50/30/20 envelope budgeting — assign every dollar a purpose, know exactly where your money goes, and stop wondering why you're broke at the end of the month.
35-day free trial · No credit card required · Cancel anytime
When money comes in, decide what it's for—even if the bill isn't due yet.
Plan around real dates and real costs: subscriptions, irregular bills, and known upcoming stuff.
If plans change, move money around on purpose and keep rolling.
Set aside money ahead of time so bills don't feel like surprises.
Allocate every dollar to a named category before you spend it. Know exactly what's available in each envelope at all times.
Connect checking, savings, and credit accounts. Your Ready to Assign balance reflects your true cash position.
Set up bills, subscriptions, and income on a schedule. iHAB logs them automatically so nothing slips through.
Move money between envelopes or accounts with ease. Split transactions across multiple envelopes for full accuracy.
See monthly spending trends, envelope history, and annual summaries. Spot patterns and make smarter decisions.
Switching from YNAB? Import your full register history — transactions, splits, and transfers — in one step.
Envelope budgeting means you assign every dollar a purpose before you spend it. You create named "envelopes" for each spending category — Groceries, Rent, Fun Money — and allocate a fixed amount to each one every month. As you spend, the envelope balance decreases. When it's empty, you're done spending in that category, or you move money from another envelope.
You get a full 35-day free trial with no credit card required. All features are available from day one. When your trial is within 7 days of expiring, you'll see a reminder in the app. After your trial ends, your data is preserved — you just need to subscribe to continue.
Monthly is $8/month, billed each month. Annual is $60/year ($5/month), billed once — you save $36 (37%) compared to paying monthly. Both plans include every feature.
Yes. Cancel anytime and your subscription won't renew. You keep full access until the end of your current billing period.
Export your YNAB register as a CSV and import it into iHAB in one step. Transactions, splits, transfers, and starting balances all come across. You can be up and running in minutes.
Your data is stored in a private database scoped to your account — no other user can see your budgets. All traffic is encrypted via HTTPS. iHAB does not sell or share your financial data.
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