Decide where it goes
before it's gone.
Minturn Money is envelope budgeting for people who would rather plan than reconcile. Split your real balance into envelopes, spend from them, and always know what's actually left — without handing anyone your bank login.
Free forever tier · 14-day trial on paid · works offline
1–31 Aug
7 days left
100%
$2,670.00 of $2,670.00
90%
$2,405.78
$0.00
$2,405.78 spent of $2,670.00 · ahead of pace
$1,650.00 spent · $0.00 available
$1,650.00
target
$412.38 spent · $227.62 available
$640.00
target
$96.50 spent · $83.50 available
$180.00
target
$246.90 spent · $46.90 over budget
$200.00
target
What makes it different
Offline first
The whole app runs on your device. A tunnel, a plane or a dead router changes nothing.
No bank credentials
We do not ask for a bank login, and the app does not connect to your bank. There is nothing to leak.
Yours to keep
Export everything as CSV whenever you like. Cloud sync is optional and off until you turn it on.
The method
Three moves, once a month.
Envelope budgeting is a hundred years old and it still works, because it puts the decision before the purchase instead of after it.
Fund
Income arrives in one pool. You hand it out to envelopes — rent, groceries, the ski pass — until every dollar has a job.
Spend
Buy something, log it against its envelope. The envelope goes down. That number is the truth about what is left.
Adjust
Short on one, spare in another? Move it across. The plan bends on purpose instead of quietly breaking.
What it does
A budget, not a spreadsheet with feelings.
Budget
Envelopes with targets, rollover between months, and rules that fund them automatically.
Track
Transactions, recurring bills, labels across envelopes, debts and accounts.
Understand
Where it actually went, how this month compares, and what is about to go wrong.
Share
A separate workspace for a household or a side business, with roles and limits.
Envelopes
One bar that tells the whole story.
Most budget apps give you a percentage. Ours separates the two things that actually differ: what you have spent, and what is still there to spend.
- Texture, not just colour — spent and left never blur together
- Overspending shows up as its own colour, not as ordinary spend
- Rollover counts as funded, so a carried envelope never looks short
Available
-$46.90
Funded
$200.00
Spent
$246.90
Available
-$46.90
Ramen Bar
Aug 24
-38.40
Two Rivers Coffee
Aug 23
-11.20
Alpenglow Pizza
Aug 21
-64.20
Reading the bar
The same four segments appear everywhere an envelope does.
Periods
Months that close, and carry.
A budget period is a real object: it opens, it takes income, it closes, and what is left rolls into the next one. Weekly and biweekly too, if that is how you are paid.
- Rollover per envelope — save up for the big annual bill
- Weekly, biweekly or monthly cycles
- Every past period stays browsable, with its own figures
The envelope is not short just because this month has not topped it up. A rolled-over balance is money that is already in the envelope, so the bar reads it as funded — which is why an envelope you did not re-fund this month still shows green rather than an empty track.
Debt
A payoff plan that knows the interest.
Track what you owe alongside what you spend. Compare snowball against avalanche and see the date and the interest each one actually produces.
- Snowball and avalanche, side by side
- Interest projections and a debt-free date
- Payments come out of envelopes like anything else
Avalanche saves $932.99 in interest
Insights
Patterns, not just totals.
Twelve months of history, the categories quietly growing, and a warning while you can still do something about it rather than a post-mortem on the 1st.
- Overspending alerts mid-period
- This month against your own average
- Forecasting and pacing on Ultimate
Privacy
We do not ask for your bank login.
Most budgeting apps work by holding the keys to your accounts through a third-party aggregator. Minturn Money does not connect to your bank at all — so there is no credential to store, no aggregator in the middle, and nothing for anyone to breach.
- Your budget lives in a database on your device
- Cloud sync is optional, and off until you switch it on
- On-device encryption locks the sensitive fields behind a passphrase
- Usage analytics stay on the device — amounts are never in them
- Export everything to CSV, any time, on any tier
Every envelope, every transactionAlways
Only if you turn it onOptional
Not asked for, not storedNone
Stays on device, 90 daysLocal
Learning
The app teaches the method.
Thirteen modules of short, slide-based lessons built into the app — foundations, the envelope system itself, using the tools, and the habits that make it stick. Four are free.
See what's coveredFinancial foundations
Cash flow, sinking funds, and why the month keeps ending early.
Envelope budgeting
Funding, rollover, and what to do when an envelope runs dry.
Using Minturn
Rules, recurring bills, labels and reconciliation.
Building habits
Streaks, weekly reviews, and staying with it past month three.
Reviews
None yet. We would rather say so.
Minturn Money is new, so there is nothing here to quote — no rating, no press, and no borrowed enthusiasm. We cannot wait to hear what you make of it. Tell us at minturn@rockymountainapps.com, and the good ones will end up on this page with a name attached.
Pricing
Free is a real tier, not a demo.
10 envelopes and 50 transactions a month, forever, with no card. Upgrade when you outgrow it — not when a timer runs out.
Free
Start budgeting and build the habit.
Free forever. No card.
Get started- Up to 10 envelopes
- Up to 50 transactions per month
- 3 recurring transactions
- 5 labels · 2 savings goals
- Track up to 2 debts
- Basic spending insights
- Achievements & streaks
- Foundational learning modules (4 of 13)
- Monthly budget periods
- Local data storage only
Premium
Budget without limits.
or $59.99/yr — save 28%
Start 14-day trial- Unlimited envelopes, transactions, labels & goals
- Unlimited recurring & allocation rules
- Cloud sync across devices
- Account tracking (checking, savings, credit & loans)
- Custom budget periods (weekly / biweekly)
- Unlimited debt tracking
- Spending reports & advanced insights
- Overspending monitoring & alerts
- CSV export · multi-currency · photo receipts
- On-device data encryption
- All 13 learning modules
- Up to 4 widget quick-add shortcuts (mobile app only)
Ultimate
A separate, shareable workspace and the power tools.
or $89.99/yr — save 25%
Start 14-day trial- Everything in Premium, plus:
- Separate, shareable workspace — share with up to 4 others
- Bank reconciliation against statements
- Member roles, permissions & spending limits
- Purchase approval workflows
- Budget forecasting & pacing
- Smart coaching suggestions
- Net worth tracking
- Debt payoff strategies (snowball / avalanche)
- Interest projections & timelines
- PDF reports · collaborative notes
- Unlimited widget shortcuts (mobile app only)
Questions.
Does it connect to my bank?
No, and that is deliberate. You enter transactions yourself, or import a CSV. It means a little more typing, and it means we hold no credential that could be stolen. If automatic bank import is essential to you, we are honestly not the right app.
Does it work offline?
Completely. The app is offline-first: everything lives in a local database and the interface never waits on a network. Cloud sync, on the paid tiers, catches up when you reconnect.
What happens to my data if I stop paying?
It stays on your device and you can still export it to CSV. You drop to the Free limits for adding new things, but nothing is deleted and nothing is held hostage.
Is the free tier time-limited?
No. Free is free indefinitely — 10 envelopes, 50 transactions a month, local storage. The 14-day trial is a separate thing: it unlocks a paid tier so you can try sync and the rest.
Can my partner and I share a budget?
Yes, on Ultimate. It gives you a separate shareable workspace — not a merge of your personal budget — that up to four other people can join, with roles, per-member spending limits and approval workflows.
Which platforms?
It installs as an app on iOS and Android, and runs in any modern browser as an installable PWA. Same codebase, same data, synced if you want it.
Give every dollar a job before the month starts.
Free to start, no card. 14 days of everything if you want the rest.
Never Summer Mountains · mark byzewski, CC BY 2.0
