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Bow is an envelope budget. You decide what your money is for before you spend it, and Bow keeps track of what’s left for each purpose. It’s the cash-in-envelopes method, without the cash.

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The three parts

Accounts

Hold your real money: checking, savings, cash and credit cards. Their balances should match your bank.

Envelopes

What your money is for, like Rent, Groceries or Vacation. Each has an Available amount: what’s left to spend.

Ready to Assign

Money in your accounts that isn’t in an envelope yet. While there’s money to assign, it shows in the bar above the tabs.

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The routine

1

Money comes in

Your paycheck lands in Ready to Assign.
2

You assign it

Move it into envelopes until Ready to Assign reaches zero. Fund All Needs fills every envelope’s target in one tap.
3

You spend from envelopes

Log each purchase with the + button. It comes out of the envelope you choose.
4

You adjust

If an envelope runs out, it turns red. Move money in from another one.
Money you don’t spend stays in its envelope and carries over to next month.
New to envelope budgeting? The Glossary explains every word Bow uses on screen.