Envelope Budget - Kualia 4+

Envelope budget management for the first-time budgeter, and personal finance pro. Add savings & expense envelopes and easily fund them with linked accounts. Enjoy extremely easy envelope budgeting at your fingertips with Kualia. Envelope budgeting can make the usually boring task of financial planning and make it fun. Keep track of your income, expenses, net worth, bills and all your transactions across several accounts.

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Recent 5-Star Reviews

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Fantastic Envelope Budget App: “For those familiar with envelope type of budgeting, or zero-sum budgeting, this app really nails it. For a fraction of the price of competitors, it offers pretty much the same functionality, it's being actively developed, and the developers are super friendly and really prioritize user feedback and customer support. I've contacted the developer a few times and I have gotten always a positive response. Really nice to see alternatives to established players come up and compete with them.”

Love This App: “I’ve spent a long time and numerous app downloads to find a budget app that meets all my needs and this is the one! This app is so easy to use and covers every single aspect that I am looking for when it comes to a budget app.”

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Envelope Budget with Kualia

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Kualia was purpose built on the envelope budget method, taking what was once a manual process and bringing it to your mobile device. Envelope budgeting doesn't have to be for cash-only individuals.

ENVELOPE BUDGETING

Kualia is purpose built to act identical to envelope budgeting with physical envelopes and cash.

- Create endless envelopes (categories) for your envelope budget
- Add transactions and track expenses with the ultimate ease
- Track all your account balances in one single location
- Pay off debt and manage subscriptions
- Keep your bills in check & stay on top of payments
- Take control of your financial future

BANKING INTEGRATION

With a digital envelope budget, you aren't required to manage cash on hand. (Though we do offer cash-based accounts for those that prefer the traditional envelope budget).

- Easily connect to your banking institutions
- Secure connection with Plaid
- Connection available for 1,000’s of financial institutions
- All information securely encrypted for maximum security

INSIGHTFUL REPORTING

Say goodbye to tons of excel math & manually created charts & graphs. Kualia’s reporting gives you detailed insights on your envelope budget in an instant… No excel formula wizardry required!

- Integrated reporting capabilities for easy viewing
- Keep track of your net worth
- View graphs for net worth
- Track spending month over month
- Discover your top spending categories
- Track balances of savings accounts
- Track balances of checking accounts
- Manage credit card balances

ENGAGING TRANSACTION REVIEW

Envelope budgeting with Kualia can make transaction review fun & intuative.

- Swipe to reflect transactions
- Plugs directly into your envelope budget
- Review pending & cleared transactions
- Link manually created transactions to bank synced transactions
- Makes reflection quicker and more fun
- Save hours by reflecting as transactions come in
- Easy and intuitive, no finance degree required

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Our Simple Subscription Only Model - No Ads Ever

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- Kualia is an auto-renewable subscription, billed monthly or annually.
- After your initial 14-day free trial, you must subscribe to continue using the app.
- There is no free version with less features.
- There are no ads in any version of Kualia.
- Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current billing period.
- Any unused portion of the free trial period, if offered, will be forfeited when the user purchases a subscription to that publication, where applicable.

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