CLUSTER BUDGETING-ENVELOPE-SPENDING · 13 ENTRIES · EARLIEST ENTRY 2013-03-08
Envelope budgeting apps
This cluster comprises envelope-based budgeting apps for personal and shared finance, covering digital cash stuffing, income allocation, and real-time spending tracking across categories. Their dated entries appear sporadically one per month from October ̈2011 to June ̈2026, showing no consistent growth pattern, but many members lack clear source dates. Traction leadership is led by Spense: Your Budget Companion, though it and other listed leaders all show 0 stars on the activity signal.
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 ai-built · 1 hand-coded · 11 unlabelled
Operator · 4 hobby · 1 indie · 3 commercial · 4 open source · 1 unlabelled
Two labels per entry, never collapsed into one: how it was built, and who stands behind it. Counted over the 13 listed below. Unlabelled means nothing has decided yet — not that the answer is small.
- 01zero-budget1★todaylivehobbyPersonal budgeting app that uses envelope budgeting, keeps financial data in a local file, and tracks spending and net worth.
- 02Pathayam0★10 dayslivehobbySelf-hosted envelope budgeting app for Indian households that tracks income, expenses, credit cards, and supports multiple members.
- 03Budget Bestie0★29 dayslivecommercialMobile app that digitizes the cash stuffing envelope budgeting method, recommending envelope amounts and tracking recurring expenses and savings goals, for personal budgeting.
- 04cuentas-claras0★25 days—hobbySelf-hosted personal finance app for envelope budgeting with mobile-friendly interface and expense tracking.
- 05Actual Budget0★1 molivehand-codedopen sourcePersonal finance application that applies envelope budgeting to help users track income, spending, and savings with multi-device sync.
- 06Goodbudget Budget Planner0★1 molivecommercialMobile app for shared household budgeting using the envelope method, syncing transactions and debt tracking across multiple devices and a web app.
- 07client-envelope-sim0★1 mo—ai-builtWeb app that simulates envelope-based budgeting scenarios from user financial inputs for clients.
- 08ynab40★4 moliveopen sourceDesktop budgeting application that helps individuals track income, expenses, and savings using an envelope budgeting method.
- 09Simpler Budget: Envely0★3 moliveindieMobile finance app that uses the envelope budgeting method to track cash, expenses, and income, and provide monthly savings insights.
- 10Expense Keep: Envelope Budget0★1 molivecommercialMobile app that tracks personal expenses using an envelope budgeting system with recurring transactions and transfers between envelopes.
- 11buckets-beta-bin0★1 yrabandonedliveopen sourceDesktop application for personal budgeting using the envelope method, helping individuals privately track and allocate spending across categories.
- 12buckets-bin0★1 yrabandonedliveopen sourceDesktop application for personal budgeting using the envelope method, helping individuals privately track and allocate spending across categories.
- 13SimpleBudget0★unknownlivehobbyDesktop budgeting application using the envelope system to track monthly spending and savings for individual users.
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.