How it works
The envelope method, without the paper.
Add your money
Enter your account balances. Everything you have is ready to be given a job.
Fill your envelopes
Rent, groceries, fun, savings. Set a monthly amount for each and fill them in one click.
Spend from an envelope
Log spending against an envelope and see exactly what is left. Overspent? Move money across.
Built for real budgets
Everything you need, nothing sent anywhere.
Cash forecast
See your balance day by day for up to two years, built from your recurring bills and income, with your lowest point highlighted.
Recurring bills
Weekly, fortnightly, monthly or yearly. Confirm each one when it is due, or skip it.
Bank CSV import
Load a statement, map the columns, and duplicates are skipped. The file is read in your browser only.
Split transactions
Spread one shop across groceries, household and fun.
Savings goals
Set a target and a date and Envelopic works out the monthly amount.
Month-end rules
Leftovers can stay, return to your pool, or sweep into a reserve.
Printable cash envelopes
Print labels and a running-balance tracker for the money you keep in cash.
Undo and redo
Every change can be undone, and daily snapshots are kept in your browser.
Private by design
- Your budget is stored only in your browser. There is no account and no server holding your figures.
- Nothing is uploaded, not even a bank CSV. It is read on your device.
- Export a backup file any time, and restore it on another device.
- Because data lives in one browser, clearing that browser's site data removes it. Export a backup now and then.
Questions
What is envelope budgeting?
You divide your money into named envelopes such as rent, groceries and fun. Every unit of money goes into an envelope and spending comes out of it, so you always know what is left for each purpose.
Where is my data stored?
Only in your own browser. Envelopic has no accounts and no server for your budget. Export a backup file to move to another device.
Is it free?
Yes. It runs in your browser with no sign-up.
Can it connect to my bank?
No. Import a CSV statement from your bank instead. Nothing is connected or shared.
Is this financial advice?
No. Envelopic is a planning tool. It does not give financial advice, and forecasts are estimates based on what you enter.
Ready when you are
It takes about a minute to set up.
Open Envelopic