No subscription
Why pay every month for a budget you already own?
Most budgeting apps charge you every single month, and the ones that don't usually make their money somewhere you can't see. The Envelope Method is free to use for life, and if you want the premium features it's $10 CAD once. That's it.
Subscription apps vs. this one
What it costs
Billed every month or every year, forever
One payment of $10 CAD, or keep the free features for life
If you stop paying
Access ends and your budget goes with it
Nothing you made is ever deleted — you drop back to the free limits
Bank connections
Often required, with a third party holding your logins
None. Upload a statement, screenshot or CSV, and we delete the file after
Your data
Frequently analysed, and sometimes sold on
Never sold, no ad trackers, no analytics on your spending
Sharing costs
Usually a separate app, or a higher tier
Split by percent or dollars, even with someone who has no account
Coming from YNAB or Goodbudget?
The idea is the same: give every dollar a job and spend from the envelope it belongs to. The difference is you upload a statement instead of handing over your bank login, and you pay once instead of every year.
Read the practical guideWhat the free version actually does
Two accounts, eight spending envelopes, statement uploads, scheduling and the full monthly plan. Paying once adds unlimited accounts and envelopes, detailed interest, and sharing costs with other people.
See every featureOne payment. No enshitification.
Start free and stay free, or unlock everything once for $10 CAD. Nothing you create is ever deleted.