01 / buckets
Zero-based envelopes.
Assign every dollar to a category. Buckets roll over month to month. When one runs dry, you either stop spending or move money in from another.
→ nested categories · monthly rollover · move-money in two clicks
Invite only
Every dollar in a bucket.
An envelope budgeting app with bank sync and assisted categorization. Private alpha; invite only.
00 / about
What it is.
Envelope budgeting assigns every dollar a job before it's spent. Each category is a bucket: rent, groceries, the trip in October. When you spend, you spend from a bucket. When a bucket runs out, you stop or move money in from another.
Budgeteer adds automatic bank sync, assisted categorization, and a small set of reports.
Speak transactions, ask for balances, and describe goals in conversation.
01–08 / features
Features.
02 / targets
Targets per bucket.
Set a target on any bucket: refill to $X each period, set aside $X each period, or save $X by a date. Configurable periods: weekly, monthly, quarterly, yearly, thrice-weekly, whatever. Budgeteer surfaces which buckets are underfunded for the current period.
Describe a goal in plain language and the assistant proposes a plan: new buckets and targets, adjustments to the ones you already have, and where in your spending you'd likely need to make room.
→ refill · set-aside · save-by-date · configurable period · AI goal planner
03 / bank sync
Bank sync.
Connect a Canadian bank, credit cards, and cash accounts. Transactions import automatically; balances reconcile; broken connections get surfaced quickly
→ Plaid · daily refresh · split transactions · manual fallback
04 / iPhone companion
Voice capture, Siri queries.
Open the app and speak a transaction. "Forty bucks groceries at Loblaws" becomes a pending entry that reconciles when the bank sync catches up. Siri answers queries without unlocking the phone.
Or set up an Apple Pay Shortcut: tap at checkout, Budgeteer opens with the amount pre-filled, you pick the bucket.
→ voice-to-text capture · Siri bucket queries · Apple Pay Shortcut (amount pre-fill)
05 / categorization
Assisted categorization.
An LLM reads the bank memo, picks a likely bucket, and rewrites the payee into something readable. It learns from your corrections.
→ per-user learning · payee normalization · always confirmable
06 / credit cards
Credit cards, fully funded.
Spend on a card and the money moves out of the category bucket and into the card's payment bucket. By statement time, the payment is already set aside.
→ per-card payment bucket · overspend warnings · pay-in-full by default
07 / age of money
Age of money.
The average age, in days, of the dollars you spent today. Higher means you're spending money you earned a while ago, not money that just landed.
→ daily snapshot · charted over time
08 / auto-tune
Auto-tune buckets.
Pick a date window and set each bucket's monthly amount to your real average. Useful as a starting point, or as a sanity check.
→ tunable window · per-category override · undoable
06 / reports
Reports.
- expense vs. income
- Monthly net, trended.
- age of money
- The same metric, charted over time.
- net worth
- All connected balances rolled up into one line.
- subscription audit
- Detected recurring charges.
- cash flow forecast
- Projects N weeks out from scheduled and recurring transactions.
07 / status
Status.
Private alpha. Plaid integration is mid-application. Invites will open in small batches as the sync layer stabilizes. No fixed public beta date.
08 / access
Request access.
Drop your email and you'll hear when seats open.
Not taking signups yet. Stay tuned.