Envelope Budget: Cash Planner

Budget Envelope Tracker brings the classic cash-envelope method to your phone — give every bit of your income a job, spend only from your envelopes, and watch your money behave. Completely offline and private: no bank connection, no sign-up, nothing leaves your device.

HOW ENVELOPE BUDGETING WORKS

Instead of one blurry balance, you split each pay cycle into envelopes — Groceries, Transport, Bills, Savings, Fun and a Buffer. You fill each envelope at the start of the cycle and spend from it until it's empty. Simple, visual, and it actually keeps your spending honest.

ZERO-BASED ALLOCATION

Enter your income and let the app assign it to your envelopes until there's nothing left unallocated — the goal is zero. A live meter shows exactly how much is still waiting for a job, so you never lose track of a single dollar.

SMART PER-ENVELOPE RULES

Each envelope can behave differently at the end of a cycle:
- Reset: starts fresh every cycle (great for groceries and fun).
- Rollover: carries leftover money forward (great for irregular bills).
- Sinking fund: quietly grows toward a big goal and shows the percentage filled (great for an emergency fund or a trip).

SAFE TO SPEND TODAY

For reset envelopes the app paces what's left across the days remaining in your cycle, so you always know a safe amount to spend today — and a clear signal when you're ahead or overspending.

EVERYTHING ELSE

- Weekly, biweekly or monthly cycles.
- Quick expense entry and move-money between envelopes in a tap.
- Close a cycle and the app rolls balances forward automatically and archives a summary.
- Cycle history and a where-it-went breakdown.
- Export any cycle to CSV to share or keep.
- Choose your currency symbol. Beautiful light and dark themes.

PRIVATE BY DESIGN

Your money is nobody else's business. There's no account, no cloud, and no bank linking — your numbers stay on this phone and the app works fully offline.

Budget Envelope Tracker is a calm, focused way to plan the money you already have and finally stick to a budget.