RealBudget
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RealBudget keeps envelope budgeting lightweight by focusing on categorization without automatic imports or account links. You allocate money across digital envelopes and track spending as you enter it. The simplicity means less setup friction and no bank connection overhead.
Ideal for people who want hands-on control over their budget and don't need automatic transaction feeds. Works well if you already review receipts manually or prefer to batch-enter expenses weekly. The lack of syncing also appeals to privacy-focused users.