Envelop brings envelope budgeting to your desktop. Divide your income, track your spending, stay in control — entirely offline.
Envelope budgeting is one of the oldest and most effective personal finance methods. You divide your income into named categories before you spend it. When an envelope is empty, you stop — or consciously move money from somewhere else.
.envelop file. Back it up anywhere. Open it in any text editor. No one else can see it — and with password protection, no one else can open it either.Built for people who want to understand their money — not learn a new app.
Every envelope shows funding progress and spending progress side by side. Know what's allocated and what's left — at a glance.
Move funds between envelopes in one click. Cover overspending by choosing a source — the amount pre-fills automatically.
On-budget cards auto-move funds to a payment envelope as you spend. Always know what you owe and what's covered.
One Walmart run can hit groceries, clothing, and school supplies all at once. Split any transaction across as many envelopes as needed.
Income vs. spending, net worth over time, spending by envelope. Five report cards across any time period — 3M, 6M, 1Y, YTD, or by year.
Set a password and your budget is encrypted end-to-end. Without your password, the file cannot be opened by any application.
No account. No setup. Just download and open.
Latest release: v1.0.0 · All releases