Paper envelopes worked because you filled them when you got paid. A calendar-month app fakes that. A paycheck envelope budget funds digital envelopes on payday. Then the number that matters is what's left of your paycheck.
Budgey is a digital envelope budgeting app. Auto from real money. Envelopes that match this paycheck. Then you sell the yes.
Meta promise: Envelope budgeting funded on payday. Auto from real money. See what's left of your paycheck. Then sell the yes. Free forever. Unlimited $10/mo or $100/yr.
What is an envelope budget app?
An envelope budget app splits this paycheck into named envelopes. Groceries and gas. Fun if you want it. You spend each one down. When an envelope is empty, that spending waits until the next fill. Same job as cash envelopes. No cash to withdraw.
The method is old. Apps now put it on a calendar month. Friday's deposit is supposed to cover a plan that started on the 1st.
Paycheck envelope budget, not a fake month
A paycheck envelope budget fills envelopes when take-home arrives. It runs until the day before the next payday. You only plan bills and spending inside that window.
That is the unit Budgey uses. The paycheck budgeting app hub is the payday-to-payday story. This page is the envelope version. Same period, named envelopes, and one number. What's left of your paycheck.
Read how to budget by paycheck for the steps.
What to look for in a digital envelope budgeting app
This is the list.
| Must-have | Why it matters | Budgey |
|---|---|---|
| Pay period fill | Envelopes match money that arrived | Yes. Funded on payday |
| One clear number | Answers can I say yes | What's left of your paycheck |
| Builds from real money | You start from real pay and spend | Auto from real money on Unlimited |
| Rollover when you want it | Save inside an envelope for a later bill | Carry balances over |
| Free way to start | Try before you add bank sync | Free forever |
| A clear yes | You check before you buy | Sell the yes |
| iOS, Android, and Web | Same envelopes on every device | Yes |
If a tool only shows a bank balance or a calendar-month average, it is not a paycheck envelope budget. Drawing envelopes on the screen does not change that.
How Budgey works
- Start free on web, iOS, or Android.
- Name envelopes for this paycheck.
- Unlimited adds bank sync so Auto from real money can build the period.
- Review the imports.
- Check what's left of your paycheck.
- Sell the yes, or wait.
Envelopes are the plan. The number says whether this coffee or these tickets still fit. Auto keeps the plan true after payday.
Who it's for
- People who liked cash envelopes and want a digital envelope budgeting app
- Weekly, biweekly, or irregular pay. Anyone funding a paycheck envelope budget
- Households asking if they can say yes tonight
- Anyone tired of a fake month that never matches Friday
Who should pick something else
- If typing every transaction is the point, read Budgey vs Goodbudget. To move your envelopes, switch from Goodbudget.
- If assign every dollar is the point, read YNAB alternatives.
Envelope rollover
Payday fill is the default. Some envelopes should keep what you did not spend, like car repair or an annual bill.
That setting is Carry balances over on Unlimited. The how-to is envelope budgeting and rollover. This page stays on payday fill, then sell the yes.
Pricing
Free forever on iOS, Android, and Web.
Budgey Unlimited is $10/mo or $100/yr. It adds bank sync so Auto can build from real money. Unlimited BaoBot is included.
Compare and explore
Envelope guide. Carry balances over
Paycheck method.
Goodbudget.
Also comparing.
- YNAB alternatives
- Mint alternatives, once live
Last reviewed September 19, 2026