Bank sync that actually reconciles
Connect through Plaid or SimpleFIN. Every pull compares the bank to your ledger, accounts for pending items, and shows a receipt-style breakdown of any difference.
New
Rebuilt from the ground up
Know what you can spend before you spend it.
EnvelopeBudget turns each paycheck into a plan. Give every dollar a job, pull in your bank, and see exactly what is left for groceries, gas, and fun. For one person or the whole household.
- No credit card
- $4/month after
- Web, iPhone & Android
Since 2009
Seventeen years of envelope budgeting, first as Inzolo, now EnvelopeBudget.
Indie built
No ads, no investors, no upsell tiers. One price, every feature.
Private by design
Your data is never sold or used for ads. Export or delete it any time.
Every device
Web, iPhone, iPad, and Android, sharing one budget in real time.
How it works
Three habits. One calm budget.
Envelope budgeting is the method people stick with because it answers one question fast: can I afford this right now? EnvelopeBudget makes the three habits behind it nearly automatic.
1
Give every dollar a job
When money lands, split it across envelopes from one screen. Saved paycheck plans fill the usual envelopes in a tap, and the live meter tells you when every dollar is assigned.
2
Spend from the envelope
Purchases arrive by bank sync, file import, or a quick tap on your phone, and each one comes out of its envelope. Imports wait in an inbox for a quick review, so nothing silently changes your plan. Amazon charges even show what you bought.
3
Match your bank, every time
Reconcile with a live preview before anything changes. If the numbers disagree, EnvelopeBudget points at the pending or uncleared transaction that explains the gap instead of leaving you to hunt.
30-second tour
Watch a paycheck get a job
Build my first budget
A guided setup builds your first real budget in about three minutes.
What's inside
A complete budget, not a pile of widgets.
The rebuilt app shipped a long list this fall. These are the pieces people tell us they can't go back from.
New
Debt Center
Your cards and loans become a snowball or avalanche plan with a debt-free date, payoff order, and what-if sliders. Built from the transactions you already track.
Bills before they land
Repeating bills and paychecks show on the calendar ahead of time, enter the register as pending, and clear themselves when the bank import arrives.
Share the budget, not your password
Family & Team gives everyone their own login. Pick viewer or editor per person, per budget. How sharing works
Reports that answer real questions
Spending by envelope, budget vs actual, income vs expense, net worth, and an account audit that catches drift.
Amazon orders, itemized
One click in the inbox matches each Amazon charge to its order and adds the item names. Undo is one click too.
Chrome extensionImport from YNAB or Actual Budget
Bring accounts, envelopes, full history, splits, and transfers with you. Balances rebuilt to match.
Switching guidesWorks with your AI assistant
An official MCP server and REST API with OAuth sign-in. Ask Claude or ChatGPT what's left in groceries.
MCP for AI assistantsiPhone · iPad · Android
Your envelopes, in your pocket.
Check an envelope in the checkout line, log a purchase in seconds, and see the same budget your partner sees on the web. The app is free to install and signs in with your EnvelopeBudget account.
- Log purchases offline; they sync when you're back online
- Face ID unlock on iPhone
- A guided first week: Budget Bootcamp gives you one small quest a day
- Reports, reconcile, and allocation, not just a read-only view
On a computer? Scan to install on your phone.
Already budgeting with us? Leave a review and help the next family find it.
From our users
People switch. Then they stay.
Excellent & Inexpensive!
I've been a YNAB user for over ten years, and I switched to EnvelopeBudget.com and couldn't be happier about it! It costs less than half the price, and at least for now there's a “pay once and own forever” option for less than the annual price of the competition.
It also does everything that YNAB does, but unlike YNAB, it doesn't think it's smarter than you are. I can do my monthly budget in a fraction of the time it took with YNAB.
“My husband and I have been using EnvelopeBudget for a while now and we both love it! It has been especially helpful in creating time to talk together about purchases and saving plans.”
“This feature is AMAZING! Identifying Amazon purchases is an epic pain. But this is tremendous. I absolutely love it.”
“The SimpleFIN sync status window is amazing. No other budget program has this level of transparency into what is happening with your bank sync.”
“Most budget apps have crappy reporting. EB's canned reports are a standout.”
Pricing
One price. Every feature.
No tiers, no “pro” unlocks, no per-seat fees for your family. Start with 34 free days and decide later.
- Bank sync
- Optional. Plaid add-on $3/mo or $30/yr (free in your trial), or SimpleFIN $1.50/mo paid to SimpleFIN. Manual entry and OFX/QFX import are always free.
- For comparison
- YNAB is $14.99/month or $109/year. See how EnvelopeBudget compares
Monthly
$4/mo
Flexible. Cancel anytime.
Most popular
Annual
$40/yr
Two months free. $3.33 a month.
Lifetime
$60 once
Founding offer, first 500 members.
Why we build this
Started at a kitchen table. Still run from one.
In 2009 Dustin built the first version to get his own family out of debt, one envelope at a time. Seventeen years later it is still a family business with the same deal: a fair price, your data left alone, and a tool that respects your time.
New to the method? Start with our plain-English guide to envelope budgeting . Comparing apps? Read about the best envelope budgeting apps , or see why people leave YNAB and Goodbudget .
Read our storyWhat is envelope budgeting?
Envelope budgeting means splitting the money you already have into named envelopes (groceries, rent, car repairs, vacation) before you spend it. When you buy something, it comes out of its envelope, so the balance you see is the amount you can still spend. EnvelopeBudget does this digitally, with bank sync and apps for every device.
Do I have to connect my bank?
No. Manual entry and OFX/QFX file imports are always included. If you want automatic imports, connect through Plaid ($3/month, free during your trial) or SimpleFIN ($1.50/month paid to SimpleFIN). Every bank pull is checked against your ledger, so your budget and your bank balance stay matched.
How does the free trial work?
You get 34 days with every feature and no credit card. After that it is $4 a month, $40 a year, or a one-time $60 lifetime membership while founding spots last. Cancel anytime and export everything.
Can my partner or family use it with me?
Yes. Family & Team gives each person their own login on one membership. You choose who can view or edit each budget, so a couple can share one plan while a teenager only sees their own.
Can I move my budget over from YNAB or Actual Budget?
Yes. Import a YNAB export or an Actual Budget ZIP and EnvelopeBudget rebuilds your accounts, envelopes, transactions, transfers, and balances. Switching guides cover Goodbudget, EveryDollar, and Mvelopes too.
Is my financial data private?
Your data is encrypted in transit and at rest, never sold, and never used for ads. Bank connections never give us your bank password. EnvelopeBudget is an independent company with no investors to answer to, and you can export or delete everything at any time.
Your next paycheck could have a plan.
Set up your first real budget in about three minutes. Free for 34 days, no credit card, cancel anytime.
