(Budgeting) By Envelope

ENVELOPE BUDGETING & RETIREMENT PLANNING. COMPLETELY PRIVATE.

By Envelope pairs two financial tools in one calm app: classic envelope budgeting to give every dollar a job, and an honest retirement projection to answer one question — will the money last? Everything is computed and stored on your own devices. No accounts, no servers, no tracking.

GIVE EVERY DOLLAR A JOB

Split your income into envelopes — housing, groceries, retirement, a vacation fund — and bring your unallocated buffer to $0.

• Drag a row's bar to re-allocate an envelope in real time
• Live income, allocated and buffer at the top, with an over-allocated warning
• Sort by name, category or amount — or arrange by hand
• Track one person or a couple, side by side

CHARTS THAT MATCH THE NUMBERS

• A donut groups your envelopes by category, with the live share of income and dollars in the center
• Tap any slice to focus it
• A bar view ranks envelopes and breaks them down per person for couples

WILL THE MONEY LAST?

Set your assumptions once, then compare claiming Social Security at 62, 65, 67 and 70 — each its own balance curve with a clear depletion age.

• Investment return, inflation, taxes, ages, balances and benefits — every rate has a field and a slider
• A year-by-year table shows the balance every December 31
• Overlay all four scenarios on one chart and scrub to read any balance
• Plans that survive the full horizon show ∞
• Couples: enter each person's age, retirement age, contribution and benefits for one combined household projection
• Set how many months of benefits count in the first claim year

BUILT FOR COUPLES

Switch to two-person mode and enter each person's income and amounts. Charts and totals break down by person. Retirement follows suit — each person gets their own age, retirement age, contribution, and Social Security benefit, combined into one household projection, with drawdown starting when the later of you retires. Switch back any time — Person 2's amounts simply hide, nothing is lost.

PRIVATE BY DESIGN

• 100% on-device computation — your money never reaches us
• No account, no sign-up, no email, no password
• No analytics, no ads, no third-party tracking SDKs
• Optional iCloud sync through YOUR own private database — we never see it
• Works fully offline

CALM BY DEFAULT

• Light "Paper" and dark "Ink" themes
• Comfortable or compact density
• Built-in categories — Expenses, Mortgage, Protected Goals, Retirement, Income Taxes, Safe-to-Spend and more — plus your own
• No onboarding wizard; start budgeting in minutes

ONE PLAN, EVERY SCREEN

iPhone, iPad and Mac. A floating tab bar on iPhone, a sidebar on iPad and Mac — the same budget and projections everywhere, kept in sync privately through iCloud.

WHO IT'S FOR

- First-time budgeters who want to see where the money goes
- Couples planning one shared budget
- Near-retirees comparing Social Security claiming ages
- Privacy-conscious people who won't hand their finances to a server
- Anyone tired of subscriptions

NO SUBSCRIPTIONS. NO ADS. NO CLOUD BACKEND.

A one-time purchase that works across every Apple device you own.

DISCLAIMER: By Envelope is a budgeting and planning tool, not financial advice. Retirement projections are scenarios built entirely from the assumptions you enter and are meant for comparison only. Past performance does not guarantee future results. Always conduct your own due diligence before making financial decisions.

Requires iOS 26.0 or later. Also available on iPadOS 26.0 and macOS 26.0.