Envelope Lite

Take control of your money with Envelope Lite - a simple, privacy-first budget tracker that uses the proven envelope method to help you manage your spending.

How it works:
Divide your monthly income into different budget envelopes - Food & Dining, Bills & Utilities, Family & Personal, Savings Fund, and Emergency/Debt. Every time you spend money, log it in the right envelope. See instantly how much you have left.

Key Features:
- Envelope Budgeting - different budget envelopes with adjustable amounts. See spent vs budget at a glance with colour-coded progress bars.
- Quick Expense Logging - Built-in calculator with quick keys for fast amount entry. Log an expense in under 15 seconds.
- Sub-Categories - Classify expenses within each envelope (e.g., Breakfast, Lunch, Dinner under Food & Dining) for detailed spending insights.
- Payment Tracking - Record how you paid: Cash, Bank Account, E-wallet (Momo, ZaloPay, VNPay), or Card (Credit, Debit, Prepaid).
- Discount & Voucher Tracking - Record original price and discount separately. Know what you actually paid vs what you saved.
- Spending Reports - Visual reports with charts showing budget vs actual, spending by category, and payment source breakdown.
- Smart Reminders - Daily notification that adapts to your activity. Already logged your expenses? The reminder stays quiet.
- Tags - Add freeform tags like store names or people for quick context on any transaction.
- Local-First - All your financial data stays on your device. No account required. No cloud sync. The app works fully offline once installed.

Privacy First:
Your financial data never leaves your device - no transactions, budgets, or notes are uploaded anywhere. Envelope Lite is ad-supported (Google AdMob); you can choose personalised or non-personalised ads at first launch and change your mind any time in Settings -> Privacy & Data. See the privacy policy for what AdMob handles.

Designed for daily use:
The app is built around one habit: spend money, open app, log expense, close app. Everything is optimised for this 15-second daily action.

Perfect for:
- Anyone starting their budgeting journey
- People who prefer cash-based or envelope-style budgeting
- Users who value privacy and want no cloud dependency
- Southeast Asian markets with VND-optimised amount input