CLUSTER BUDGETING-ENVELOPE-SAVINGS · 14 ENTRIES · EARLIEST ENTRY 2021-11-24
Envelope budgeting apps
This cluster consists of envelope budgeting apps that allocate income into virtual envelopes for spending, savings, and debt, with features like offline tracking, charts, and shared household budgets. Entries appeared sporadically from November 2025 to July 2026, with one entry in each of five months, but no clear trend is evident. All three products show zero activity signal, so no traction leader emerges.
Entry timeline
ENTRY TIMELINE
Each bar is the month a member carries, which is a creation date where the source published one and a crawl date otherwise. Nothing in the index was found before 11 August 2026, and coverage broadened sharply on 14–15 August, so a bar from then on reports how much we found that month, not how much was built; an earlier bar reports how far back a member's own source dated it — not how long we have been watching.
Members by activity
Activity signals, not revenue.
Build origin · 1 hand-coded · 13 unlabelled
Operator · 2 hobby · 1 indie · 3 commercial · 8 unlabelled
Two labels per entry, never collapsed into one: how it was built, and who stands behind it. Counted over the 14 listed below. Unlabelled means nothing has decided yet — not that the answer is small.
- 01pocket-envelopes2★17 days—Local-first envelope budgeting app that forecasts how much you can safely spend from your income and expenses.
- 02Envelope Budget App: Wallyo0★2 moliveA budgeting app that automatically splits income into 50/30/20 categories or custom envelopes and tracks spending against each in real time.
- 03sarfa-app.github.io0★10 dayslivehobbyWeb app for envelope budgeting that divides income into spending categories and tracks balances.
- 04iBudgetAll: Budget Planner0★1 moliveEnvelope budgeting app that divides income into virtual envelopes for spending categories, supports shared household budgets, and tracks savings goals.
- 05Simple Budget Envelopes0★27 dayslivecommercialSimple budgeting app that uses envelopes to track how much money remains in each budget category by adding or subtracting amounts.
- 06Envy: Envelope Budget Planner0★1 molivecommercialMobile app that digitizes the cash envelope budgeting system, letting users create unlimited spending envelopes synced via iCloud without accounts, for personal budgeting.
- 07Envelopes — The Budgeting App0★3 moliveEnvelope budgeting app that divides money into envelopes for bills, spending, savings, and debt, and syncs budgets across devices.
- 08ZappExpense: Envelope Budget0★3 moliveEnvelope budgeting app that splits income into spending categories, tracks expenses offline, and provides charts and savings goals.
- 09reglo0★1 molivehobbyWeb app that tracks a household budget using envelope categories, shared between two users, with monthly dashboards and savings goals.
- 10Simple Budget: Expense Tracker0★3 moliveEnvelope budgeting app that tracks spending by category and shows insights to help users grow savings.
- 11Go Budget0★8 mostaleliveMobile app that organizes spending into envelope-style categories, tracks bills and savings goals, and syncs shared budgets across family members.
- 12Foldz: Envelope Budget App0★6 mostaleliveindieBudgeting app that divides income into spending envelopes and tracks expenses without an account or cloud sync.
- 13Budget Buckets Pro0★8 mostaleliveEnvelope budgeting app that lets users set spending limits and track balances with visual progress indicators.
- 14Envelopes: Budget Manager0★6 yrabandonedlivehand-codedcommercialMobile app that digitizes envelope budgeting, letting people create virtual envelopes, distribute income, and track withdrawals, deposits, and transfers with custom memos.
Ranked by traction, highest first, and paged 20 at a time — this is a window on the cluster, never the whole of it. Ties are broken by a stable id so a product cannot appear on two pages or fall between them. Browse every cluster.