A Modern Envelope Budgeting App
Start Budgeting Better
Whether you are already a penny pincher, hardcore saver, or just want to start taking your spending seriously, it’s time to get onabudget.me. Onabudget.me is a cross-platform envelope budgeting application that helps you take control of your finances.
Features
- Free for six months then as low as $2.99/mo.
No credit card requried to sign up. - Unlimited number of envelopes.
- Unlimited number of accounts.
- Shareable envelopes/accounts.
- Available everywhere on your mobile device or the web.
What is Envelope Budgeting?
Envelope budgeting is a budgeting method that limits what you can spend on created categories of goods and services. You limit your spending by only spending the money allocated for each of these categories. Traditional envelope budgeting was cash based and worked like this:
Create Envelopes
You start by creating categories (envelopes) of spending. For example, you might have an envelopes entitled: “Eating Out”, “Groceries”, or maybe “Transportation”.
Create A Funding Plan
When you are paid, you divide the cash into these envelopes based on your funding plan (also known as a “budget”). For example, you might by paid $100. Your funding plan may dictate that you add $20 to your “Transportation” envelope, $25 to your “Eating Out” envelope, and $55 to your “Grocery” envelope.
Only Spend Your Budget
The last step is curbing your spending by always knowing and only spending what money you allocated for this expenditure. For example, if you have $25 in your “Eating Out” envelope, order the $10 hamburger instead of the $30 steak.
By following these steps, envelope budgeting can help you save, attain those goal purchases, and better maintain personal fiscal responsibility. However, dealing with only cash and carrying around all of your cash in physical envelopes is probably not the best idea. Enter the digital envelope budgeting equivalent: onabudget.me.
How is onabudget.me Different?
Not Only Cash Based
An account can be anything, like: bank accounts, digital wallet, whatever you decide or wherever you keep your funds.
Different Saving Methods
Traditionally, envelopes share assets across all accounts. Alternatively you can have envelopes that are tied to a particular account.
Shareable
The ability to maintain different sets of envelopes and accounts (called “boxes”) as well as share boxes with other onabudget.me users.
Flexible Reports
Easily create and customize reports to find insights into your spending and saving habits over time.
Easier Saving Features (Drains and Ceilings)
Configure your envelopes to automatically spill over excess funds into another envelope or start fresh every time the envelope is funded.
Use Anywhere
Offline recording/syncing on mobile apps and always available online, take onabudget.me everywhere to make recording transactions and saving even easier.
Disconnected
With no connections to your actual accounts, onabudget.me is separate, secure, and easy to audit yourself.
Export of Data
Keep you data even longer or save a backup by downloading your transaction history.
Pricing Plans
All plans are available for free for six months. We know that budgeting can be hard and it takes time to make it a habit. That is why all plans are available to you at sign-up for free for the first six months. No credit card is required until your free trial ends. Cancel at any time.
The Essential Saver
$ 2 .99 Month
What is Included
- Unlimited Accounts
- Unlimited Envelopes
- Unlimited Funding Plans
- Six Months of Transaction Logs
The Modern Envelope Budgeter
$ 4 .99 Month
What is Included
- Everything in the Essential Saver Plan
- Ability to Share Accounts & Envelopes
- Expense Report Feature
- Envelope Ceiling & Drain Features
- One Year of Transaction Logs
The Auditor Pro
$ 6 .99 Month