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Letting people in from the waitlist

Give every dollar a job. Then relax.

Capybudget is a calm, fast envelope budget for the money you actually have. Plan the month, see what's safe to spend, and let the rest soak.

No spam. One email when your budget is ready.

Everything in one calm place

All the envelope budgeting. None of the stress.

The tools you need to run a monthly plan, and none of the ones that make you feel behind.

Plan the month

Assign the money you have to categories. Move it around when life happens; every move is logged.

Targets and notes

Set aside a monthly amount per category. See what is underfunded at a glance, or snooze a target for a month.

Reports

Spending by category, income vs. expense and net worth, with every number one click from its transactions.

Scheduled transactions

Rent, salary and subscriptions enter themselves on time, transfers included.

Splits and tags

Split one receipt across categories and tag what matters, all in a fast keyboard-friendly register.

Reconcile

Match your bank balance in seconds. A red dot flags accounts with uncleared transactions.

Undo anything

Assigned to the wrong category? Deleted the wrong row? Undo and redo cover it.

Coming from YNAB?

We bring your accounts, categories, payees and full transaction history across when we set you up.

See every feature
How it works

Three habits. That's the whole method.

Envelope budgeting, the way it was meant to be: simple rules, applied to real money.

  1. 1

    Assign what you have

    Money that lands in your accounts goes to Ready to Assign. Give every dollar a category until it reaches zero.

  2. 2

    Spend from categories

    Transactions draw down their category. Green means there is still money to spend; yellow means a target still needs some.

  3. 3

    Roll with it

    Overspent? Red shows exactly where. Move money from another category to cover it, and carry on.

On your phone

Pocket-sized, not cut down

Capybudget installs to your home screen and behaves like a native app: full screen, swipe back, pull to refresh, sheets that follow the keyboard.

  • Install from the browser on iOS and Android
  • Phone-sized controls and 44px tap targets
  • Light and dark, following your system
Works with Claude

Ask Claude about your budget

Capybudget has a built-in MCP server, so Claude (in Claude.ai or Claude Code) can read your budget and make changes for you. Anything destructive asks for your approval first.

  • "How much did we spend eating out this quarter?"
  • "Add this receipt and split it between groceries and household."
  • Deletes, bulk edits and reconciles always need your OK
FAQ

Questions, answered calmly

What is envelope budgeting?

You split the money you have into categories ("envelopes") before you spend it. When an envelope is empty, you either stop spending or move money from another one. Capybudget does the bookkeeping so the envelopes are always right.

How do I get access?

Join the waitlist. We're letting people in a few at a time and will email you when your budget is set up. Joining is free and takes one email address.

Does it connect to my bank?

Not yet. You add transactions yourself (it is fast, and many people find that is what keeps them honest), set up scheduled ones for anything recurring, or ask Claude to enter them for you.

I use YNAB. Can I bring my budget?

Yes. Your accounts, category groups, payees, every transaction (with splits and transfers) and every month of assignments come across. One difference: Capybudget has no credit card accounts or payment categories, by design.

Why no credit cards?

Credit card handling is where envelope budgets get confusing. Capybudget keeps to cash, checking, savings and tracking accounts, and overspending stays in its own category until you cover it.

Which currencies are supported?

Each budget has its own currency, including zero-decimal ones like the Indonesian rupiah and Japanese yen, and its own time zone, so the month rolls over on your calendar, not a server's.

Is there a phone app?

Capybudget is a web app you can add to your home screen on iOS and Android. It runs full screen, with phone-sized controls and swipe back, so it feels like an app because it is one.

How does the Claude integration work?

Capybudget includes an MCP server. Add it to Claude.ai or Claude Code and Claude can read your budget, add transactions, move money and more. Deleting, bulk edits and reconciling always ask for your approval first.

Ready for a calmer budget?

Join the waitlist and we'll let you know as soon as your spot opens up.

No spam. One email when your budget is ready.