Give every dollar a job.
Zero-based budgeting is simple: income comes in, you assign all of it to envelopes, you spend from the envelopes. What makes it stick is seeing the envelopes drain in real time and not having to type every transaction. Envelope does both, offline, with no account.
BUDGET
- Groups and categories you can rename, add and remove
- Assign per category per month; to-be-budgeted updates as you type
- Assigned, spent and left for every category, with progress bars and overspend in red
- Copy last month's plan to start a month in one click
TRANSACTIONS
- Bank CSV import with column mapping (date, description, amount, or separate debit and credit columns) and a preview
- Duplicate detection so re-importing a statement is safe
- Payee memory: once you file "Whole Foods" under Groceries, every future import does it for you
- Search, filter by category or direction, edit in place
REPORTS
- Spending by group for the month
- Twelve months of income against spending, saving rate
- Top payees with visit counts
Who it's for
Anyone who has tried a budgeting app and quit because of the subscription or the sync, and anyone still doing it in a spreadsheet.
What you get
- Envelope (one .html file, runs in your browser, offline)
- A 2-page quick-start guide
Good to know
- One file. No install, no account, no subscription, no internet needed after download.
- Your data stays on your computer. Export a backup any time; import it on another machine.
- Built for a computer screen: Windows or Mac, in Chrome, Edge, Safari or Firefox.
- Instant download.
What's inside the download
- Envelope.html
- Quick-Start-Guide.pdf
Made by Matthew Busel, a one-person studio in Tuckahoe, NY. About me. Questions: support@tensorust.com.
Money and business
Envelope
zero-based budget app: give every dollar a job, import your bank CSV, auto-categorise payees, monthly reports
A budget that works like YNAB without the subscription. Assign this month's income to categories, watch each envelope drain as you spend, and see what is left. Drop in your bank's CSV: it maps the columns, skips duplicates and files payees into the categories you used last time. Reports show where the month went and twelve months of income against spending.
Works or I fix it. If a file doesn't open or work as described, email support@tensorust.com within 30 days and I fix it or send a working copy. All sales are final, so check the screenshots or ask first.
- Updated
- Oct 2026
- File
- ZIP, 189 KB: 1 HTML app, 1 PDF
- Who it's for
- Anyone who has tried a budgeting app and quit because of the subscription or the sync, and anyone still doing it in a spreadsheet.
One-time price in US dollars, checkout by Stripe. After paying you land on a page with your download link. Each link works for 15 minutes, and reopening that page makes fresh ones.
- Envelope-Budget.zip