Decide where your money goes on payday - before the month decides for you.
Pouch is envelope budgeting on your iPhone: digital envelopes you fill yourself, so the number on screen is always what's actually left.
No bank login, ever. No open banking, no imported transactions, no cloud sync - your budget stays on the device.
HOW THE ENVELOPE METHOD WORKS
Never heard of it? It's the oldest budgeting trick going: when your pay lands you split it between envelopes - food shop, petrol, bills, the odd takeaway - and once one's empty, that's it until payday. Pouch does the same with digital envelopes. Give each a monthly budget, and everything you log comes out of its envelope, so you're not adding up last month - you're deciding what this month is for.
WHAT YOU ACTUALLY DO
• Add your accounts - current, savings or cash - and type in what's in them
• Create envelopes and give each a monthly budget
• Log what you spend as you spend it, from an envelope and an account
• See what's left this month, and what that leaves you per day
• Shuffle money between envelopes when the week doesn't go to plan
• Roll leftovers into next month or start fresh, then read your recap
You type it in yourself. That's the point: five seconds to log a coffee is what makes you notice the coffees.
It's for anyone paid monthly who needs it to stretch, anyone doing cash stuffing without the cash, and anyone who tried a bank-linked app and still had no idea what was safe to spend.
IT STAYS ON YOUR PHONE
Nothing to connect. Your envelopes, accounts and transactions are written to this iPhone and stay there - we can't see your budget, and nobody else can. You sign in with an email, but the budget never leaves the device: no cloud backup, no second-phone sync.
Export a copy any time - exporting your data is free, and always will be.
FREE, AND WHAT PREMIUM ADDS
Free for as long as you like: 2 accounts, 3 envelopes, rollover, transfers, recaps - the whole budgeting loop. Pouch Premium is an optional subscription that adds:
• Unlimited accounts and envelopes
• Dark mode
• A custom month start - begin the month on payday, not the 1st
• Envelope colours
• Importing a backup file
BEFORE YOU DOWNLOAD
Pouch doesn't link to your bank, import transactions or fetch live exchange rates. No notifications or bill reminders, no shared budgets, no cloud sync. Balances are the ones you type in.
If you want your bank to do the work, this isn't your app. If you'd rather decide yourself where the money goes - welcome. Every penny gets a history.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
