Envelopes
Envelope budgeting, modernized
Envelopes combines envelope budgeting with full visibility over your accounts, loans, recurring income and expenses, and saving goals — in one place, for every currency.
Groceries
210 / 300
Transport
48 / 120
Savings goal
1,700 / 2,000
Traditional budgeting often fails because money sits in an account with no clear purpose. Envelope budgeting assigns every amount — in any currency — to a named envelope before you spend it. When the envelope is empty, spending stops. No guesswork, no surprise overdrafts.
See how it works in detail →Accounts & currencies
Track multiple accounts in any currency. Every amount shows in its native currency with a conversion to your base alongside.
Envelopes & goals
Divide income into weekly spending envelopes and long-term saving goals, with progress tracked automatically.
Income, expenses & loans
Model recurring income and expenses, and full loan amortisation schedules with interest-vs-principal breakdowns.
Planning & forecasting
See months ahead: projected income, spending, goals and loan payments — plus category analytics and a balance audit.
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Continue with GoogleFree to use. Your financial data is private to your account.
© 2026 Alex Bezpalko · Envelopes