Envelope Budget: Kuverto

Kuverto is an envelope budget app that gives every dollar a job before you spend it. Envelope budgeting the way it should feel: put your paycheck into envelopes in 30 seconds, log an expense in two taps, and always see what is left. No bank login. No account. Free with light ads; Pro removes all ads. Your budget stays on your phone. HOW IT WORKS • Money comes in, you give it a job. Kuverto suggests the split from your plan: overspending first, then bills by due date, then everyday envelopes, then goals. Adjust any envelope with one tap until Ready to assign shows zero. • Spend from an envelope in two taps: type the amount, tap the envelope. Done. Undo is right there. • Every envelope shows a traffic light with a reason: On track · $12 a day, Running low, Needs $120 by Nov 3, Overspent by $8. Shapes as well as colors, so it works for color-blind eyes too. • Leftovers roll over, overspending carries over until you cover it. Nothing resets behind your back. • Close the month: your envelopes stack up, a wax seal stamps what you kept, and next month is planned in seconds. BUILT FOR REAL LIFE • Zero based budget with real money only: you assign what you actually have, ideal for weekly, biweekly or irregular pay. • Bills with due dates, everyday envelopes with a monthly plan, and goals (sinking funds) that work out their own monthly amount. • Recurring income and bills: automatic or waiting for one tap. • The math is always visible: carried over + put in − spent = in the envelope. Balances are calculated from your transactions, never stored, so they cannot drift. • Cash, checking and card accounts, transfers, and a quick balance check against your bank. • CSV import from your bank or another budget app, with duplicate protection. Old months can be marked as settled so nothing shows as overspent today. • Backup file and Android backup for a new phone. Any currency, light and dark mode, 15 languages. • Evening check-in (optional): one reminder, only on days you have not logged anything or a bill is due. FREE 6 envelopes, 1 account, unlimited transactions, paycheck distribution, month close with your result, recurring items, backup, CSV import, home screen plus button, and your top 3 spending envelopes. KUVERTO PRO • No ads anywhere in the app • Unlimited envelopes and accounts • Goals and sinking funds with a monthly plan and target date • All reports, six months of income against spending, and a 12-month forecast from your own months • Home screen widget with envelope balances • Partner sync through a file in your own Google Drive, Dropbox or OneDrive folder (no account with us) • CSV export Monthly or yearly subscription. Cancel any time in Google Play. Kuverto is a personal budgeting notebook. It does not move money, connect to banks, give loans or give financial advice. Questions or ideas: [email protected]

• Free with light ads, Pro is ad-free. • Payday mode: see how much you can spend per day until payday. • “Is my money right?”: enter your bank balance, see the difference and fix it with one tap. Plus app lock with fingerprint or PIN. • New in Pro: credit card accounts and a debt plan that shows your debt-free date. • New: "Ad settings" lets you change your ad choices at any time.