The Best Envelope Budgeting App

NeoBudget brings the proven envelope budgeting method into the digital age with visual categories, bank sync, and real-time collaboration.

What is Envelope Budgeting?

Envelope budgeting is a time-tested method where you give every dollar a job by allocating income to specific spending categories before you spend it.

How It Works

Instead of tracking where your money went after the fact, envelope budgeting puts you in control before you spend.

  • Create envelopes for each category
  • Allocate income to envelopes
  • Track spending against each envelope
  • When it's empty, stop spending

Why Choose NeoBudget?

Visual Envelopes

See your budget as colorful envelope cards, not boring spreadsheet rows. Instantly know which categories are healthy and which need attention.

Bank Sync

Automatically import transactions from your bank accounts. No more manual entry or forgotten purchases.

Family Sharing

Budget together with your spouse or partner. Changes sync in real-time so everyone stays on the same page.

Mobile Apps

Check envelope balances and log transactions on the go with our iOS and Android apps.



Simple, Affordable Pricing

Start free and upgrade when you're ready.

Free
$0.00/month
1 user
1 account
10 envelopes
Upload files to import
Essential
$5.95/month
or $59.95/year
2 months free annually!
Up to 2 users
Unlimited accounts
Unlimited envelopes
Upload files to import
Complete
$9.95/month
or $99.95/year
2 months free annually!
Up to 5 users
Unlimited accounts
Unlimited envelopes
Automatic bank sync
Receipt scan



What Our Users Say

"Thanks to NeoBudget, my wife and I don't have to worry if there will be money at the end of the month for bills. Because we set up a plan using the budget editor, we know our expenses are covered."
– Brian

"NeoBudget tells me right on the homepage with bold red letters if I am negative in any envelope. I have used other programs but they didn't clearly show what categories were negative."
– Whitney

No credit card required.
Start with the free tier and upgrade when you're ready.