Upwardo: Envelope Budget

Upwardo is an envelope budget you run by hand, zero-based: every dollar gets a job. It never connects to your bank, and you don't need an account.

PLAN EACH PAYCHECK
Record the money that came in, then split it across your envelopes until Left to assign reads zero. What's left in an envelope, or what you overspent, carries into next month. Your budget month can start on any day, like the 25th. Works for cash stuffing and sinking funds: make an envelope for each goal.

SEE WHAT'S LEFT
Today shows each envelope's balance and what you can still spend before payday, after the bills you've scheduled.

LOG A PURCHASE
Type the amount and pick an envelope. With Plus, you can also fill the form from a receipt photo or by speaking. The text is read on your device, and nothing is saved until you confirm.

BUDGET WITH YOUR PARTNER (PLUS)
Pair a second phone by scanning a QR code. Your entries sync end-to-end encrypted across up to four devices. One subscription covers the whole budget.

SEE WHERE THE MONTH WENT (PLUS)
The monthly review sets each envelope's spending against its plan and against last month. It's worked out on your device.

YOUR LEDGER, YOUR RULES
• No bank login, no account, no email address.
• Works offline. The ledger lives on your devices.
• Export a full CSV backup and restore it whenever you like, free.
• Moving from YNAB? Import your YNAB export and keep your history, free.
• If you stop paying, your history stays open. Only sync, sharing and the monthly review pause.

FREE AND PLUS
Free, on one device: unlimited envelopes, manual entry, rollover, scheduled bills, custom month start, CSV export and restore, YNAB import.
Plus adds sync and partner sharing, receipt and voice fill, the monthly review and home screen widgets.

Plus is a yearly or monthly subscription. The yearly plan starts with a 7-day free trial, and Upwardo reminds you on the device a day before the trial ends. Payment is charged to your Google Play account when you confirm the purchase. A subscription renews automatically unless you turn it off at least 24 hours before the current period ends. Manage or cancel it in Google Play subscriptions.

Terms of Use: https://upwardo.app/terms
Privacy Policy: https://upwardo.app/privacy

Recent changes:
First release.