Envelopes: My Budget

Envelope budgeting: plan the month, track spending, sync without an account

Envelopes is a personal finance app built on envelope budgeting - the method behind YNAB. The idea is simple: at the start of the month you give every euro, dollar or hryvnia a job, and from then on you spend from a specific envelope instead of from a vague total.

NO ACCOUNT, NO SERVER
Your data lives on the device in a plain SQLite file. There is no sign-up, the app has no backend of its own, and there are no ads or trackers.

FEATURES
• Monthly budget: planned, actual, remaining. Overspending and categories running out early are flagged before the month ends.
• Category targets: monthly amount, save by a date, or keep a balance - plus one-tap allocation of the money you have left.
• Accounts: cash, bank, credit cards, loans and off-budget tracking accounts. Each account has its own currency and decimal places, crypto included.
• Credit cards the envelope way: a card purchase immediately sets aside money to pay it off.
• Transfers between accounts, with an exchange rate when currencies differ.
• Transactions: splits, payees, memos, flags, receipt photos, reconciliation, bulk edits, search and filters.
• Quick entry: by voice or from a home screen widget.
• Scheduled payments with reminders. A due payment can be confirmed, moved, or entered on any other day without touching the schedule.
• Reports: where the money went, spending trend with average and trend lines, income breakdown, income-and-expense table by month, top payees, net worth and credit card debt.
• Age of Money - how old your money is by the time you spend it.
• Several independent budgets, each with its own currency.
• Moving from YNAB: import a YNAB 4 file (.y4backup) or a web YNAB export - accounts, categories, payees and transactions come across in full.
• Make it yours: seven styles (Classic, Neon, Aurora, Acid, Candy, Marshmallow, Graphite) on top of the light and dark themes, three corner shapes and seven typefaces for the whole interface.
• Dark theme, a "hide amounts" mode for prying eyes, a palette for red-green colour blindness, CSV export.

SYNC THROUGH YOUR OWN STORAGE
Google Drive, Dropbox or WebDAV - your account, your files. Two devices on the same network can also sync directly over Wi-Fi, without the internet at all - scan a QR code instead of typing the other device’s address.

BACKUPS
Manual and automatic copies to the device, to a file, or to the cloud. Cloud copies can be protected with a password (AES-GCM).

SECURITY
PIN code and fingerprint unlock.

LANGUAGES
Twelve interface languages: English, Russian, German, French, Spanish, Italian, Ukrainian, Polish, Portuguese (Brazil and Portugal), Dutch and Turkish. Number and date formats are configurable independently of the language.