Budgeting apps want an account, bank logins and your data on their servers. Envelope budgeters, often juggling currencies, just need goals, envelopes and fast logging.
Key decisions
01
Local-first, private by default
Everything stays on the device unless you choose cloud sync, a paid plan with an account.
Local first over cloud first, for financial and data privacy.
02
Income splits into envelopes
Each paycheck divides by percentage into envelopes, while banks and cards still hold the real money.
03
Two currencies, one budget
Earn in dollars, spend in pesos: type a price in either and the app converts at a rate you can edit.
04
Three steps to value
Currency, goal, accounts. The last step shows exactly how your income will divide.
More screens
The menu · an envelope's history · reports per currency, never mixed
