Pouch - Cash Envelope Budget
Sinking Funds by Paycheck
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
No bank login. No sync. Nothing leaves your iPhone. You make the envelopes, you enter what you spend, and the number on screen is always what is actually left.
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.
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/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Pouch Premium is now offers one-time purchase. Buy Lifetime once and keep every Premium feature forever, with no subscription and nothing to renew. Monthly and yearly are still there.
Backup your expenses on iCloud. Keep a copy of your budget in your own iCloud, so a new phone or a reinstall brings everything back. Turn it on in Settings, then Backup.
The developer, Mirza Haad Baig, 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 Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Contact Info
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Mirza Haad Baig
- Size
- 59.5 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
English and 5 more
- English, Dutch, French, German, Italian, Spanish
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Pouch Premium Lifetime $50.00
- Pouch Premium Monthly $5.99
- Pouch Premium Yearly $29.99
- Copyright
- © 2026 Haad Baig