Caps warn you when a category passes a monthly limit. Envelopes assign this month’s cash before you spend it.
Month 2026-07 · per envelope
Envelopes
Allocate each dollar before you spend it. Each envelope tracks a category (or a tag, if you organise that way), and the spent column updates live.
Zero-based budgeting
Ready to assign
$18,122.47
$18,122.47 of your cash isn't assigned to an envelope yet.
Spendable cash · 2 accts
$19,082.47
NameScopeAllocatedSpentRemainingProgress
Coffee
category
$7,560.12
−$7,500.12
Groceries
category
$7,560.12
−$7,110.12
Restaurants
category
$7,560.12
−$7,310.12
Shopping
category
$7,560.12
−$7,360.12
New envelope
Allocate dollars