Fold : Envelope Budget

Fold brings the proven power of zero-based envelope budgeting right to your iPhone, designed with an elegant tactile paper aesthetic and total local privacy.

Stop guessing where your money went at the end of the month. Give every single euro or dollar a clear job before you spend it.

WHY FOLD?

ZERO-BASED ENVELOPE BUDGETING
Divide your monthly budget into clear, purposeful envelopes: Groceries, Leisure, Rent, Subscriptions, or Savings Goals. Instantly see your real Safe to Spend balance at any moment.

SMART RECURRING CHARGES & SUBSCRIPTION AUDIT
Recurring fees quietly eat away at your savings. Fold tracks renewal dates, schedules alerts before you get billed, and spots Zombie subscriptions you rarely or never use so you can cancel them on time.

INSTANT ADJUSTMENTS & REBALANCING
Overspent on dining out? Easily rebalance surplus funds from another envelope with one tap to keep your overall budget balanced.

100% OFFLINE & PRIVATE
Your financial data belongs strictly to you. Fold requires no cloud account, connects to no third-party bank servers, and contains zero trackers. Everything stays securely on your device with SwiftData and local biometric lock (Face ID). Optional iCloud sync, off by default: your data then goes only through your private iCloud account, never through our servers.

CLEAR ANALYTICS & HOME SCREEN WIDGETS
Understand your spending trends across 6 months, view breakdown donuts, and keep your remaining daily budget visible at a glance with native iOS widgets.

KEY FEATURES:
- Zero-based budgeting with dynamic allocation checks
- Visual envelope deck with quick expense entry
- Subscription and fixed contract manager with trial expiration alarms
- Rollover envelopes and multi-asset investment tracking
- Extra income & bonus handling
- Native iOS Interactive Widgets
- Complete privacy: offline storage, zero tracking

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://www.vesparysstudio.fr/politique-de-confidentialite.html