Apps similar to EnvelopePal include GnuCash, which is free and open source. Other options are HomeBank, MoneyManager Ex, Actual Budget and Waterfly III. There's no shortage of Budget Managers like EnvelopePal, with more than 50 alternatives for Windows, Mac, Android, Linux and the web.
Free accounting software for small businesses and accountants - Unlimited invoicing, client management, smart tagging, and payroll integration - Free QuickBooks alternative.
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With Debitum you can track all kinds of IOUs, be it money or lent items. This way you will never more forget if your friend already gave you back that book or dispute about how much you owe your colleague for coffee.
