Envelope Budget

Envelope budget planner for the way cash envelope budgeting has always worked: when money comes in, you split it into envelopes, one for each job, and you spend from the envelope, not from a vague total. Rent, groceries, fuel, a holiday fund. The home screen is the envelope grid itself, each card with a fill bar that shows what is left against the plan.

Built for a zero based budget. Add your pay, tap Fill by plan, and every envelope gets its planned amount until To assign reaches zero. Money never appears or disappears: the app moves it from To assign into envelopes, between envelopes, and out as purchases, in whole cents, so the totals always agree.

Log a purchase in about five seconds. Long-press the app icon, tap Log a purchase, type the amount, Save. The envelope you used last is already picked and places you have paid before are suggested as you type.

Budget the way you are paid: weekly, every two weeks or monthly from any start day. Choose for each envelope whether leftovers carry over to the next period or it starts fresh. An overspent envelope turns red and says so in words; with carry-over on, the overspend follows it into the next period.

Recurring transactions such as rent and paydays post themselves on their date, exactly once, even if the phone was off. Accounts (cash, bank, card) are optional tags, and reconcile lets you type the real balance and record the difference as its own transaction. The period review shows planned against spent for every envelope, where the money went, and how this period compares with the last.

No cloud sync, on purpose. Your budget never leaves this phone unless you send a file yourself. To budget as a couple, share the budget file from the app and your partner imports it on their phone. There is no account and no sign-in, no bank linking and no SMS reading. There are no ads. You can export all your data at any time, and Delete all data really deletes it.

Free: 10 envelopes, one budget and three months of history, with no limit on logging purchases. Envelope Budget Pro unlocks unlimited envelopes and budgets, full history, recurring transactions, reconcile, the period review, spreadsheet export, full backup restore and an app lock. Pro is a one-time purchase or a yearly plan; if the yearly plan ends, everything you entered stays.

Envelope Budget is a budgeting record-keeping tool. It does not give financial advice and offers no loans, credit, banking, payments, investments or crypto.

Recent changes:
First release. Split your pay into envelopes and see what is left in each at a glance. Fill every envelope by plan in one tap, log a purchase in seconds from the home-screen shortcut, and choose per envelope whether leftovers carry over. Weekly, bi-weekly or monthly budgets. Share a budget file with a partner. No account, no ads, and your budget stays on your phone.