Budget with envelopes set spending targets connect your bank plan every dollar
Stop wondering where your paycheck went. Kualia syncs with your bank, sorts every transaction into envelopes, and shows you what you can actually spend today.
Assign every dollar a job
before you spend it
Create categories for every area of your life, set monthly budgets, and watch your spending in real time. When an envelope runs out, you know it's time to stop or reallocate.
Category envelopes
Create envelopes for every spending area and assign monthly budgets.
Spending targets
Set goals for each category and track progress throughout the month.
Auto-assign funds
Automatically distribute income based on your priority rules.
Monthly rollover
Unused funds carry forward so nothing goes to waste.
Know where every
dollar goes
Import transactions automatically from your bank, or add them manually. Smart rules learn how you categorize and do the work for you, so every transaction lands in the right envelope.
Bank sync via Plaid
Transactions import automatically from linked bank accounts.
Smart rules
Auto-categorize transactions with rules that learn your patterns.
Merchant intelligence
Track spending by merchant and spot recurring charges.
Manual entry
Add cash or off-book transactions with a quick manual entry.
Stay ahead of every bill
and subscription
Track subscriptions, bills, and other repeating expenses so nothing slips through the cracks. Set it once and Kualia handles the rest, creating transactions automatically on schedule.
Scheduled transactions
Set up recurring bills and subscriptions on any schedule you need.
Payment reminders
Get notified before bills are due so you never miss a payment.
Match with bank sync
Recurring transactions automatically match with imported bank entries.
Subscription overview
See all your recurring costs in one place and spot what to cut.
See the full picture of
your finances
Track your net worth, analyze spending by category or merchant, and visualize trends over time. Clear reports help you make better financial decisions month after month.
Net worth tracking
See your total financial picture across all accounts over time.
Spending reports
Break down expenses by category, merchant, or time period.
Category trends
Visualize how your spending in each envelope changes month to month.
Account overview
See balances across checking, savings, and credit accounts at a glance.
Simple, transparent pricing
Start with a 7-day free trial. Cancel anytime. No hidden fees.
Monthly
Perfect for getting started
What's included
- Unlimited bank connections
- Unlimited envelopes
- Transaction automation rules
- Reports & insights
- Merchant intelligence
- Recurring transactions
Yearly
Best value - save 33%
What's included
- Everything in Monthly
- Same features, fewer bills
- Save 33% just for committing
Lifetime
Pay once, use forever
What's included
- All features, forever
- Lifetime updates
- No recurring charges
Need more time to decide? Just reach out. Whether you need an extended trial or have questions about pricing, I'm happy to help. Email me at support@kualia.com.
Real feedback from real budgeters
See what people are saying about managing their money with Kualia.
"For a fraction of the price of competitors, it offers pretty much the same functionality. The developers are super friendly and really prioritize user feedback."
"Coming from YNAB, I was looking for something that could do the same thing for cheaper. This is about half the price and the user interface is way more polished."
"This app is so easy to use and covers every single aspect that I am looking for when it comes to a budget app. Best budget app I've found!"
Stop guessing where your money goes
Most people have no idea how much they actually spend each month. When you give every dollar a purpose, you stop overspending and start building the life you want. That's not just budgeting. That's financial clarity.
7-day free trial • Cancel anytime • 2-minute setup
Built by someone who uses it every day
Kualia is built by a solo developer who got tired of budgeting apps that were either too complex or too simple. I use Kualia to manage my own finances every single day. Every feature exists because I needed it, and every request gets a real response from the person who built it.
Solo-built
One developer, no investors. Every decision is made for users, not shareholders.
Used by its maker
I budget with Kualia every day, so bugs and rough edges get fixed fast.
Direct support
Every message goes straight to the developer. No ticket queues, no bots.
Frequently asked questions
From setup to daily use, here are the most common questions about Kualia and envelope budgeting. Can't find what you're looking for? Reach out to us anytime.
What is envelope budgeting?
Envelope budgeting is a simple, proven method where you assign your money to categories (envelopes) before you spend it. Each category has a budget, and you track spending against it. Kualia makes this easy with automatic transaction import, smart categorization, and real-time budget tracking.
Do I need to connect my bank accounts?
While you can manually enter transactions, connecting your bank accounts makes Kualia much more powerful. We use Plaid, a secure bank-level integration trusted by thousands of financial apps, to automatically sync your transactions in real-time. This saves you hours of manual entry.
What banks are supported?
Kualia supports thousands of banks and financial institutions in the US and Canada through our Plaid integration. This includes major banks, credit unions, and online-only banks. When you sign up, you can search for your bank during the connection process.
How do category targets work?
Category targets let you set spending goals for each budget category. You can set recurring targets (monthly spending limits), savings goals (build up a balance over time), or one-time targets for specific expenses. Kualia can even auto-assign funds based on your priorities.
How does automatic categorization work?
Kualia automatically categorizes your transactions using merchant intelligence and smart pattern detection. You can also create custom rules to categorize transactions based on merchant, amount, or description. This ensures consistent organization without manual work.
What reports are available?
Kualia provides net worth tracking, spending reports by category, and income vs expense analysis. See your financial progress over time with intuitive charts and understand exactly where your money goes each month.
Is my financial data secure?
Absolutely. We use bank-level 256-bit encryption to protect your data. All connections to financial institutions are made through Plaid, which is used by thousands of financial apps. We never store your banking credentials, and your data is encrypted both in transit and at rest.
What makes Kualia different from other budgeting apps?
Kualia combines the simplicity of envelope budgeting with powerful automation. Unlike spreadsheets, you get automatic transaction import and categorization. Unlike complex accounting software, we focus on what matters: knowing where your money goes and reaching your financial goals.
Can I try Kualia before paying?
Yes! We offer a 7-day free trial. You can explore all features and decide if Kualia is right for you.
How long does it take to set up?
Most users are up and running in under 10 minutes. Simply sign up, connect your bank accounts, and Kualia will automatically start syncing and categorizing your transactions. You can customize categories and set up budget targets as you go.
Do you offer support?
Yes! We offer priority email support to help you get the most out of Kualia. You can reach us at support@kualia.com or use the contact button below.
Still have questions?
Whether you need help getting started or want to suggest a feature, I'd love to hear from you.
Email us at support@kualia.com
Request features and vote on ideas on the feature board