01
Create your envelopes
Divide your budget into digital envelopes for specific expenses such as groceries, bills, transport or entertainment.
Start planning your budget
Track digital envelopes manually without a bank, or connect an account read-only and import transactions automatically.
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
Everything you need to run your budget
From your first plan to everyday spending control, every tool works together to show what you can genuinely afford.
Manual entry or bank sync
Add income and expenses manually, or optionally connect a bank read-only - your data will then sync automatically three times a day.
Automatic transaction categorisation
Imported transactions are automatically recognised and assigned to the appropriate envelopes.
Automatic salary allocation
MONVELOP automatically distributes salary among the envelopes selected by the user.
Financial goals
Set a target, deadline and amount, then track progress alongside the rest of your budget.
Disconnect your bank
Disconnect your bank account in settings at any time and continue tracking your budget manually.
THE APP IN ACTION
See inside MONVELOP
Explore the key screens before creating an account. Switch modes to see how everyday budgeting works.
Budget tracked manually
You choose how to track your budget
Start without linking an account or choose automatic bank import. Envelopes, planning and spending insights work in both modes.
Manual tracking without a bank
Add expenses, income and salary yourself, then distribute money among your envelopes. A bank connection is not required.
Automatic bank import
Connect an account so MONVELOP can synchronise balances and transactions three times a day and help keep your budget current. Bank-data access is read-only.
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. You can choose manual mode and add expenses, income and salary yourself. A bank connection is optional and is used for automatic balance and transaction imports.
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.