Features
Everything, and
nothing you didn't ask for.
A budgeting app that does budgeting properly, rather than a personal-finance suite that does eleven things adequately.
The four things it does
Plan
Envelopes, targets, rollover, allocation rules and scheduled funding.
Track
Transactions, recurring bills, labels, debts, accounts and receipts.
Understand
Reports, pacing, forecasting, net worth and coaching suggestions.
Share
A separate workspace with roles, limits and approvals.
Plan
Envelopes that fund themselves.
Set a target per envelope and let allocation rules do the handing-out. Percentage of income, fixed amount, or top-up-to-target — triggered on payday or on a schedule.
- Rollover per envelope, so sinking funds accumulate
- Allocation rules with scheduled triggers
- Savings-mode envelopes for goals with a target date
- Move money between envelopes in two taps
- Weekly, biweekly or monthly periods
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
Track
Log it once, in the place it belongs.
Expenses, income, transfers and allocations are all first-class. Recurring rules post the predictable ones for you, and labels cut across envelopes when a holiday or a project spans several.
- Recurring transactions, posted automatically
- Labels across envelopes — “vacation”, “tax deductible”
- Photo receipts on any transaction
- Multi-currency, with a home currency for totals
- Bank reconciliation against a statement (Ultimate)
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
Periods
A month that closes properly.
Periods are real objects with their own income, allocations and history. Closing one carries the balances you chose to roll and leaves the rest behind, and every past period stays readable.
- Per-envelope rollover
- Every closed period keeps its own figures
- Per-period view on any envelope
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
Payoff strategies with real arithmetic.
Track balances and rates, then compare snowball against avalanche on the numbers rather than the vibes — the date you finish and the interest each route costs.
- Snowball and avalanche compared side by side
- Interest projections and a debt-free date
- Payments recorded against envelopes like any other spend
Avalanche saves $932.99 in interest
Understand
Reports that answer a question.
Twelve months of history, category trends, and pacing that tells you mid-month whether you are on track — while there is still a month left to change it.
- Spending reports and advanced insights
- Overspending alerts before the period ends
- Forecasting, pacing and net worth (Ultimate)
- CSV export on Premium, PDF reports on Ultimate
Share
A workspace, not a merged budget.
Ultimate adds a second, separate workspace — for a household or a side business — that stays isolated from your personal one. Invite up to four others, give them roles, cap what they can spend.
- Kept fully separate from your personal budget
- Roles and permissions per member
- Per-member spending limits
- Approval workflows over a threshold you set
- Collaborative notes on transactions
Car service
$420.00
alex@example.com
$1,240.00
18 transactions
Top Spending Categories
jordan@example.com
$286.00
11 transactions
Top Spending Categories
max@example.com
$42.00
4 transactions
Top Spending Categories
Sync & platforms
Offline first, synced second.
The app runs entirely on your device. Sync, on the paid tiers, is something it does in the background — never something the interface waits for.
Works with no signal
Every screen, every edit, every report works offline. Changes queue and reconcile when you are back.
iOS & Android
Native apps built from the same codebase, with home-screen widget shortcuts for quick adds.
Any browser
Installs as a PWA on desktop and mobile. Same data, same features.
Learning
Thirteen modules, built in.
Short slide-based lessons that teach the method rather than the buttons. Four modules are on the free tier; the rest come with Premium.
Financial foundations
Cash flow, sinking funds, emergency funds, and why the month keeps ending early.
Envelope budgeting
Funding, rollover, moving money, and what to do when an envelope runs dry.
Using Minturn
Allocation rules, recurring bills, labels, reconciliation and reports.
Building habits
Streaks, the weekly review, and getting past the month-three cliff.
Start with the free tier.
Ten envelopes and fifty transactions a month is enough to find out whether the method suits you.
Never Summer Mountains · mark byzewski, CC BY 2.0
