Modern envelope budgeting
Plan ahead. Spend with confidence. Together.
Household budgeting for busy families. Desktop & mobile apps, AI that earns its keep, everything under control.
2 months free · Cancel in one click · Your data, exportable anytime.
Envelope budget. Every dollar with a job, every category with a balance.
Download the apps
On your phone
On your computer
Watch it work
See a real budget, start to finish.
Episode one of How I Budget walks through the envelope method Budgeteer is built on: give every dollar a job, and the month stops surprising you. No signup needed to watch.
More episodes on setup, bank sync, and reconciling are in the full How I Budget series .
How it works
A budget that is in control.
Plan, add, import, reconcile. The four steps you'll repeat every week, each one faster than a spreadsheet.
Envelope budgeting, finally done right.
Give every dollar a job. Set what each category gets each month, watch the balances move as you spend, and decide where overspending rolls forward.
- Overspend stays in the category that caused it, not your whole budget
- Savings targets with progress bars and target dates
- Copy last month with one click, so your fixed bills stay fixed
- Projected payoff dates for your credit cards and savings goals
Less typing. Less guessing.
Snap a photo of a receipt and the payee, amount, and date fill in for you. The category you usually pick at that place is already suggested.
- Receipt scanning on iPhone, Android, and web
- Category suggested from how you’ve spent at that payee before
- Split one transaction across categories right from the row
Bring in transactions your way.
Connect your bank and new transactions show up automatically. Or manually import your transactions when you'd rather stay hands-on.
- Unlimited bank connections, all included in the one plan
- Manually import your transactions any time, no bank link required
- Add transactions one at a time or in batches, whichever fits the moment
Match your statement in seconds.
Mark what’s cleared, fix what’s off, and tell Budgeteer the balance the bank shows. A running balance sits on every row so you can spot the one transaction that’s wrong without leaving the page.
- Running balance on every row, updated as you clear
- Clear or recategorize a batch of transactions at once
- Split a transaction across categories without opening a modal
Quietly, everywhere it saves a step
AI that earns its keep.
Not a chatbot bolted to the corner. AI woven into the exact moments you'd otherwise be typing, guessing, or copying numbers between tabs.
Reads your receipts
Snap a photo of a paper receipt and the merchant, amount, date, and a suggested category land in a transaction, ready to confirm.
Photo → pre-filled transaction in seconds
Smart bank imports
New imports come in with categories already suggested from your past behavior. Matched transfers across accounts collapse into one clean entry. You confirm; you don't categorize.
"Trader Joe's #321" → Groceries. $500 out + $500 in → one transfer.
Watches your back
When the bank balance doesn't match, AI suggests which uncleared transactions explain the gap. When a subscription jumps or a charge looks unusual, it surfaces the change before you notice.
Off by $43.12 → "Likely the Costco run from last Sunday."
Cleans up duplicate payees
Spot "AMZN Mktp", "Amazon.com", and "AMZ*ECOMMERCE" as the same merchant, and merge them with one tap, taking the transactions with them.
23 payees clustered into 8 → one click to merge
Projects savings & debt payoff
For savings goals and credit cards, projects when you'll hit the target (or pay it off) at your current pace, and what changing the contribution does.
"Add $40/mo and you're debt-free 7 months sooner."
Writes your monthly recap
A short, plain-language summary of what moved, what stayed the same, and what to watch heading into next month.
"Groceries are up 18%, mostly price, not more trips."
None of it trains on your data. Every suggestion stays a suggestion until you confirm it.
Your money stays yours.
We make money from subscriptions. Not your data. No ads, no trackers, no brokers, and AI that only ever sees what a task strictly needs.
Never sold, never mined
No ad tech, no analytics pixels, no data brokers. Your transactions are not the product. Your subscription is.
Encrypted end to end
Encrypted in transit (TLS) and at rest. Each family's data is logically isolated, and admins can't read your transactions.
AI that doesn't phone home
AI features send only what a task strictly needs. Never your name, email, or account numbers. Never used for training.
Read-only by default
Bank sync is read-only via Plaid. Budgeteer can see your transactions, but it can never move your money.
Passkeys by default
Sign in with Face ID, Touch ID, or your device PIN. No passwords to leak, no shared secrets to phish.
Yours to take
Export every transaction to a CSV any time. Delete your account in one click and your data is gone for good. Not hidden, not archived, gone.
Read the full privacy policy for the exact list of what's sent to AI providers and what stays on our servers.
One plan
Everything, for one price.
No tiers. No upsells. Every feature included.
billed $99.99/year
- Unlimited accounts, transactions, and categories
- Envelope budgeting with per-category rollover
- Savings targets and debt payoff projections
- Receipt scanning and a monthly recap
- Unlimited bank connections, or import transactions manually
- Shared family access with separate logins
- Web, desktop (Mac & Windows), iPhone & Android apps
Then $8.33/month · cancel in one click
No charge until your trial ends. Cancel anytime before then.
Questions, answered.
- How does the budgeting work?
- Zero-based envelope budgeting. Every dollar is assigned to a category before it’s spent. If you’ve kept a spreadsheet with category columns, this will feel familiar, except the math, import, and categorization happen on their own.
- Is my bank data safe?
- Yes. Bank connections go through Plaid, our bank integration partner. Your bank login goes straight to them and never touches our servers. Sync is read-only, so Budgeteer can never move your money. You can also skip bank sync entirely and manually import your transactions or enter them by hand.
- What happens if I cancel?
- Cancel in one click from account settings, no survey and no retention offers. Your billing stops right away and you keep access until the end of the period you have already paid for. You can export your full data anytime. After cancelling we keep your data so you can pick up where you left off if you come back, and you can ask us to delete it whenever you want.
- Can my partner have a separate login?
- Yes. Everyone in your household gets their own login and audit trail while working from the same shared budget. Two roles let you control who can do what: Owner (full access, including billing) and Adult (manage accounts, budgets, and transactions).
- Does it work offline?
- Budgeteer needs a connection. Your data lives in the cloud so it stays in sync across web, desktop, and phone in real time. Brief signal drops while editing won't lose your work, but loading and saving need a connection.
- Do you have a proper desktop app?
- Yes. Native apps for Mac, Windows, iPhone, and Android. Verified by Apple and Microsoft, with menu-bar shortcuts and pop-up alerts. Everything stays in step across the web, desktop, and phone, with no manual refresh.
- What about the AI? Is my data safe?
- AI features only send the minimum a task needs. Never your name, email, account numbers, or anything that identifies you. Nothing is used to train models, and every AI output appears as a suggestion you confirm before it lands on your transactions.
Stop juggling spreadsheets. Start your budget today.
Two full budget cycles, free. Cancel anytime before the trial ends and you are never charged.
2 months free · Cancel in one click · Keep your data
Want to see it first? Watch the How I Budget series