Envelope Lite

Privacy-first envelope budgeting. Log an expense in seconds, see exactly where your money goes. 100% on-device. Free, ad-supported.

Take control of your money with Envelope Lite - a simple, privacy-first budget tracker. Divide your income into different envelopes, log expenses in seconds, and see exactly where your money goes. Local-first - your financial data stays on your device. Ad-supported with consent controls.

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 color-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, GrabPay, 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