Envelope Budget: Cash Envelope

Envelope Budget is the classic cash envelope method on your phone: give every paycheck a job, spend from envelopes, and always know exactly what is left. It works offline, needs no account and keeps your money data on your device. Envelope Budget is a record book only: it does not hold or move money and is not connected to any bank.

WHY ANOTHER ENVELOPE BUDGET APP? Because the numbers must add up. Every balance is worked out from your own entries, so your envelopes and your transactions can never disagree. The home screen shows it plainly: cash on hand equals To Be Budgeted plus what sits in your envelopes.

KEY FEATURES
• Envelopes as cards: name, colour, icon and a monthly budget, with a bar that shows how full each envelope still is
• Fill on payday: enter your paycheck and tap Fill to budget to top up every envelope in your priority order, or type the amounts yourself
• To Be Budgeted: the money that does not have a job yet, always in sight, with a clear warning if you budget more than you have
• Spend, refund and move money between envelopes in a few taps
• Rollover rules per envelope: carry over, reset each month, or sweep leftovers into savings
• Month close report: what came in, what went into each envelope, what was spent and what rolled over, with a budget-versus-spent chart
• Closed months are locked so last month's numbers stop changing, and you can reopen the latest one
• Date-grouped transaction timeline with filters by envelope and type
• Decimal entry done right: works with commas or dots, and with currencies that have no cents (yen, won) or three decimals (dinar)
• 152 currencies and 12 languages, including Arabic and Urdu
• Export to CSV or PDF, and back up everything to a file you keep

CASH STUFFING, SINKING FUNDS, ZERO-BASED BUDGETS Use it alongside real cash envelopes, or instead of them. Set up sinking funds for holidays, car repairs or gifts, and sweep what is left each month into savings. Every unit of money gets a job.

PRIVATE BY DESIGN No sign-up, no bank linking, no cloud. Your envelopes and transactions stay on your phone. Back up to a file whenever you want and restore it on a new phone.

FREE AND PREMIUM The free version includes 8 envelopes, unlimited transactions, rollover rules, month close reports, export and backup. Watch a short ad to unlock one more envelope any time. Premium unlocks unlimited envelopes and removes ads: pay once with the lifetime plan, or choose a low monthly or yearly plan.

Envelope Budget is a personal record-keeping tool. It does not hold, transfer or manage money, is not a bank, and does not provide financial advice.