Goodbudget
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Goodbudget adapts the classic envelope method for digital budgeting without requiring you to connect your bank account. You set up envelopes for different spending categories, move money between them, and record transactions as you spend. The app syncs your budget and spending data across all your devices, so your spouse, partner, or roommate can access the same envelopes from their phone.
The manual entry approach keeps you aware of your money flow without automatic transaction feeds. You're in control of what goes where, and household members can collaborate on shared budgets with full visibility into the spending breakdown.