Same budget, for different lives.

The default. Type transactions in as they happen, assign every dollar to an envelope, and never connect a bank at all. Nothing about the budget is degraded by staying manual.

Keep your own budget and a shared one under the same login. Up to four people with contributor access, so a partner can enter their own spending without you re-keying receipts.

Funded spending reserves the payment cash automatically, so paying the card never quietly breaks another envelope. Debt payoff insights show the order and the finish date.

Give the envelope a monthly goal and watch the progress bar rather than doing the arithmetic. Overfunding and underfunding are both visible before the month ends.

Classify business against personal as you go, tag deductible categories, and pull a tax-year summary with exports when your accountant asks for one.

Import your budget and history rather than starting from an empty month. Imports match what you already entered instead of duplicating it, so a partial migration does not double your ledger.