Minturn Money

Minturn Money is envelope budgeting for people who would rather plan than reconcile. Split your real balance into envelopes, spend from them, and always know what's actually left - without handing anyone your bank login.

NO BANK LOGIN REQUIRED Most budgeting apps connect to your accounts through a third-party aggregator. Minturn Money doesn't connect to your bank at all. Enter transactions yourself, or import a bank statement (OFX, QFX, or CSV) - so there's no credential to store and nothing for anyone to breach.

THE ENVELOPE METHOD Envelope budgeting is a hundred-year-old method that still works, because it puts the decision before the purchase instead of after it.

• Fund: income arrives in one pool; hand it out to envelopes until every dollar has a job
• Spend: log a purchase against its envelope and watch the real number drop
• Adjust: short on one, spare in another? Move it across on purpose

ONE BAR, THE WHOLE STORY Most budget apps give you a percentage. Minturn separates what you've spent from what's still there - funded, spent, left, and overspent all read differently, and a rolled-over balance always counts as funded.

OFFLINE FIRST The whole app runs on your device. A tunnel, a plane, or a dead router changes nothing. Cloud sync is optional and off until you turn it on.

BUDGET PERIODS THAT ROLL OVER Monthly, weekly, or biweekly periods, each with its own real figures. Unspent money in an envelope carries forward automatically.

DEBT PAYOFF PLANNING Track what you owe alongside what you spend. Compare snowball against avalanche strategies and see the real payoff date and interest each one produces.

INSIGHTS THAT CATCH PROBLEMS EARLY Twelve months of history, category trends, and overspending alerts mid-period - not a post-mortem on the 1st.

SHARED BUDGETS A separate, shareable workspace for a household or side business, with member roles, spending limits, and purchase approval workflows.

BUILT-IN LEARNING Thirteen short, slide-based lessons covering budgeting foundations, the envelope method, and the habits that make it stick - four free.

PRIVACY BY DESIGN Your budget lives in a database on your device. Cloud sync is optional. On-device encryption locks sensitive fields behind a passphrase. Category suggestions come from an on-device AI model - nothing about a transaction ever leaves your phone to get one. Export everything to CSV, any time, on any tier.

FREE, FOR REAL 10 envelopes and 50 transactions a month, forever, with no card required. Upgrade only when you outgrow it.

Premium unlocks unlimited envelopes, cloud sync across devices, account tracking, custom budget periods, and more. Ultimate adds a shareable family workspace, bank reconciliation, budget forecasting, and net worth tracking.

Questions? Reach us anytime at minturn@rockymountainapps.com.

Terms of Use: https://minturnmoney.com/terms.html