Pouch - Cash Envelope Budget

Cash stuffing, without the cash - and without handing anyone your bank login.
Pouch is a digital envelope budget: you make the envelopes, you enter what you spend, and the number on screen is always what is actually left.
No bank connection. No sync between devices. Your budget lives on this iPhone.

NEW TO THE ENVELOPE METHOD?

It's the oldest budgeting trick there is. At the start of the month you split your money into envelopes — Groceries, Gas, Dining out, Fun — and decide how much goes in each. When you spend, it comes out of the envelope it belongs to, and when an envelope is empty you're done spending on that thing until next month. Done with real cash it's called cash stuffing. Pouch is the same, minus the ATM run.

It's for you if you'd rather not hand an app your bank login, or you get paid on the 25th and a budget that resets on the 1st has never made sense.

HOW A MONTH GOES

• Add your accounts — bank, savings, cash in your wallet. You type the balances in yourself.
• Make your envelopes and give each one a monthly budget.
• Log an expense and pick the envelope it came out of. Left to spend this month updates on the spot.
• Ran an envelope dry? Move money over from one with room to spare.
• Switch on roll over and unspent money carries into next month — that's how a sinking fund grows.
• At month end, a Recap shows what you spent and where it went.

ASK POUCHY, OFFLINE

Pouchy is the assistant built into Pouch. It reads the records already on your phone and answers from those, so it works with no signal at all and nothing is sent anywhere.

• Ask what you spent: "What did I spend last week?"
• Ask where it went, by envelope, by account, by month
• Log a spend by typing it: "Add 25 on groceries" files itself
• Worked out on this iPhone. No account for it, no cloud, no AI service

The first three questions are free; after that Pouchy is part of Premium.

FREE, AND STAYING FREE

• 2 accounts and 3 envelopes — a real working budget, not a demo
• Unlimited expenses, transfers, roll over and recaps
• Every currency, and a month-end Recap showing where it all went

POUCH PREMIUM ADDS

• Unlimited accounts and unlimited envelopes
• Dark mode and envelope colors
• A custom month start, so your month begins on payday, not the 1st
• iCloud backup, so a new phone or a reinstall brings your budget back

Premium is optional: monthly, yearly, or a one-time Lifetime purchase. The App Store shows the price before you confirm.

YOUR BUDGET STAYS ON YOUR IPHONE

Every envelope, balance and expense is stored on this device. Nobody here can see what you spend, because it was never sent to us. Switch on iCloud backup and a copy goes to your own iCloud account: Apple's storage, your Apple Account, still never ours. Pouch does ask for an email to set up your account — ordinary sign-in, and your budget isn't part of it.

WHAT POUCH DOESN'T DO

Better you hear it here than find out on day three.

• No bank linking or imported transactions.
• No notifications and no reminders.
• No live exchange rates. Other currencies work, but you enter the rate.
• No live sync, no shared or family budgets. One budget, one iPhone. iCloud backup moves it to a new phone; it does not keep two phones in step.

Make your envelopes. Spend from them. Know exactly what's left.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/