Envelope budgeting, since forever
Take Control of Your Money with Envelope Budgeting
The time-tested budgeting method that helps you spend intentionally, save more money, and eliminate financial stress. Free software — optional AI-powered Pro features.
Walkthrough
See Envelope Budget in Action
Watch the complete walkthrough and learn how to master envelope budgeting in minutes.
Why it works
Why Envelope Budgeting Works
Simple, visual, and proven to help you stick to your budget.
Visual Money Management
See exactly how much you have left in each spending category. No more guessing or overspending.
Automatic Tracking
Import transactions from your bank and automatically categorize them into your envelope system.
Build Savings Habits
Allocate money to savings goals and watch your emergency fund and dreams grow steadily.
Getting started
How It Works
Three steps, about two minutes.
Create Your Envelopes
Set up budget categories like Groceries, Entertainment, Rent, and Emergency Fund. Assign a monthly amount to each envelope.
Add Your Accounts
Add your checking, savings, and credit card accounts. Import transactions using QFX, OFX or CSV files.
Assign & Track
Assign each transaction to an envelope. Watch your spending patterns and stay within your budget limits effortlessly.
Features
Everything You Need
File Import
Import CSV and QFX files from your bank. Automatically detect and prevent duplicate transactions.
Envelope Transfers
Move money between envelopes when your spending priorities change during the month.
Secure & Private
Your financial data is encrypted and stored securely. We never share your information.
Works Everywhere
Access your budget from any device. Clean, responsive design that works on phone, tablet, or computer.
AI Merchant Description
ProCan't remember what a transaction was for? Let AI analyze the merchant name and tell you what you likely purchased. Available with the Pro subscription ($5/month).
Testimonials
What People Are Saying
These are not real users, Claude Code made them up.
"Finally, a budgeting method that actually works! I've saved more money in the past 6 months than I did in the previous 2 years."
"The envelope system made budgeting visual and intuitive. I always know exactly how much I can spend in each category."
Ready to Transform Your Finances?
Start your free account today and see the difference in just one month.