Envelope budgeting, without the bank connection
Know where it went.Keep the ledger with you.
Scan a receipt, say an expense, or type it. Upwardo prepares an editable envelope suggestion without asking for your bank login—or an account.
- No bank access
- Works offline
- Export stays free
July stack$412 unassigned
Sealed on this device
Home$1,450
Groceries$312
Eating out−$23
Future you$300
One small habit
Record it while you still remember it.
- ScanRead the receipt locally.
The photo stays on your device. You edit the draft before it becomes an entry.
- SpeakSay “coffee, six fifty.”
A transcript becomes a draft, never an unquestioned ledger fact.
- TypeUse the dependable fallback.
Full manual entry always works offline and never sits behind a paywall.
DATA RECEIPT · YOUR COPY
What leaves this device?
- Ledger sync
- Ciphertext only
- Plaintext key
- Never
- Receipt photo
- Never
- CSV export
- When you ask
You can use every core budgeting feature on one device without creating an account.
The whole price, up front
$59.99/year
Sync every device, raise the normal-use AI allowance, and get a monthly review.
$7.99/month$169 once7-day free trial
Free forever: one device, full envelopes, 20 AI drafts a month, and lossless CSV.
Compare the plans