Budget tracker
A budget that plans ahead.
Decide what your money is for before the month spends it: envelopes for rent, groceries and fun, filled from the money you already have. Your spending, your accounts and your investments sit in one place, encrypted on your device.
14 days of everything · Then a free plan that never expires · Export on every plan
Envelopes12 · €3,140.00 assigned
Find an envelope
EnvelopeAssignedSpentLeft
Living4€1,970.00€1,920.90€49.10
Rent€1,200.00Sep €1,200.00€1,200.001 payment€0.00
Groceries€450.00Sep €450.00€412.409 payments€37.60
Utilities€180.00Sep €180.00€212.403 payments-€32.40
Transport€140.00Sep €160.00€96.104 payments€43.90
Fun2€470.00€184.20€675.80
Dining out€220.00Sep €200.00€184.206 payments€35.80
Travel€250.00Sep €250.00€0.00none yet€640.00
12 envelopes€3,140.00€2,412.30€1,117.70
Envelopes
How does an envelope budget work?
You assign the money you have, month by month. Every expense draws its envelope down, and what is left rolls over.
Open any envelope
Spending Pro or Turbo Pro
See what is left and what was spent, beside last month and your average. Fill it with last month's amount, last month's spending or your average in one click, and every payment that drew it down is listed under it.
- Six months of spending at a glance
- Overspent? Cover it from Available to assign, or move money from another envelope
- Unspent money rolls into next month
Spending
Where did the month go?
Every euro of the month, from where it came in to where it went, and what you kept.
Follow every euro
The Breakdown follows every euro of the month from where it came in to where it went: each category, what moved to your brokers and what you kept. Transfers between your own accounts stay out of your spending.
- On every plan, free included
- Each month against your own average
- How it is calculated, written out beside the figures
€4,690.00
+7.4% vs your average
€3,010.00
-7.1% vs your average
€650.00
+8.3% vs your average
€1,030.00
22% of money in
Everyday account +€480 · Savings +€400 · 1 more
How much are you keeping?
Money in above the line, spending and investing below it, and a line for what you kept. Click a month and the Breakdown turns to it. Because your investments live here too, what you keep shows up in your net worth.
- Months or whole years
- Pick a category to see it month by month against its average
Wallet
Is every account in one place?
Current accounts, savings, cash, cards and loans, and the money you moved to your brokers.
Every account, every transaction
The Wallet lists your accounts by kind, with the cash you have, what you owe and what that leaves. Beside them, every transaction by day, with its category and account. Pick an account to see its running balance.
- Cards and loans count as debt, so your net worth stays true
- Leave an account out of the budget, like savings you do not spend from
- Transfers between your own accounts stay out of your spending
Imports
Do you have to type it all in?
No. Bring in your bank's statement files, or your history from another budgeting app, in three steps.
- CSVXLSX1
Export your history
Download it from your broker or bank: the file it already gives you.
- CSVDrop your file hereor choose oneRead on this device. Your file is never uploaded.2
Drop the file in
Files, not logins. It is read on your device and encrypted before anything reaches us, so we cannot read your data.
- Review before importing248 rowsVWCEBuy-€1,689.60VWRLDividend+€96.40EIMIBuyDupImport 245 transactions3
Check it, then import
Every trade, dividend and fee as your broker booked it, with duplicates marked. Nothing is saved until you import.
Ready-made for 60+ brokers, banks and apps
Anything else comes in through Generic CSV: you match its columns once.
Broker, bank and app names and logos belong to their owners and appear only to show which export files Turbobulls reads. Turbobulls is not affiliated with, endorsed or sponsored by any of them. To have a logo removed, write to hello@turbobulls.com.
End-to-end encrypted
Who can see your budget?
Only you. It is encrypted on your device before it is saved, so we cannot read it, on any plan.
Encrypted on your device, before it is saved
Your data is encrypted in your browser with AES‑256 and stored on our servers as ciphertext. The key opens only with your workspace password or its recovery key, and the password never leaves your device.
- Each workspace has its own keys
- Files, not logins: we never ask for your bank or broker password
- Paid for by subscriptions: no ads, no advertising trackers in the app, no data sales
Questions about budgeting
What people ask before they move their budget in.
Plan the month with the money you have
14 days of everything, then a free plan that never expires.