Bow is an envelope budget for iPhone with no account and no server. Your budget lives on your iPhone and in your own iCloud. Split your money into envelopes before you spend it, then log purchases with Siri, a receipt scan or your bank’s notifications, so bank linking is optional. New in 2.1: share a Klarna, Affirm or Afterpay screenshot and Bow schedules every payment, plus support for iPhone Duo. Switching from YNAB? Bow imports your budget, envelope balances included.