Introduction

What envelope budgeting is, how Pentos models your money, and what it means that the app never reaches the network.

Pentos is an envelope budgeter for iPhone. You split the money you have into envelopes, one for each thing you spend on, and each envelope tells you what you can still spend.

This section explains the model the app is built on. Everything else in this documentation assumes it, so it is worth the ten minutes.

Envelope budgeting The budgeting method Pentos implements, and why it only deals in money you already have. Accounts, envelopes, and To Budget The three things Pentos tracks, and how money moves between them. Envelope mode and tracking mode The two budgeting methods a Pentos budget file can use, and how they differ. Privacy and where your data lives Pentos makes no network connections, so your budget stays on your iPhone and getting it out is your job.