Real money lives in real envelopes. Categories classify spending — or hold the cash too — your call. Local-first on your iPhone; nothing leaves your devices.
Every dollar gets a job. Watch your envelopes fill as paychecks land, and feel it when you spend — because you actually moved something.
Routing rules decide what fills first. Goals get topped up, percentages take their slice, the remainder lands wherever you set as the catch-all.
Envelopes give structure. Categories give flexibility. You pick how rigorous each one needs to be — and change your mind whenever.
Use them as plain classifiers, or opt one into allocated mode when you want it to hold cash. Switch any time — your history stays put.
When you charge something, the money moves from your spending envelope into a reserve for that card. When the statement arrives, the cash is already set aside. Tracks your statement cycle, not the calendar month.
Three kinds: hit a target, hold a threshold, or contribute every period. Goals attach to any category — including the flexible ones.
werkBudget is local-first. The only sync is your own iCloud private database — nobody else, including us, can see it.
werkBudget is in external TestFlight. Tap below to request access — you'll get an email from Apple with the invite link.
Request TestFlight accessOr email werkbudget@werkey.tech directly.