Comment by joshuakcockrell

I'm building Envelope — a banking product purpose-built for envelope-style budgeting.

Most “budgeting banks” (Ally Buckets, Wells Fargo Budget Watch, etc.) bolt budgeting on after the fact. Envelope was designed from day one as an integrated budgeting bank account. The checking, savings, and debit cards are all built around real-time envelope balances.

Each envelope acts like a dedicated account with its own balance and optional virtual card. Spending directly from an envelope means your budget is always accurate — no syncing, no spreadsheets, no “catch-up” categorization. Everything runs on-ledger with automatic spend-locking and instant visibility.

We’re a small YC-backed team (former Robinhood and Apple Card team members) focused on rebuilding personal finance from the ground up to be simple, and transparent https://envelopebudgeting.com