A free envelope budget planner that stays on your device
Plan each month by giving your income a job, then log spending against envelopes to see what is left. Everything is saved in this browser only: no account, no bank connection, nothing uploaded.
How to budget with envelopes
- Start with income. Add what you expect to earn this month.
- Give every unit a job. Put amounts into envelopes until "left to assign" reaches zero. Savings is an envelope too.
- Log spending as it happens. Each purchase comes out of an envelope. Ten seconds at the till is enough.
- When an envelope runs dry, stop spending there, or move money from another envelope by changing the budgets. The total stays honest.
- Next month, your envelopes and amounts carry over as a starting point. Adjust and repeat.
A starting split
A common rule of thumb is 50/30/20: about half of take-home pay on needs, 30% on wants and 20% on savings and debt. Treat it as a first draft, not a rule; rent alone takes more than half of income in many cities.
| Group | Typical envelopes |
|---|---|
| Needs | Rent or mortgage, utilities, groceries, transport, insurance, phone |
| Wants | Eating out, entertainment, subscriptions, clothes, hobbies |
| Future | Emergency fund, savings goals, extra debt payments |
| Irregular | Gifts, car repairs, annual bills: budget a little each month |
Questions
Why no bank connection?
Typing each purchase is the point: it makes you notice spending, which is most of what a budget does. It also means no one else sees your accounts. Your data stays in this browser.
Can I see last month?
Yes. Use the arrows beside the month. Each month keeps its own budget and transactions.
How do I move it to another device?
Use Back up to save a file and Restore on the other device. Export CSV gives you a spreadsheet of transactions.
This tool helps you plan and track. It is not financial advice.