Apps with envelope budgeting

Local-first envelope budgeting you can self-host, with optional bank sync

FreeBudget is a free, simple budgeting app that tracks your spending, builds your budget, and monitors your net worth.

Shared expenses & split bills

Zero-based budgeting with real reconciliation, flexible planning, and bank sync.

Envelope budgeting for iPhone, iPad and Mac with fast manual entry, device sync and budget sharing

Private zero-based budgeting with no bank sync — plan by paycheck, review scanned receipts, and track prices you actually pay.

A complete budgeting app with forecast, multiple budgeting styles, goals, debt payoff BNPL plans, and scenarios, with a day-by-day forecast.

Envelope budgeting for iPhone: paycheck-based cycles, manually entered spending, and bill reminders.

Budgeting without the homework

Envelope budgeting with credit-card payment pools, bank sync, and one-click YNAB import

All in one personal financial dashboard self hosted, Windows only, lifetime license.

Envelope budgeting built for ADHD brains. Rules sort your transactions and paychecks fill your slices, so the budget runs without daily upkeep.

Budgeting around what is safe to spend after bills, goals and savings are set aside

Free daily credit scores and reports, plus budgeting, net worth and identity protection; a paid tier adds automatic bank sync.