Working draft

What we are building next

A public look at the improvements currently being validated, built, or explored for EnvelopeBudget.

Target dates are estimates, not promises. Priorities may move when testing, app-store review, security work, or customer feedback uncovers something more important.

Shipped

Recently delivered and available now.

Shipped September 30, 2026 Live

Repeating transactions

Bills, paychecks, and transfers that repeat weekly, every N weeks, monthly, twice a month, or yearly. Each occurrence shows on the calendar ahead of time, lands in the register as a pending transaction a few days before it is due, and is taken over by the matching bank import.

Read the announcement
Shipped September 30, 2026 Live

Transaction calendar

View income, expenses, transfers, and upcoming repeating transactions on a calendar, then open a day to review its transactions.

See it with repeating transactions
Shipped September 30, 2026 Live

Debt Center

Debt snowball, avalanche, and custom payoff plans built on the accounts already in your budget: payoff projections and what-ifs, a credit cards vs loans breakdown, month-by-month history, a printable progress poster with milestones, and read-only MCP tools for AI assistants.

Read the announcement
August 2026 Live

EnvelopeBudget MCP v1.2

Connect compatible AI assistants through an official Registry-listed remote MCP server. Fourteen bounded tools are read-only by default; separate key permissions can resolve provider suggestions or categorize recently reviewed inbox transactions with signed stale-state checks, idempotency, durable attribution, and Undo.

Explore EnvelopeBudget MCP

Now

Actively being prepared or validated.

September 2026 In validation

Official iPhone and iPad App Store release

Complete App Store review fixes, final sign-in validation, store metadata, and production release checks.

September 2026 Release prep

Official Google Play release

Move the signed Android beta from direct download into a normal Google Play installation and update path.

Next

Defined work expected after the store releases.

October 2026 In progress

Open-source self-hosting release

Finish the reviewed self-hosting package, deployment documentation, security boundaries, and public release process.

December 2026 Planned

EnvelopeBudget command-line client

Add a first-party CLI for terminal workflows and scripts, building on the authenticated API and the MCP server that is already live.

December 2026 In progress

Tracking and off-budget accounts

Track assets and liabilities that belong in net worth without letting their activity alter envelope balances.

Later

Important work that still needs deeper implementation or infrastructure decisions.

Q1 2027 Planned

Budget alerts and weekly summaries

Optional notifications for overspending, low balances, and a concise weekly spending summary.

Q1 2027 Research

Background mobile refresh

Refresh connected data while the app is backgrounded, with battery-conscious scheduling and useful status indicators.

First half of 2027 Research

Passkey sign-in on mobile

Extend the passkey sign-in already available on the web to iPhone and Android using their native credential managers.

First half of 2027 Research

OAuth for MCP clients

Explore OAuth 2.1 authorization for clients that cannot attach a dedicated static API key, while preserving explicit budget and write-scope consent.

First half of 2027 Exploration

Richer Family/Team roles

Explore additional member roles and family ownership controls beyond today's owner-and-member model.

The roadmap starts with what already works

See the complete current feature set, or review the steady stream of improvements already shipped.