YNAB-style envelopes without the YNAB price tag
Assign every dollar of income to an envelope. When life changes mid-month, move money between envelopes in one click. Shared household envelopes are included.
Ready to Assign pool
All income lands in a single pool until you assign it. At a glance you know how much is unassigned.
Move money between envelopes
Overspent groceries this month? Pull from dining out. Two clicks, audit log preserved.
AI Fill (Premium)
Let WIMM suggest envelope amounts based on your last 3 months of spending. Review and tweak before applying.
Shared household envelopes (Premium)
Set up shared envelopes for joint expenses (rent, groceries, kids). Each household member sees real-time balances.
Frequently asked questions
Is envelope budgeting the same as category budgeting?
No. Envelopes work on assignment — you fund each envelope from income, and overspending one draws from another. Category budgets just compare spend to a static target.
Can I roll over unused envelope amounts?
Yes. Each envelope has a roll-over toggle. Useful for irregular expenses like car repair or annual insurance.
What happens when I overspend an envelope?
WIMM flags it red and prompts you to move money from another envelope to cover it, or accept it as a deficit.
Does this work without bank connections?
Yes. Envelope budgeting works equally well with manually-entered transactions.
Try Envelope Budgeting today
The demo includes this feature with realistic data. No signup required.