How can we help?

Envelope budgeting is a method where you divide your income into named categories ("envelopes") before you spend it. Each envelope has a set amount. When an envelope is empty, you either stop spending in that category or move money from another envelope. It's one of the most effective ways to stay on budget because you know exactly what you have left in each area of spending before you spend it.

No. Foldz has no accounts, no sign-up, and no login. Open the app and start budgeting. Your data is stored on your device — not in any cloud service.

No. Foldz is fully manual. You enter your income and spending yourself. There is no bank connection, no Plaid integration, and no access to any financial account. This is intentional — your financial data stays completely off any external server.

When you first open Foldz, a short onboarding guide walks you through the basics: choose your budget period, add your income, create envelopes for your spending categories (Groceries, Transport, Dining Out, etc.), and assign your money across them. Tap any envelope to log spending as you go.

"Ready to Assign" is the amount of income you've added that hasn't yet been assigned to an envelope. The goal is to get this to zero — every dollar should have a job. If it's negative, you've assigned more than you have and need to reduce some envelope amounts.

Foldz tracks your budget in periods — either monthly, weekly, or bi-weekly (Premium). At the start of each new period, your envelope spending resets to zero. Your envelope budgets stay the same, so you just add your new income and you're ready to go. You can navigate back to past periods to review your spending history using the arrows in the main header.

Yes. Swipe left on any envelope to access options, or tap into the envelope detail view. You can edit the budgeted amount for any envelope at any time. Adjusting one envelope reduces or increases your "Ready to Assign" balance accordingly.

Your historical spending is preserved and accessible by navigating to past periods. The reset just means your spending tracker starts fresh for the new period — your envelope budgets and income records carry forward.

Yes, with Foldz Premium. The CSV Export feature (found in Settings) lets you export all transactions for the current period to a spreadsheet file that you can open in Excel, Numbers, or Google Sheets.

Nothing. Foldz collects no personal data, no usage analytics, no crash reports, and no device identifiers. All your data is stored locally on your iPhone only and never transmitted to any server. See the full Privacy Policy for details.

Foldz itself does not back up your data to any server. However, if you have iCloud Backup or local iTunes/Finder backup enabled on your iPhone, iOS will include Foldz data in that backup automatically. We recommend keeping backups enabled for this reason. If you delete the app without a backup, your data will be lost.

Deleting Foldz removes all your local data from the device. Since we store nothing on our servers, we cannot recover it. If you have an iCloud or device backup from before deletion, restoring from that backup will recover your data. If you're reinstalling, restore your device from a backup first.

Foldz Premium unlocks: weekly and bi-weekly budget periods, the ability to set a custom week start day (Monday or Sunday), and CSV export of your transactions. Everything in the free tier remains available.

Subscriptions are managed through Apple, not through Foldz. To cancel:

On iPhone: Settings → [Your Name] → Subscriptions → Foldz → Cancel Subscription

Or visit apps.apple.com/account/subscriptions. Cancellation takes effect at the end of the current billing period — you keep Premium access until then.

Open Foldz on your new device, go to Settings (gear icon), and tap "Restore Purchases." Make sure you're signed in with the same Apple ID you used to purchase Premium. Your subscription will be recognised automatically.

Refunds for in-app purchases are handled by Apple, not by us. To request a refund, visit reportaproblem.apple.com and sign in with your Apple ID. Apple's standard refund policies apply.

Yes. The core Foldz experience — unlimited envelopes, monthly budgeting, and income tracking — is free and will remain free. We won't remove or degrade the free tier to force upgrades.

Please try: (1) Force-close and reopen the app. (2) Check if an app update is available in the App Store. (3) Restart your iPhone. If the issue persists, email us at hello@sparkbytdigital.com with your iOS version and a description of what you were doing when it happened.

Go to Settings in Foldz and tap "Restore Purchases." This re-validates your purchase with Apple and should unlock Premium features. If it still doesn't work, contact us with your Apple ID email and purchase date.

We'd love to hear it. Email hello@sparkbytdigital.com with your idea. As a small team we can't commit to timelines, but genuine user feedback directly shapes what we build next.