ENVELOPE BUDGETING
Give every euro a job to do
Zero-based budgeting that fits real life. Assign your income, fund your categories, and move money between envelopes the moment plans change.
- Integer-cent math
- 0 floats
- Hosted and resident
- EU
- Audited AI tools
- 74
One-glance plan view
Assigned, activity and available sit in one grid, so you read your whole month at a single glance.
Assign every euro
Move money mid-month
Rollover that remembers
What the plan connects to
Goals and loans
A goal lives on an envelope: a balance to reach, a date to reach it by, a monthly amount, a spending ceiling or a debt to pay off. vokse shows what to assign each month, and a loan keeps its own planner with its terms.
Learn moreIncome with a name
Salary, freelance, refunds, dividends: label where money came from without turning it into an envelope. The label changes nothing in Ready to assign, and a report lists each month by source.
The month on a calendar
Upcoming bills and detected recurring charges on the days they land, with what went in and out on each day of the month.
Learn moreA month in three moves
Assign
Income lands in Ready to assign. Fund each envelope until that number reads zero, so the plan starts from money you actually have.
Spend
Every transaction draws on its envelope. When one runs short, move money from another and the month stays balanced.
Roll over
What is left carries into next month on the same envelope, and overspending waits for you to cover it from wherever you choose.
vokse
Build a budget that survives contact with a real month instead of one that breaks the first time plans change.