Allocate the must-pays. Just track the rest. Your money has a future you can see. Your data never leaves your devices.
Every dollar gets a job. Categories inside an envelope split that job into details: locked must-pays like rent, loose tracking like coffee. Same envelope, your call on how tight.
Sixty days of paychecks, rent, subscriptions, and what's already on the calendar, projected as a single line through your real balance. See the dip before it hits.
When the paycheck lands, you fund what matters first. Rent and the must-pays. Then top off the goal. Whatever's left rides in the flex envelope. The math takes seconds.
Most apps pretend every dollar deserves a spreadsheet. werkBudget admits the truth: a few categories need real money set aside, and the rest just need to be seen.
Two modes per category. Rent, utilities, subscriptions get locked allocations. Coffee, takeout, weekend wandering just count up so you see them in reports. Switch any time.
By default, a swipe drains your envelope right away. So when the statement lands, the cash is already set aside. Carrying a balance? Flip the card to Credit mode and it waits until you pay the bill.
Pick a symbol and color for every account and every goal. Two checking accounts at the same bank stop looking identical. Your eye lands on what matters in one beat.
werkBudget runs natively on Mac too. Drop a CSV from your bank into the Mac inbox, sort fast with your trackpad, and the rows are already on your iPhone before you close the lid.
iCloud syncs your envelopes across iPhone and Mac. Same private database. No extra account.
werkBudget is local-first. Sync happens through your own iCloud private database. Nobody else, including us, can see it.
werkBudget is in beta on iPhone and Mac. Request an invite below and we'll send you a TestFlight link by email.
Request a beta inviteOr email werkbudget@werkey.tech directly.