Budget Envelopes Spend Tracker

Give every dollar a job. Create wallets for groceries, bills, fun and savings — then watch your spending stay on track without the guesswork.

Budget Envelopes is a simple, deliberate way to plan your money using the classic envelope method — now on your phone. Create virtual wallets for anything you spend on (groceries, rent, petrol, date night, savings) and allocate your income across them. Every time you spend, log it against the right wallet and see exactly what you have left.

No bank connections. No cryptic charts. No guessing where your money went. Just you, your wallets, and a budget that actually works because you built it.

WHY ENVELOPE BUDGETING WORKS

The envelope method (sometimes called cash stuffing or zero-based budgeting) has helped people take control of their money for decades. The idea is simple: decide what every dollar is for BEFORE you spend it, not after. When a wallet runs low, you know it's time to slow down — no surprises at the end of the month.

Budget Envelopes brings that discipline to your pocket, without the physical cash.

WHAT YOU CAN DO

• CREATE WALLETS for anything — groceries, rent, subscriptions, savings goals, fun money
• CHOOSE YOUR PERIOD — budget weekly, monthly or yearly depending on the wallet
• ROLL OVER unspent budget into the next period, per wallet
• ORGANISE WITH CATEGORIES to tag transactions and see where money goes
• TRACK EVERY EXPENSE manually, so you stay intentional about what you spend
• SEE DAILY PACE on each wallet — your remaining daily allowance for the rest of the period
• NAVIGATE PAST & FUTURE periods to plan ahead or review where you've been
• SET RECURRING EXPENSES for bills that hit the same amount every cycle
• VIEW A PERIOD SUMMARY that aggregates what's budgeted and spent across all wallets

BUILT FOR PEOPLE WHO WANT CONTROL

Budget Envelopes is manual on purpose. Automated apps that sync your bank can show you what happened — but they can't tell you what SHOULD happen. The act of logging an expense yourself is what makes envelope budgeting work. It keeps you present with your money.

If you've tried auto-tracking apps and still felt out of control, this is for you.

SHARED WALLETS FOR COUPLES & FAMILIES

Sync a wallet with your partner, flatmate or family and keep one shared budget in real time. Everyone sees the same numbers — no more "wait, did you already buy groceries this week?"

MAGIC IMPORT

Snap a receipt, upload a CSV, or drop in a bank statement PDF and let Budget Envelopes pull out the line items and totals for you. All the discipline of manual tracking, none of the typing.

PRIVATE BY DEFAULT

We don't connect to your bank. We don't sell your data. Your budget is yours.

SUBSCRIPTION DETAILS

Budget Envelopes offers a 7-day free trial. After the trial, continued access requires a subscription. Shared wallets and Magic Import are subscriber-only features. Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current period. You can manage or cancel anytime in your Apple ID account settings.

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Questions or feedback? We'd love to hear from you: support@dimmple.com