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What is Bow?

Bow is an envelope budgeting app for iPhone, including iPhone Duo. You split the money you have into envelopes, like Rent, Groceries and Vacation, before you spend it. Each purchase comes out of its envelope, so you always know what’s left for each purpose. You only budget money you already have. There’s no Bow account and no Bow server: your budget lives on your iPhone and in your own iCloud.

Key features

Envelope budgeting

Assign every dollar in your accounts to an envelope, and spend from there.

Targets

Tell Bow what each envelope needs, and fund them all in one tap.

Fast logging

Scan a receipt, choose a photo, speak or describe a purchase. Or ask Siri.

Bank sync

Bring in bank transactions through SimpleFIN Bridge, if you want to.

Credit cards

Card spending sets the bill money aside as you go, so you only spend what you have.

Move from YNAB

Bring your accounts, groups and envelopes over from a YNAB export.

Siri and Shortcuts

Log spending and check envelopes without opening the app.

Private by design

Your data stays on your iPhone and in your iCloud, with Face ID lock if you want it.

Payment plans

Share a Klarna, Affirm or Afterpay screenshot and Bow schedules each payment.

iPhone Duo

Unfold it to see an envelope or account beside its list.

Get started

1

Download Bow

Get Bow from the App Store and tap Get Started. Want to look around first? Tap Try a Demo.
2

Add your accounts

Add the accounts you spend from, with today’s balances.
3

Choose your envelopes

Pick what you spend on and save for, and add your own.
4

Assign your money

Move your money into envelopes until Ready to Assign reaches zero.

Quickstart

A walk through setting up your first budget.