Personal budgeting · Waitlist

Envelope budgets
that actually stick.

Zero-based, envelope-style budgeting for individuals, couples, and households. Built for multi-currency Caribbean life — USD + BSD + whatever else is in your wallet.

PricingFrom $5.99/mo
PlatformWeb + iOS + Android
LaunchBeta Q3 2026
Budget Harbor · November
Ready to assign
$0.00
This month
$4,820.00
Rent$1,400 / $1,400
Groceries$342 / $600
Transport$221 / $180
December trip$720 / $1,200
Features

Built for the job.

The sharp stuff Budget Harbor actually does — not a list of buzzwords.

01

Envelope budgets

Give every dollar a job. When an envelope is empty, you stop spending there.

02

Shared households

Couples & families see one plan. Splits, notes, per-person spending — no surveillance.

03

Multi-currency

USD + BSD + KYD in one budget. FX auto-applied at your preferred rate.

04

Bank import

CSV import today; direct bank sync for supported institutions on the roadmap.

05

Goals & sinking funds

Down payment, December holidays, school fees. Save toward specific things, visibly.

06

Private by default

No ads, no selling transaction data. End-to-end encrypted sync.

How it works

Zero to live
in four steps.

Step 01

Add your accounts

Checking, savings, wallets. Import a month of transactions via CSV.

Step 02

Draft your envelopes

Rent, groceries, transport, fun money — envelopes that match your life.

Step 03

Assign every dollar

Zero-based means no unplanned income. Surplus goes to goals.

Step 04

Spend from the envelope

The balance tells the truth. Decide before you swipe, not after.

Who uses it

Built for these jobs.

Individuals

Solo budgeters

See where the money actually goes — and stop the drip.

Couples

Shared households

One plan, no fights. Private envelopes where they matter.

Families

Multi-generation

Nan in Freeport, parents in Nassau, kid at school abroad. One household budget.

Pricing

Simple & transparent.

Flat pricing. Clear tiers. No surprise per-transaction fees from us.

Free

Free forever

A taste. Not the whole meal.

  • Up to 3 envelopes
  • 1 month transaction history
  • CSV import
  • Single currency
Join waitlist
Most popular

Personal

$5.99 / month

The whole app. Built for one.

  • Unlimited envelopes
  • Full transaction history
  • Goals & sinking funds
  • Multi-currency (BSD/KYD/XCD/USD)
  • iOS, Android, web
  • End-to-end encrypted
Join waitlist

Household

$8.99 / month

Shared view for couples & families.

  • Everything in Personal
  • Up to 5 adults
  • Shared envelopes & split transactions
  • Private envelopes
  • Per-person spending
Join waitlist

Pro

$11.99 / month

Power users & advisors.

  • Everything in Household
  • Bank auto-sync
  • Cash-flow forecasts
  • Advanced reports
  • Advisor collaboration
Get early updates
FAQ

Straight answers.

Is it really free?
Yes. Personal & Household tiers will always be free. A future Pro tier is optional.
Does it connect to my bank?
CSV import today. Direct bank sync depends on local bank APIs — we're working on it.
How private is my data?
End-to-end encrypted sync. We can't read your transactions. No ads, no data sales.
Does it work in USD and BSD at the same time?
Yes. Hold envelopes in multiple currencies, set your own FX, see a single converted picture.