Foldz: Envelope Budget App
Simple private expense tracker
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Stop overcomplicating your budget. Start using envelopes.
Foldz is perfect for people who want a simple, private alternative to complex budgeting apps.
Foldz brings the cash envelope method to your iPhone. Divide your income into envelopes, spend from them, and see exactly where your money goes — all without creating an account or sharing a single byte of data.
Your data never leaves your device.
No cloud.
No accounts.
No tracking.
Period.
HOW IT WORKS
1. Add your income for the period
2. Create envelopes for each spending category (Groceries, Transport, Coffee, Fun — whatever you need)
3. Tap an envelope to log a spend using quick-tap amounts
4. Watch your remaining balance update in real time
5. When an envelope runs out, decide: stop spending or move money from another envelope
That’s it.
No bank linking.
No complicated categories.
No 47-step setup.
BUILT FOR HOW YOU ACTUALLY SPEND
• Quick-tap spending — Tap +1, +5, +10, +20, +50, or +100 to build your spend amount faster than typing
• Break envelope protection — Spending more than what’s left? Foldz warns you and offers to transfer from another envelope
• Period navigation — Browse past and future budget periods to review your spending history
• Recurring income — Set it once and your income auto-fills each period
• Multiple budget periods — Monthly budgeting included free. Weekly and bi-weekly available with Premium
PRIVACY IS NOT A FEATURE — IT'S THE FOUNDATION
Foldz collects nothing.
No analytics.
No crash reporting.
No advertising IDs.
No servers.
Your budget data is stored locally on your device in a file only your phone can read.
We don’t know your name.
We don’t know how much you earn.
We don’t know what you spend on.
And we want to keep it that way.
FOLDZ PREMIUM
Foldz is fully functional for free with monthly budgeting. Premium unlocks:
• Weekly and bi-weekly budget periods — align to your pay cycle
• Choose your week start day (Monday or Sunday)
• Export transactions to CSV for spreadsheet analysis
• Support independent, privacy-first development
Pricing
Foldz Premium is available as:
• $4.99/month
• $29.99/year
• $79.99 one-time lifetime purchase
Payment is charged to your Apple ID account at confirmation of purchase.
Subscriptions automatically renew unless canceled at least 24 hours before the end of the current billing period. You can manage or cancel your subscription anytime in your Apple ID account settings.
Privacy Policy:
https://www.sparkbytdigital.com/apps/foldz/privacy/
Terms of Use:
https://www.sparkbytdigital.com/apps/foldz/terms/
Support:
https://www.sparkbytdigital.com/apps/foldz/support/
Download Foldz and take control of your spending — privately.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, Jia Ci Cho, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Jia Ci Cho
- Size
- 2.3 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Foldz Lifetime Premium $79.99
- Foldz Premium Yearly $29.99
- Foldz Premium Monthly $4.99
- Copyright
- © 2026 Jia Ci Cho
