Debt-Free Envelopes: Budget

Give every dollar a job. See your Debt-Free Date. Debt-Free Envelopes is a hands-on envelope budget with a debt payoff planner built in. You fill envelopes from each paycheck, log what you spend in a few taps, and see the month you'll be debt-free, plus how much sooner it comes when you put a little extra toward your cards. No bank login. No account. Your money data stays on this phone. ENVELOPES THAT FEEL LIKE CASH - Income lands in Ready to Assign. Fill your envelopes until it reads $0.00: every dollar has a job. - Tap an envelope to set its amount on a big number pad, or drag one envelope onto another to move money. Every move can be undone. - Targets for each envelope: a set amount every month, save up for a date, or keep at least a cushion. - A payday plan fills your envelopes in one tap ("Rent $575, Groceries $260, Gas $90...") and tells you plainly if the money runs out. - Leftover money rolls into next month. Overspent? The envelope says so in words, and "Cover it" moves money from another envelope. YOUR DEBT-FREE DATE - Add your credit cards and loans with their balance, APR and minimum payment, including intro 0% rates and percent-of-balance minimums. - Pick Snowball (smallest balance first), Avalanche (highest rate first) or your own order, and see both side by side. - Slide extra money per month and watch the date move: "Add $100 a month: debt-free 13 months sooner, about $2,954 less interest." - A payoff timeline, a month-by-month schedule for every debt, and progress since you started. - Make a Debt Plan PDF to print or share with your partner. - If a minimum payment doesn't cover the interest, it says so plainly instead of showing a date the math can't reach. LOG SPENDING FAST - Amount first, then payee. It remembers each payee's usual envelope, so most entries are amount, payee, save. - Split a purchase across envelopes, log income and transfers, and confirm repeating bills with one tap. Nothing is ever logged on its own. - Credit card spending moves money into the card's Payment envelope, so the bill is covered when it comes. - Reconcile any account with your bank's balance. BRING IN YOUR BANK'S CSV FILE - Download a CSV from your bank's website and open it in the app. Match the columns once, skip rows you already logged, then give each one an envelope. The file is read on your phone and never uploaded. REPORTS - Spending by envelope and group, income and spending by month, one envelope's history, and your debt going down over time. PRIVATE BY DESIGN - No account, no bank connection, no cloud, no ads, no tracking. - Optional app lock with Face ID, Touch ID, fingerprint or your passcode. - Back up to a file you keep, restore it on a new phone, and export your transactions as CSV. - Gentle reminders for bills, payday and logging receipts, all optional. MADE FOR PHONES AND TABLETS - A green felt table with kraft paper envelopes, in a day and a night look. - Big numbers, large text support and screen reader labels throughout. PRICING Pay once, $4.99. No subscription, no in-app purchases, no ads. Every feature is included. Debt-Free Envelopes does not connect to banks. You type your accounts and spending yourself, or import a CSV file you downloaded. A budgeting tool, not financial advice. The app shows the math from the numbers you enter and never recommends a loan, card or other money product.

First release: envelopes with a payday plan, drag-to-move money, the Debt-Free Date with Snowball and Avalanche, bank CSV import, reports, reminders and app lock.