Spending by Envelope
Idle
Oct 2026RentGroceriesTransportDining Out
0.00500.001,000.001,500.00
Zero-sum budgeting. Every dollar has a job.
HomeBudgetAccountsInvestingReportsSettings
USD (Base)OG
Money to Assign
$400.00- Rent Assigned: $1,400.00
- Groceries Assigned: $550.00
- Transport Assigned: $250.00
- Savings Assigned: $600.00
$400.00 still to assignSave Changes
Type every Target. Nothing is pre-filled.
Each month opens with the Planning Ritual. Last month sits beside every Envelope, never copied in.
HomeBudgetAccountsInvestingReportsSettings
USD (Base)OG
Budget
October 2026
Total Assigned
$2,770.00
Total Spent
$2,146.10
Unspent
$623.90
Total Underfunded
$0.00
Money to Assign
$0.0097
October 2026
Money to Assign
$0.00Total Assigned
$2,770.00
Total Spent
$2,146.10
Unspent
$623.90
Total Underfunded
$0.00
$0.00
spent $1,400.00
Rent
$0.00 available
target 1,400.00
assigned1,400.00
spent1,400.00
+ AddEdit TargetReassign
—
$18.40
spent $531.60
Groceries
-$23.70 overspent · cover required
target 520.00
assigned520.00
spent562.10
+ CoverReassign
—
$0.00
spent $231.00
Transport
$66.00 available
target 250.00
assigned250.00
spent184.00
+ AddEdit TargetReassign
—
$3,500.00
spent $0.00
Savings
$4,100.00 available
target 600.00
assigned600.00
spent0.00
+ AddEdit TargetReassign
—
Monthly Planning Ritual
Planning for 2026-11. You must set a target or skip each envelope to continue.
Envelope
Last Spend
Last Target
Balance
New Target
Skip
Rent
1,400.00
USDGroceries
560.00
USDTransport
200.00
USDSavings
USD
Rent
spenttargetbalance$1,400.00$1,400.00$0.00
1,400.00
USDGroceries
spenttargetbalance$562.10$520.00-$23.70
560.00
USDTransport
spenttargetbalance$184.00$250.00$66.00
200.00
USDSavings
spenttargetbalance$0.00$600.00$4,100.00
USD
1 envelope(s) remaining...
Complete Planning RitualSpend it. Go over and it turns red.
Every purchase lands in an Envelope. An overspent one stays red until you Cover it from another.
HomeBudgetAccountsInvestingReportsSettings
USD (Base)OG
Budget
October 2026
Total Assigned
$2,840.00
Total Spent
$2,139.10
Unspent
$700.90
Total Underfunded
$50.00
Money to Assign
$320.00—
October 2026
Money to Assign
$320.00Total Assigned
$2,840.00
Total Spent
$2,139.10
Unspent
$700.90
Total Underfunded
$50.00
$0.00
spent $531.60
Groceries
-$23.70 overspent · cover required
target 520.00
assigned520.00
spent543.70
+ CoverReassign
—
$0.00
spent $231.00
Transport
$66.00 available
target 250.00· 50.00 underfunded
assigned200.00
spent134.00
+ AddEdit TargetReassign
—
$0.00
spent $1,400.00
Rent
$0.00 available
target 1,400.00
assigned1,400.00
spent1,400.00
+ AddEdit TargetReassign
—
$0.00
spent $109.20
Dining Out
$58.60 available
assigned120.00
spent61.40
+ AddEdit TargetReassign
—
$3,500.00
spent $0.00
Savings
$4,100.00 available
target 600.00
assigned600.00
spent0.00
+ AddEdit TargetReassign
—
Groceries · October 2026
Total spent $543.70
Whole FoodsOct 21 · Checking
-$84.12
Trader Joe'sOct 19 · Visa
$12.40
Unknown payeeOct 17 · Checking
-$23.10
Corner MarketOct 14 · Visa
-$19.85
Cover Groceries
Cover the overspending in Groceries.
Source
Dining Out ($58.60)
Amount
23.70
CancelCover
Score it. See how well you kept the plan.
Every month gets a Discipline Score out of 100. Overspend, underspend or skip a Target and it drops.
HomeBudgetAccountsInvestingReportsSettings
USD (Base)OG
Budget
October 2026
Total Assigned
$2,970.00
Total Spent
$2,231.40
Unspent
$738.60
Total Underfunded
$0.00
Money to Assign
$0.0089
October 2026
Money to Assign
$0.00Total Assigned
$2,970.00
Total Spent
$2,231.40
Unspent
$738.60
Total Underfunded
$0.00
$0.00
spent $1,400.00
Rent
$0.00 available
target 1,400.00
assigned1,400.00
spent1,400.00
+ AddEdit TargetReassign
—
$0.00
spent $531.60
Groceries
$0.00 available
target 520.00
assigned650.00
spent650.00
+ AddEdit TargetReassign
—
$0.00
spent $231.00
Transport
$130.00 available
target 250.00
assigned250.00
spent120.00
+ AddEdit TargetReassign
—
$0.00
spent $109.20
Dining Out
$8.60 available
assigned70.00
spent61.40
+ AddEdit TargetReassign
—
$3,500.00
spent $0.00
Savings
$4,100.00 available
target 600.00
assigned600.00
spent0.00
+ AddEdit TargetReassign
—
Watch the months add up.
Total Wealth, Runway, every Portfolio and the Reports you schedule. Foreign cash is budgeted in its own currency.
HomeBudgetAccountsInvestingReportsSettings
USD (Base)OG
Total Wealth
$41,286.20
Liquid
$12,840.55
Invested
$25,445.65
Other
$3,000.00
Runway i
11 months
This Month's Budget
Open budgetMoney to Assign
All money assigned
This month
$1,842.10 spent$1,357.90 available
vs plan
$1,842.10 spent$2,600.00 planned
Investing
| Portfolio | Ccy | Cash sleeve | Cost basis | Market value | Unrealized P/L | |
|---|---|---|---|---|---|---|
Brokerage4 holdings | USD | $1,240.55 | $18,200.00 | $20,114.60 | $1,914.60 (+10.52%) | |
Nordnet1 holding | EUR | €860.00 | €4,100.00 | €3,920.40 | -€179.60 (-4.38%) | |
Kids fund0 holdings | USD | $500.00 | — | — | — |
Brokerage
4 holdings USD
Cash sleeve$1,240.55
Cost basis$18,200.00
Market value$20,114.60
Unrealized P/L$1,914.60
Nordnet
1 holding EUR
Cash sleeve€860.00
Cost basis€4,100.00
Market value€3,920.40
Unrealized P/L-€179.60
Kids fund
0 holdings USD
Cash sleeve$500.00
Cost basis—
Market value—
Unrealized P/L—
3 active · 0 closedprices stale
Give every dollar a job.
Plan the month. Live it. Score it.