Decide where it goes before it's gone
Envelope budgeting made simple.
Minturn Money is envelope budgeting for people who would rather plan than reconcile. Split your real balance into envelopes, spend from them, and always know what's actually left — without handing anyone your bank login.
Everything you need, nothing you don’t
Virtual envelopes
Create an envelope for every category — rent, groceries, savings, fun. Decide where your money goes before you spend it.
One bar tells the story
Texture, not just color: what's spent, what's left, and what's overspent never blur together in a single glance.
Budget periods that fit you
Monthly, weekly, or biweekly — match your budget to how you actually get paid, with rollover between periods.
Offline-first, cloud-synced
Your budget lives on your device and works instantly. Premium adds seamless, secure sync across all your devices.
A household workspace
Ultimate shares a separate workspace with your household, with roles, spending limits, and purchase approvals.
Habits that stick
Recurring transactions, debt payoff planning, spending insights, home-screen widgets, and 13 built-in budgeting lessons.
One bar that tells the whole story
Most budget apps give you a percentage. Minturn Money separates the two things that actually differ: what you've spent, and what's still there to spend — with rollover counted as funded, so a carried envelope never looks short.
- Texture, not just color — spent and left never blur together
- Overspending shows up as its own color, not as ordinary spend
- Two dials for funded and spent, so both failure modes show
- Budget periods that match your paydays
Patterns, not just totals
Cumulative spending for the period tracked against a budget-pace line, plus the categories quietly growing — so a warning shows up while you can still do something about it, not as a post-mortem on the 1st.
- Spending pace vs. budget, not just a monthly total
- Largest spending labels for the period
- Overspending alerts mid-period
- Forecasting and pacing on Ultimate
A closer look
Simple, honest pricing
Start free. Upgrade when it pays for itself.
Free
- Up to 10 envelopes
- Up to 50 transactions per month
- 3 recurring transactions
- 5 labels · 2 savings goals
- Track up to 2 debts
- Basic spending insights
- Foundational learning modules (4 of 13)
- Monthly budget periods
- Local data storage only
Premium
$5.00/mo billed annually
- Unlimited envelopes, transactions, labels & goals
- Unlimited recurring & allocation rules
- Cloud sync across devices
- Account tracking (checking, savings, credit & loans)
- Custom budget periods (weekly / biweekly)
- Unlimited debt tracking
- Spending reports & advanced insights
- CSV export · multi-currency · photo receipts
- On-device data encryption
- All 13 learning modules
Ultimate
$7.50/mo billed annually
- Everything in Premium, plus:
- Separate, shareable workspace — share with up to 4 others
- Bank reconciliation against statements
- Member roles, permissions & spending limits
- Purchase approval workflows
- Budget forecasting & pacing
- Net worth tracking
- Debt payoff strategies (snowball / avalanche)
- PDF reports · collaborative notes
Questions, answered
Take control of every dollar
Minturn Money is free to start — build your first budget in minutes, right from your browser.