Budgetelo: Envelope Budget App

Budgetelo is an envelope budgeting app that helps you plan your money before you spend it. Every dollar of income gets a job, so you always know what's assigned, what's spent and what's left.

It's zero-based budgeting without the spreadsheet: a calm, simple way to plan your money.

HOW ENVELOPE BUDGETING WORKS IN BUDGETELO
• Add your income and see it in "To Allocate": money that is still waiting for a job this month.
• Give it a job: split it across categories (your envelopes) by hand, or in one tap with auto-allocate.
• Spend from your envelopes and watch what's left in each category update instantly.
• Plans changed? Move money between categories in seconds.

TARGETS AND SAVINGS GOALS
Set a target for every category, and colors show you at a glance what's on track, short of target or overspent.
• Monthly: resets every month, perfect for groceries, rent or bills.
• Every Year: resets once a year, for insurance, gifts or subscriptions paid yearly.
• Goal: save up by a date, once, like a trip or a new laptop.
For monthly and yearly targets, choose Carry Over (leftovers count toward the next target) or Set Aside Another (the full amount again each period, so the category grows, just like sinking funds).

FAST EXPENSE TRACKING
• Big keypad with quick pickers for category, account and payee.
• Live preview of what will be left in the category before you save.
• Swipe a category on the home screen to log an expense or income with that category already set.
• Undo right after saving, in case you tapped the wrong thing.
• Recurring transactions for rent, paycheck, salary and subscriptions.

ALWAYS AT HAND
• Home-screen widget with your balance and money to allocate, without opening the app.
• Cloud sync across your devices.
• App lock.
• Light and dark themes.
• Income vs Expense report.

PRIVATE BY DESIGN
• No bank connection: you enter transactions yourself, so you stay in control and aware of every purchase.
• AES-256 encryption, in transit and at rest.
• We never sell your data or share it with third parties.
• Secure cloud backup: reinstall, sign in and everything is where you left it.

FREE CORE APP, NO ADS
Budgets, accounts, transactions, categories, targets, recurring transactions, the widget and sync are free, with no limits and no ads.

BUDGETELO PREMIUM (OPTIONAL)
Monthly or yearly subscription for those who want more:
• Full analytics: expense breakdown, category and group detail, month comparison and top payees.
• Cloud backup and restore of budgets.
• Payment reminders per category.
• Every color palette, including a custom color picker.
Cancel anytime in App Store.

Available in English, German, Spanish, French, Italian, Japanese, Korean, Polish, Portuguese and Chinese.

Questions or ideas? Write to support@budgetelo.com.