Zero-based household budgeting
Give every dollar a purpose.
A mobile-first envelope budget for your whole household. Plan the month together and know exactly where your money is going.
Stewardship, defined.
What is Mina
Envelope budgeting, made easy.
Instead of guessing where your money went, you decide where it goes — the cash in your accounts gets assigned to envelopes, and everyone in the household sees the same plan.
- Every dollar a purpose
- Zero-based by design. Assign the money in your accounts across envelopes until nothing is left unplanned — so your budget always balances to zero.
- One budget, one household
- Invite your spouse or family. Everyone logs transactions against the same envelopes, so the plan stays in sync no matter who's spending.
- Balances that never drift
- Each envelope balance is computed from your allocations and spending — never stored, never stale. The math is always right.
How it works
Four steps, every month.
No spreadsheets, no guesswork. Give every dollar a job, spend from its envelope, and roll into next month knowing exactly where you stand.
- 01
Start with the money you have
Add your checking, savings, and cash accounts. Their combined balance is exactly what you have to budget — real money, not a forecast.
- 02
Give every dollar a purpose
Assign the cash in your accounts across named envelopes — groceries, rent, giving, fun — until nothing is left to assign. Every dollar has a job before you spend it.
- 03
Log as you spend
Record transactions against their envelope. Mina computes each balance from your allocations and spending, so it never drifts out of sync.
- 04
Adjust and repeat
Life happens. Move money between envelopes when plans change, learn from last month, and budget the next one with confidence.
Why Mina
Built the other way around.
Most budgeting apps sell your data or steer you toward credit to pay for themselves. With Mina you're the customer — and that shapes every decision we make.
Most budgeting apps
Mina
Most budgeting apps
Sell your financial data, or steer you toward loans and credit cards, to fund a "free" app.
Mina
Private by principle
Mina will always earn its keep from subscriptions — never from ads or selling your data. You're the customer, not the product, so your data stays yours.
Most budgeting apps
Pile on dashboards and jargon, with a learning curve to climb before you can start.
Mina
Simple by design
Guides you to the next right step, so you can build a real budget in minutes instead of relearning your finances.
Most budgeting apps
Lock you into one rigid system and call it the only right way to budget.
Mina
Yours to control
Makes every suggestion a default you can override. Seed budgets from your income or set them by hand — you always decide.
“Well done, good servant! Because you have been faithful in a very little, you shall have authority.”
Luke 19:17
Begin today
Ready to give every dollar a purpose?
Set up your first household budget in minutes. Try it free.