An envelope budget: plan the month’s income, then spend what’s left
In brief
An envelope budget that plans the month's income first, then shows what is genuinely free to spend. The data stays on the device.
Each month opens with Left to plan, the income not yet spread across your categories. Plan it, by hand or with Quick fill, which tops up every goal or copies last month, then spend against what is left in each category and shift money between them when the month turns out differently. The budget lives on the device and works offline, with no account.
What it does
- Imports bank CSV, PDF statements, OFX/QFX, QIF and CAMT.053 files, and whole budgets from YNAB or Actual Budget
- Optional sync through your own Google Drive, encrypted end to end with a passphrase, so Google never sees the budget
- Reports on where the money went, and a freelance mode that sets tax aside, keeps the invoices and plans what you pay yourself
A closer look
Select any screenshot to enlarge it.
The month’s Left to plan above the categories on the Plan screen, and Home with what is free to spend
Groceries with its monthly goal covered and Quick fill, and the year’s spending by category
The whitepapers
fondo has no paper of its own yet; the catalogue has the thinking the lab's tools share.