mibudge is a personal budgeting tool built around the envelope method: every dollar you have is assigned to a named budget -- groceries, rent, vacation, whatever matters to you -- so you always know exactly what you can spend and where.

Each set of budgets belongs to a bank account. mibudge supports checking, savings, and credit card accounts, and you can track as many as you need. Accounts can also be shared with other people, so couples or housemates can manage a joint account together while keeping their individual accounts separate.

Budgets come in three flavors. A Goal budget saves toward a one-time target -- a new laptop or a vacation fund -- and stops accumulating once it's fully funded. A Recurring budget refills on a schedule, making it ideal for predictable monthly costs like rent or utilities. A Capped budget keeps itself topped up to a set limit at all times: spend from it and it automatically refills, which suits things like a grocery allowance or a fuel reserve where you always want a steady ceiling available.

mibudge is a read-only mirror of your real bank accounts. Transactions are imported -- either by uploading a CSV export from your bank or via an external importer service such as Plaid -- and then categorized and split across your budgets. Importers talk to mibudge through its REST API, keeping the mechanics of fetching bank data entirely separate from what mibudge does: help you understand and plan what you already have. mibudge itself never connects to your bank directly, never initiates transfers, and never moves money.