Ally Bank

Ally Bank offers virtual buckets within your savings account, letting you separate money for different goals or expense categories without opening multiple accounts. You can set bucket names and target amounts, then track progress as you contribute. The platform automatically categorizes your transactions, making it easy to see spending patterns across groceries, entertainment, utilities, and other areas you define.

This is an excellent choice for people who want their bank and budgeting tool in one place. Unlike Mint, which was primarily a spending tracker, Ally integrates budgeting directly with your actual accounts, removing the step of connecting external banks. It works well for people who appreciate the envelope method or just want a simpler way to organize their money without switching to a third-party app.