Budgetisto: Envelope Budgeting

Budgetisto is an envelope budget tracker, money manager, and monthly budget planner that helps you decide where your money goes before you spend it. Put income into virtual envelopes, check what is safe to spend, and move money when plans change. Your budget syncs in real time across phone, tablet, and web, whether you budget solo or share with a partner.

Envelope budgeting
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A basic expense tracker shows where money went. Budgetisto helps you decide where it should go.

• Allocate income to envelopes for groceries, rent, bills, dining out, savings, or any other category.
• Check what is available before you buy.
• Transfer funds between envelopes when plans change.
• Give every dollar a job with a zero-based budget.

Sync across devices
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• Use Budgetisto on your phone, tablet, or computer through the web app at my.budgetisto.app.
• Changes sync in real time across your devices.
• Invite a partner or family member with their Google account to share a household budget. You do not need to share passwords.

Budgeting features
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• Income allocation: Distribute paychecks with "Add budgeted," "Set budgeted," or a custom amount.
• Transactions: Use Budgetisto as a daily expense logger. Record purchases, split receipts across envelopes, and transfer money between envelopes or accounts.
• Goal and savings envelopes: Set a target savings amount and due date. Budgetisto shows your progress and the monthly amount needed.
• Envelope groups: Put related envelopes into collapsible groups with subtotals.
• Scheduled and recurring bills: Add repeating expenses and income on a daily, weekly, bi-weekly, monthly, or yearly schedule.
• Payee autocomplete: Budgetisto remembers the envelope and account used for each payee.
• Spending pace: See whether spending in an envelope is on pace for the month.
• Account and balance tracking: Track cash, checking, savings, and credit cards. You can also turn off accounts and use only envelopes.
• Reports and analytics: Review monthly spending by envelope and payee, compare months, and see income vs. expense charts.
• Privacy and export: Protect your financial data with PIN or biometric unlock on mobile. Export your full transaction history to CSV.

Solo and shared budgets
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• Personal budget: Keep your budget synced between your phone and computer.
• Digital envelope system: Replace physical cash envelopes with a digital zero-based system.
• Couples budgeting: Use Budgetisto as a couples finance app to manage joint household expenses and bills in real time.

Download Budgetisto on Android or use the web app at my.budgetisto.app.

Recent changes:
- Ability to delete the account & household
- Bugfixes