By Envelope gives every dollar a job with the classic envelope method, then projects whether your savings will carry you through retirement. No accounts, no ads — nothing leaves your device.
The same budget on your Mac at the desk, your iPad on the couch, and your iPhone at the store. iCloud keeps it in sync — privately.
Build a monthly budget you can actually keep — then model a retirement you can actually picture.
Split your income into envelopes — housing, groceries, retirement, a vacation fund — and watch your unallocated buffer settle to zero as you go. Drag a row's bar to rebalance an amount in real time.
A donut shows each category's share of your income; a bar view breaks allocation down per person. Tap any slice to focus it — the center always reads the percentage and the dollars.
Set your assumptions once, then compare claiming Social Security at 62, 65, 67 and 70 — each as its own balance curve with a clear depletion age. A year-by-year table shows the balance every December 31.
Toggle between one- and two-person budgets without losing a thing. Person 2 amounts simply hide when you don't need them.
Returns, inflation and taxes are assumptions you control. Forecasts are scenarios to compare — never financial advice.
No ads, no upsells, no account. Pay once on the App Store and the whole app is yours, on every Apple device you own.
On the App Store for iPhone, iPad and Mac. Open it and you're budgeting in minutes — no sign-up.
Regime-aware market analysis and probabilistic stock forecasting for serious investors — professional-grade intelligence, completely private, all on your device.