Envelope budgeting for personal finance
Create budget categories, set spending targets, and track every transaction. Know exactly where your money goes and reach your financial goals.
Everything you need to budget smarter
Built for people who want financial clarity, not complexity
Envelope budgeting
Create categories as envelopes and assign monthly budgets. Track spending against each envelope to stay on target.
Connected bank accounts
Link your accounts through Plaid for automatic transaction import in the US and Canada. See all your finances in one place.
Category targets
Set spending targets and savings goals for each category. Auto-assign funds based on your priorities.
Smart transaction rules
Create rules to automatically categorize transactions. Merchant intelligence learns your spending patterns.
Reports & insights
Track your net worth, analyze spending by category, and visualize your financial progress over time.
Merchant intelligence
Organize spending by merchant. Track recurring payments and identify spending patterns.
Simple, transparent pricing
Start with a 7-day free trial. Cancel anytime.
Monthly
Perfect for getting started
- Unlimited bank connections
- Unlimited categories & envelopes
- Transaction automation rules
- Reports & insights
- Merchant intelligence
Yearly
Best value - save 33%
- Everything in Monthly
- Priority support
- Early access to new features
Lifetime
Pay once, use forever
- Everything in Yearly
- Lifetime updates
- No recurring charges
Loved by budgeters
Join thousands of people taking control of their finances 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!"
Frequently asked questions
Everything you need to know about Kualia
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?
Email us at support@kualia.com
Start your envelope budgeting journey today
Take control of your finances with intuitive budget categories and spending targets. Start with a 7-day free trial.