Free planning tool
Free Envelope Budgeting Tool
Enter your total budget, create envelopes, and see how much money is left to assign.
No sign-up required. This simple tool does not save your data.
Build your envelopes
Add your budget amount, then assign money to each category.
Allocation chart
A quick view of how your budget is split across envelopes and anything still unassigned.
Enter a total budget to see the chart.
How envelope budgeting helps you plan
Envelope budgeting is practical because it gives every category a visible limit before the spending happens.
Divide money into categories
Envelope budgeting turns one budget amount into clear spending groups like groceries, gas, eating out, bills, and savings.
Give each envelope a limit
Each envelope shows how much you plan to spend in that category before the money is gone.
Know what is left first
The goal is to see what is still unassigned before you spend, so tradeoffs are visible early.
Use this for planning
This simple tool does not save data or track real transactions. It is meant to help you sketch a budget quickly.
Want to track your envelopes over time?
RealBudget lets you create digital envelopes, track spending, and know exactly what's left across web, iPhone, and Android.
Start budgeting today
Start budgeting today on Android, iPhone, or the web.
