Cashfold: Envelope Budget

Cashfold is a cash envelope budget for the money you actually spend. When you get paid, you give every dollar a job: rent, groceries, gas, savings. When you spend, you take it out of an envelope. You always see how much is left in each one. ━━━ Fill your envelopes on payday ━━━ • Weekly, every two weeks, twice a month or monthly: Cashfold works with your pay schedule • Enter your paycheck and each envelope gets a suggested amount. A $1,400 monthly rent becomes $646.15 per biweekly paycheck, worked out for you • Change any amount, watch "Left to assign" reach zero, then fill every envelope with one tap • Remember the amounts for next time, or set a fixed amount per envelope ━━━ Spend from envelopes ━━━ • Add a spend in three taps: amount, envelope, save • Envelopes are listed in the order you use them, with what is left shown before you pick • Split one purchase across envelopes • Overspent? The envelope turns red and you cover it from another envelope or from Ready to assign • Totals are recalculated from your transactions every time you open the app, so balances match what you entered ━━━ Close the month in one step ━━━ • At the start of a new month, Cashfold asks once whether to close last month • Choose what happens to leftovers in each envelope: roll over, return them, or move them to savings • Undo a payday or a month close within 30 days • Savings goals with a target date get the amount needed per paycheck ━━━ Private by design ━━━ • No bank login, no account, no location, no ads, no tracking • Your budget stays on your phone • Lock the app with your fingerprint, face or a PIN. While locked, the app is hidden from the recent-apps view and screenshots • Backup to an encrypted file is free • A payday reminder that does not show amounts • 9 color themes, light and dark ━━━ Free and Pro ━━━ Free: envelopes (any number), payday fill, month close, transactions, splits, this month's report, backup to a file, app lock. Pro (one-time purchase, not a subscription): • More accounts, such as cash and credit cards • Reports for past months • Automatic encrypted backup to Google Drive • CSV import and export, including bank CSV files • A home-screen widget with Ready to assign and your lowest envelopes Your records stay readable, editable and exportable, with or without Pro. Languages: English, Deutsch, Español, Français, Bahasa Indonesia, 日本語, 한국어, Português, ภาษาไทย, 繁體中文 Cashfold is a record book on your phone. It does not connect to your bank, and it does not hold or move money. It is not financial advice.

The first release of Cashfold: an envelope budget by paycheck. Fill envelopes on payday with suggested amounts for weekly, every-two-weeks, twice-a-month or monthly pay. Add a spend in three taps, split a purchase across envelopes, and cover an overspent envelope from another one. Close the month by rolling over, returning or moving leftovers to savings, and undo within 30 days. No bank login, no account, no ads. App lock and encrypted backup to a file. Pro is a one-time purchase.