Envelope Budget: Offline

Plan your money before you spend it. Envelope Budget puts the classic cash-envelope method on your phone: split your income into envelopes such as Rent, Groceries and Fun, spend from them, and always know what is left in each one. It is zero-based budgeting without the spreadsheet.

It works offline, with no sign-up and no bank link. You enter what comes in and what goes out, and your budget stays on your phone.

HOW IT WORKS
• Left to assign: one number on the home screen shows this month's income plus last month's unassigned money, minus what you have already put into envelopes. Bring it to zero and your whole income has a plan.
• Envelope grid, grouped by category: each envelope shows what is left in large type and a bar that drains as you spend. An overspent envelope is labelled "Over", not just coloured red.
• Tap an envelope to assign more, move money to another envelope, spend from it, or see its history for the month.
• Rollover: carry leftover money or overspending into next month, switched on or off for each envelope.
• Alerts when an envelope is running low or goes over.
• Start a new month by copying last month's amounts or by using your 3-month average.
• Switch months from the title bar. The Transactions tab and reports show where the money went.
• Safe to spend today: what you can spend today from the envelopes you count in, spread over the days until payday or month end. Leave rent and bills out.
• Overspent? Tap Cover to bring an envelope back to zero from Left to assign or from envelopes with spare money. You see the plan first.
• Spending by month in each envelope, and an "Up to usual spend" shortcut when you assign.
• Split what is left like your last plan. Undo after every assign, move, new month, split and cover.

FREE
• Unlimited envelopes
• Assign, move and spend from envelopes
• Rollover, plus low and overspent alerts
• Up to 5 accounts: cash, bank, card, e-wallet
• Backup to a file you choose, PIN lock
• Cover overspending one envelope at a time, Safe to spend today, spending by month for 3 months, split what is left
• Recurring transactions, CSV export and import, a daily reminder and a quick-add widget

PRO
• Envelope targets: a set amount every month, or a total by a date, plus a new-month option that fills envelopes by their targets
• Auto-assign templates: split a paycheck across all your envelopes in one tap
• Cover all overspending in one go
• Spending by month for 12 months in each envelope
• Paycheck split that fills targets first
• PDF budget report
• Receipt photos on transactions
• More than 5 accounts
• Accounts in other currencies, with your own exchange rates
• AMOLED black theme
• Automatic backups and an optional backup password
• No ads

Get Pro with a one-time purchase that you keep for good, or with a monthly or 3-month plan you can cancel anytime in Google Play. Each option unlocks the same features.

Want to try a Pro feature first? You get 5 credits at install. Spending credits opens that feature for 24 hours, and each optional reward video you decide to watch adds 1 credit, up to 5 videos a day.

YOUR DATA
Envelopes, accounts and transactions are saved on your phone and are not synced to any server. There is no account to create. Back up to a file you control, then restore it on a new phone when you switch.
Anonymous usage and crash statistics are sent through Firebase Analytics and Crashlytics, and you can turn them off in Settings. Google Play handles purchases. Unless you have Pro, the app shows ads from Unity Ads: a banner above the tab bar and, now and then, a full-screen video when you open a free tool from the More tab (at most one every few minutes). Optional reward videos earn credits and play only when you tap to watch. Unity Ads may use your device's advertising ID. Pro removes all ads. Messages you send from Contact us in Settings go to FightTech with basic device details so we can reply.

Recent changes:
Fixed a crash when an ad opened on Android 6.