Fundwise

Fundwise implements zero-based envelope budgeting on iOS with iCloud sync across your devices, no subscription required. The app lets you split transactions across multiple envelopes, so a grocery trip that includes household items can be properly allocated to the right categories. Goals tracking keeps you accountable to longer-term savings targets while you manage day-to-day envelope spending.

Fundwise fits Apple users who want a straightforward envelope approach without paying a subscription. If you own multiple Apple devices and want your budget synced smoothly between them, the built-in iCloud integration makes it frictionless. It's also good for people who like splitting transactions across categories, a common need if a single purchase spans multiple envelope allocations, and who want to link their daily spending to bigger savings goals.