// SCORE BREAKDOWN
Envelope budgeting without subscriptions or accounts shows strong indie philosophy, but established category with limited innovation.
// ABOUT
Private Budget Envelopes is a paid, local-first envelope budgeting app for people who want simple monthly limits without a bank connection or subscription. Create envelope-style monthly categories, log spending against one envelope at a time, review remaining balances, check over-budget envelopes, reset the month when you are ready, and copy or share a simple CSV snapshot for your own spreadsheet. The app is intentionally private. There is no account, no subscription, no advertising SDK, no analytics SDK, no tracking, no cloud sync, no bank connection, and no developer-server upload. Envelope names, budget limits, spending entries, notes, and CSV exports stay on your device unless you choose to copy or share exported text through iOS. Private Budget Envelopes is an organization and budgeting tool. It does not provide legal, tax, accounting, investment, banking, credit, or financial advice.