01
Create your envelopes
Divide your budget into digital envelopes for specific expenses such as groceries, bills, transport or entertainment.
Start planning your budget
Create your first digital envelopes and see where your money actually goes.
How does MONVELOP work?
A simple way to plan your budget and keep everyday spending under control.
02
Plan your spending
Allocate money to each envelope and immediately see how much you can spend in every category.
03
Track your expenses
Monitor envelope balances and transaction history so you always know where your money goes.
What is envelope budgeting?
Envelope budgeting is a simple way to organise your money. Instead of treating all available funds as one balance, you divide them between specific spending categories and goals.
MONVELOP brings this method into a digital format. You can create envelopes for everyday expenses, monitor available funds and review your transaction history without managing your budget in a spreadsheet.
Your budget in digital envelopes
Everyday spending
Bills and payments
Goals and savings
Keep your budget under control
Digital envelopes
Create separate envelopes for different categories and goals.
Expense tracking
See how much money remains in each envelope.
Transaction history
Review previous transactions and better understand your spending.
Budget planning
Decide in advance how you want to use your money.
Your account. Your control.
MONVELOP can import transaction information to make it easier to keep your budget under control. Access to bank data is read-only and is used for information needed to manage your budget.
We do not make transfers or payments from your account.
Frequently asked questions
MONVELOP is an app for planning a home budget and tracking everyday expenses with digital envelopes.
Envelope budgeting means dividing your available money between specific spending categories. This lets you decide in advance how much you want to spend on each purpose.
No. MONVELOP replaces traditional envelopes with digital budget categories.
Yes. You can monitor the available money in your envelopes and review transaction history to keep your budget under control.
No. MONVELOP is designed to make budgeting simple and understandable.
No. The bank connection is read-only. MONVELOP can read balances and transactions, but it cannot initiate payments or transfers.
No. Authorisation takes place on your bank's website. MONVELOP does not ask for or store your bank login or password.
Only information needed to manage your budget is imported, including account balances and transaction history.