Create envelopes
Pick categories like groceries, gas, dining, and kids activities. Each one becomes a real balance with a card-backed spending limit.
Set your categoriesNo categorizing. No overspending. No spreadsheet required.
Spend freely inside your limits.
Envelopd turns each budget category into a real balance and virtual card, so your spending limits enforce themselves.
Available to spend
$512.55Groceries$286.40
ActiveGas$84.15
Needs moneyDining$142.00
ReadyUse category cards
The card you use is the category. Spend from the right envelope at checkout and skip transaction sorting later.
Learn category cardsTop up safely
When an envelope needs money, Top Up gives you a focused transfer path without changing your broader funding setup.
Understand Top Up