iPad, it spreads into columns and sidebars. Most of the effort went into making sure you rarely notice — simple enough for the person in your household who'd rather not budget, complete enough to trust with your financial data.

Give every dollar a job — before you spend it. Budget Envelope Planner brings the proven cash envelope method (cash stuffing) to iPhone and iPad. Split your monthly income into virtual envelopes — Rent, Groceries, Gas, Eating Out, Savings, Debt Payoff — and always know exactly what's left to spend. When an envelope runs low, you see it before you overspend, not after. ZERO-BASED BUDGETING MADE SIMPLE • Enter your monthly income in US dollars • Assign every dollar to an envelope until "Left to Assign" reads $0.00 • A budget where income minus envelopes equals zero — every dollar has a job TRACK SPENDING IN SECONDS • Log an expense with two taps: amount, envelope, done • Add notes like "Walmart" or "Electric bill" so you remember every purchase • Clear progress bars show spent vs. remaining for each envelope ROLLOVER THAT BUILDS A BUFFER • Leftover money can roll into next month automatically • Perfect for sinking funds: car repairs, travel, holiday gifts • Start each new month with your plan copied and carryover applied REPORTS THAT MAKE IT CLICK • Spending by envelope with a beautiful donut chart • Budget vs. actual for every envelope • Month-to-month spending trend PRIVATE BY DESIGN • No account, no sign-up, no bank login • All data stays on your device — nothing is uploaded • Export your budget as CSV anytime BUDGET ENVELOPE PLANNER PRO (subscription required) This app requires a Budget Envelope Planner Pro auto-renewable subscription to use: • Pro Yearly: $29.99/year with a 3-day free trial • Pro Monthly: $3.99/month The subscription unlocks the complete app: unlimited envelopes, monthly rollover, reports and charts, and CSV export. Payment is charged to your Apple Account at confirmation of purchase (no charge during the free trial if cancelled at least 24 hours before it ends). Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in Settings > Apple Account > Subscriptions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://appios432.blogspot.com/p/privacy-policy_0317922850.html Take control of your money the simple way — plan it, spend it, and know where it went. Download Budget Envelope Planner and give every dollar a job today.