Plan your cash envelope budget system. Allocate income to categories and get printable envelope labels.
Enter your income or use a preset budget template
Create categories and allocate amounts
Divide your monthly income into categories (envelopes). Fill each envelope with cash for that category. When an envelope is empty, you're done spending in that category until next month. This creates natural spending limits.
Not necessarily! While cash envelopes work best for controlling spending, you can use digital envelope budgeting apps (like YNAB or Goodbudget) that track virtual envelopes while you use debit/credit cards.
Start with essentials: groceries, gas, dining out, entertainment, personal care. Don't use envelopes for fixed bills (rent, utilities) - those stay in your bank account for auto-pay. Focus on variable expenses where you tend to overspend.
Pair your envelope budget with a savings challenge to maximize your financial goals
Take-Home Income: $4,000
Total Allocated: $0
Remaining: $0
Status: Perfect Balance
| # | Category | Amount | % of Income |
|---|---|---|---|
| 1 | Rent/Mortgage | $1,200 | 30.0% |
| 2 | Groceries | $400 | 10.0% |
| 3 | Utilities | $150 | 3.8% |
| 4 | Transportation | $300 | 7.5% |
| 5 | Entertainment | $200 | 5.0% |
| 6 | Savings | $400 | 10.0% |
• Withdraw cash on payday and fill physical envelopes
• Once an envelope is empty, stop spending in that category
• Roll over unused amounts to next month or savings
• Use digital envelope apps if you prefer card payments