Money Melon

Money Melon — Envelope budgeting, your way Give every dollar a job. Money Melon is a zero-based budgeting app for people who want real control over their money—without linking a bank account, creating an account, or handing their finances to another subscription service. Enter your income once, assign it to categories, log spending as you go, and always see what's left in each envelope. It's intentional budgeting: plan first, spend second. WHY MONEY MELON? • No bank connection — Your budget is manual by design. No logins, no aggregators, no waiting for transactions to sync. • Private by default — Data is stored on your device. We don't run servers that collect your transactions, income, or categories. No ads. No tracking. • Zero-based budgeting — Assign every dollar to a category before you spend it. "Ready to Assign" shows what still needs a job. • Category envelopes — Groceries, rent, fun—each category shows assigned, spent, and available at a glance, with clear progress when you're on track or overspent. • Quick logging — Add expenses and income in seconds. Use templates for everyday spending, split across categories when needed, and edit anytime. • Move money freely — Plans change. Reassign between categories or back to Ready to Assign without starting over. • Insights — See spending breakdowns, top categories, and trends over time. Switch to net worth to track assets and debts manually in one place. • Goals — Save toward targets with progress you can see, from emergency funds to holidays—and spending caps that keep you honest. • Recurring transactions — Set up rent, subscriptions, and paychecks with local reminders so nothing slips through. • Backup & export — Export CSV for spreadsheets, generate PDF reports, and use Backup & Restore before switching devices. • Optional iCloud sync — Keep budgets aligned across your Apple devices when you turn sync on. Your iCloud account, Apple's privacy terms. • Built for iOS — Home Screen widget for quick logging, Shortcuts support, Face ID app lock, themes, and multiple currencies. WHO IT'S FOR Money Melon is for you if you want envelope or YNAB-style budgeting without a $100/year subscription or bank access. If you prefer pen-and-envelope discipline with a modern app—or you've tried automated trackers and want something simpler and more private—this is your melon. WHAT MONEY MELON IS NOT Money Melon does not connect to banks, move money, or provide financial advice. It's a personal planning tool. You stay in control of what you enter. Download Money Melon and start giving every dollar a purpose.