How it works

A budget you can update while life happens.

Budgeter combines the envelope method with connected account activity. You decide where available money should go, then transactions show what each pocket can still do.

1

Bring account activity together

Connect supported accounts so balances and transactions can be used as the source of truth for your budget.

2

Fund the important pockets first

Assign available money to obligations, essentials, savings goals, and the spending categories you want to keep under control.

3

Categorize what actually happened

Transactions consume the pocket they belong to, so the budget reflects real spending rather than a separate manual ledger.

4

Repair the plan when reality changes

Move money between pockets, correct transaction details when needed, and keep the month understandable instead of starting over.

Core ideas

The system is intentionally concrete.

Budgeter is not trying to impress you with predictions. It is trying to make the next spending decision obvious.

Pockets show trade-offs

If groceries need more money, you can move it from another pocket deliberately instead of discovering the shortfall later.

Transactions keep score

Categorization turns bank activity into budget impact, so each purchase has a visible place in the plan.

Shared money gets context

Household finances are rarely one-person systems. Budgeter is designed to work with shared account access and shared budget participation.

Corrections are expected

Banks, providers, and humans can all be imperfect. Budgeter gives space for adjustments instead of pretending the feed is always enough.

Try the pocket method with your own numbers.

Start small: connect an account, create a few pockets, and see what becomes clearer after the first week.