Get it

Stop guessing
what's safe to spend.

Reserve for bills, expenses, and savings goals — then see exactly what's left to spend, from every paycheck.

Works offline No account One-time purchase
$

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Where your money needs to go — not where it went

Envelope Budget helps you reserve money for upcoming expenses and savings goals before they become problems. Instead of tracking spending after the fact, it works forward from your paycheck.

$1,200 insurance bill in 6 months? It tells you exactly how much to set aside each paycheck, so it's covered when it lands. Every future expense, automatically broken down per paycheck.
Bills & subscriptions Insurance renewals Annual expenses Savings goals Sinking funds

How it works

1

Enter your paycheck

Weekly, biweekly, or monthly — it adapts to your pay cycle.

2

Reserve for what's coming

Envelopes for bills and future costs, plus savings goals with safe contribution limits.

3

See what's safe to spend

The leftover after everything's covered — updated live as you plan.

Everything included

Future expense allocation, broken down per paycheck
Reserve envelopes (sinking funds)
Savings goal planning with safe contribution limits
Safe-to-spend calculation for every paycheck
Weekly, biweekly & monthly pay cycles
100% local — no account, no bank connections
Export & import your data anytime (JSON backup)
Runs in any browser — add it to your home screen
Your money is nobody's business but yours

Your financial data never leaves your device. No bank logins. No accounts. No monthly fees.

Local device storage No bank connections One-time purchase, yours to keep

Details

Product type Personal finance / budgeting tool
Platform Web (PWA) — runs in any browser
Compatible with iPhone, iPad, Android, Mac, Windows
Install to home screen Yes
Works offline Yes (after activation)
Safe-to-spend calculation Yes
Future expense planning Yes
Savings goals Yes
Income cadences Weekly, biweekly, monthly
Backup & restore Yes (JSON export/import)
Data storage Local device only
Bank connections None
Account required No
Activation One-time license key
Subscription No
Updates Free & automatic

Know exactly what's safe to spend

Made for people who get paid on a schedule, want to dodge surprise expenses, save toward real goals, and prefer a simple tool over bloated finance software.

$

Leave blank to choose your price at checkout

7-day money-back guarantee