ourBudget : Envelope Budgeting

ourBudget is a professional, privacy-first, low cost, high value envelope budgeter designed for those who want to gain complete understanding and control of their finances. • No Accounts • No Subscriptions • No Ads • No Paywalls • No IAP's • No Data Collection • RECLAIM YOUR FINANCIAL INTENTION A lot of the "big" budgeting apps turn your budget into a passive receipt-tracker. They hide your spending habits by auto-syncing transactions to your bank accounts. ourBudget is different. We believe that deliberate interaction is the key to financial control.. SIMPLE SETUP 1 Choose a preset envelope set 2 Add your accounts and balances 3 Add your recurring income 4 Start spending SIMPLE TO USE Whilst adding a transaction in the app, you can create a new envelope on-the-fly if required. You can mark any spend as a "recurring" spend and setup up a recurring transaction during entry. No separate, painstaking setup required. Adding new transactions is a tiny, 1 minute action that you repeat now and again throughout the day. By the end of your first month using the app, your budget will be a full and rigorous example of your essential monthly costs vs income. Without even realising it was happening, you will have a fantastic new awareness of your monthly budget. Not only that, you will be actively shaping your budget, balancing category targets and gaining a deep understanding of your personal finances. It is a deliberate process - you add and allocate your money from every spend. You can't get this from "syncing bank accounts". This is your tiny sacrifice in exchange for full understanding of your personal finances. WHY OURBUDGET? • Privacy First: Your data stays in your iCloud. No accounts, no third-party servers, no data collection. • No Hidden Fees: No subscriptions, no paywalls, no ads. • Manual Control: Log transactions intentionally to acknowledge every financial decision. • Envelope Method: Distinguish between where your money is (Accounts) and what it’s for (Envelopes). • The "Effective Budget": Don't just see a balance. Know your true available spending money after fixed costs and goals. APP FEATURES • The Dashboard: A one-shot overview of your current budget. When your budget needs attention, it shows up here. • Envelopes Tab: Everything you need to know, or control, about each of your categories in one view • Quick Reconciliation: Keep your budget accurate with a transaction matching algorithm. • Quick Spend entry - Log your spends in under 5 seconds directly from the lock screen. • Recurring Transactions: Auto-surfaced to the dashboard, ready for your confirmation. • Month-End Ritual: A guided review to handle rollovers and celebrate savings. • Minimal Configuration: Add your accounts and balances and your income and you're good to go. A precision budget will self-build over time as you use the app. • Informative insights: See where and when you're spending the most. Compare your budgeting to last month, and more! PRO-USER FEATURES • iCloud Sync & Sharing: Seamlessly manage household finances with a partner using real-time iCloud sharing via CloudKit technology. • Action Button Ready: Use iOS Shortcuts to log a spend in 2 seconds from your Lock Screen. THE OURBUDGET PHILOSOPHY ourBudget is not just a passive ledger on your phone. ourBudget was built to be an active, intentional financial engine. It is designed to be a pleasure to use, encouraging continuous engagement and giving you the tools to start proactively shaping your finances. Take control. Be deliberate. Download ourBudget today.