My Sister's Budget is envelope budgeting made warm, simple, and actually doable — for real people with real lives.
She had a gift for making complicated things feel simple. She believed anyone could get on top of their finances — not through restriction, but through clarity and a little grace.
She used envelopes. Real ones, on her kitchen table. Every paycheck was sorted, every bill planned for, every dream had its own spot. She passed this system down to her family, and it changed lives.
This app carries her wisdom forward — so more people can feel the peace of knowing exactly where their money is going.
"Money — you spend it, you save it, and if you're like most people, you worry about it. This system changes that."
— My Sister
No spreadsheets. No financial degree. Just a system that works for how real families live.
Create categories for every part of your life — rent, groceries, gas, fun money. Each one holds its own budget.
Every paycheck gets divided into your envelopes. You always know what you have — no guessing, no overdrafts.
Log each purchase to the right category. Watch your envelopes update in real time. That's the whole system.
Upload your bank CSV or PDF and transactions fill in automatically with smart duplicate detection.
Take a photo of any receipt and the app reads the merchant, total, and date automatically.
Track spending, monitor goals, and get a monthly budget health grade — A through C.
"That simplicity unlocks a powerful system that can allow individuals to feel calm about their finances, perhaps for the first time in their lives."
In the early days of budgeting, people labeled envelopes to store cash — groceries, gasoline, housing. Each envelope was a savings account of sorts. My Sister draws on that method and expands on it for the modern world.
Not saving for things that happen every once in a while — car repairs, medical emergencies — leads to financial worry and credit card debt. My Sister lets you plan for everything, including personal spending money for each person in the household.
With a library of tutorial videos to answer common questions, we expect you'll find the system easy to implement. The real power is unlocked in the initial setup — and we have tutorials to help with that too.
First, the truth — there is nothing magic or groundbreaking about My Sister's Budget. Most of the principles used and taught are available and have been employed in various budgeting systems for many years. What sets My Sister's Budget apart is that it combines all of the best practices and insights in one place and keeps it simple.
Users are able to decide on all spending categories — those expenses that happen monthly and those that only happen once in a while, such as car repair or medical emergencies. We have found that not saving for the things that happen every once in a while leads to financial worry and often to unwanted credit card debt.
My Sister allows you to plan for everything and to set aside portions of income each time you're paid to save up. No more wondering if we have personal money to spend on hunting, golfing, new clothes, etc. Each person in the household has their own category with regular funding and can do with it what they want. And the system holds us each accountable.
Life is too short to let personal finance be a worry. We guarantee that those who implement and use this system will find a new level of peace and control with their finances. My Sister's Budget — from our family to yours.
The real things she said. The kind of advice you'd only get from someone who truly loved you.
Every paycheck should be planned before it hits your account. That moment of intention is everything.
Money without a category has no purpose — and money without purpose disappears.
Going $5 over once is fine. Going over every month means your budget is wrong — fix the budget, not the guilt.
A 10-minute weekly check-in keeps everything current and stops you from avoiding your numbers.
If there's no room for fun, you'll quit. A guilt-free "fun money" envelope makes the system sustainable.
You won't get the amounts right the first time. That's expected. Just start — you'll adjust as you go.
Short walkthroughs for every part of the app. No fluff, no filler.
Walk through the setup wizard and create your envelopes from scratch.
Getting StartedReceive income and distribute it across your categories.
IncomeDownload your CSV from your bank and import it in seconds.
ImportTake a photo and watch the app fill in the details automatically.
Receipt ScanningUnderstand your monthly summary, budget vs actual, and savings goals.
GoalsWhen life happens, shift money from one category to another.
Managing MoneyOne time. Yours forever. No subscription, no hidden fees.