A budget app to know what you can actually spend
Your banking app lets you track your account. Money Loom helps you go further: organize your budget, factor in your upcoming bills, and track your disposable income day by day.
🔒 Financial data on your phone · 📶 Works offline · 💚 Free
Why use a budget app if you already have your banking app?
That's a perfectly fair question. Your banking app is already on your phone, it knows your account, and it shows your transactions. So why add another app?
The answer isn't to replace your bank. Money Loom answers a different question.
Your bank shows you your account.
Money Loom helps you manage what you can still allocate to your spending.
Two tools, two purposes
A banking app and a budget app can work perfectly together.
See what's happening in your account
- Check your balance
- View your transactions
- Review your direct debits
- Make banking operations
Organize what you can spend
- Determine your disposable income
- Track your daily budget
- Allocate your budget into envelopes
- Monitor your spending and limits
The starting point: your disposable income
A bank balance can give the impression of availability when part of that money is already earmarked for upcoming bills or planned expenses.
🧮 Money Loom starts with what you actually have to manage
You enter your income and upcoming bills. Money Loom then determines your disposable income.
This amount becomes the foundation of your budget organization.
To understand exactly how this works: discover disposable income with Money Loom →
Then your budget becomes a daily benchmark
Knowing your disposable income is useful. Knowing what it represents today is even more concrete.
based on your situation and days remaining
Why a daily budget?
Because a total amount is sometimes hard to interpret.
If you still have several weeks to fund, $500 in your account doesn't necessarily mean you can spend $500.
The daily budget turns your situation into a simpler benchmark for everyday use.
What can a budget app like Money Loom do?
Money Loom brings together several tools around one logic: helping you keep a clear view of your budget.
Disposable Income
Factor in your upcoming bills to determine what you actually have to manage.
Daily Budget
Get a daily benchmark for your spending.
Envelopes
Split your disposable income into categories and allow certain envelopes to communicate.
Reminders & Alerts
Get notified when an envelope approaches the limit you've set.
Expense Tracking
View your spending and budget trends.
Streak
Stay motivated by tracking your consistency.
Widget
Quickly check your budget from your home screen.
Export & Import
Keep control of your history with data export and import.
💌 A more flexible envelope method
Envelopes let you reserve part of your disposable income for different categories.
But they can also work like communicating vessels: you choose which envelopes can contribute when another one isn't sufficiently funded.
If the authorized envelopes aren't enough, Money Loom warns you that the remainder will be taken from your disposable income.
A budget app with no bank connection
Money Loom doesn't require connecting your bank account. You enter the information needed for your budget yourself.
🔒 Your financial data stays on your phone
Your income, expenses, bills, and envelopes are stored locally for your use of the app.
📶 Your budget can work offline
You can continue managing your budget even when you don't have an internet connection.
Money Loom may use some anonymized statistics to improve the app, but they are never used to collect your amounts or financial history.
Who can benefit from a budget app?
Money Loom is designed for people who want to go beyond simply checking their account.
- You want to know how much you can spend each day.
- You want to include your upcoming bills in your budget planning.
- You want to track your disposable income.
- You like managing your budget with envelopes.
- You prefer entering your data yourself rather than connecting your bank.
- You want to check your budget offline.
- You're looking for a simple, free budget app.
💚 Your budget. Not another subscription.
Managing your budget shouldn't be an extra expense. Money Loom is completely free, with no mandatory subscription, no hidden premium version, and no artificial limits.
You keep access to all features (disposable income, daily budget, connected envelopes, alerts) without ever having to pull out your credit card.
Frequently asked questions about budget apps
Why use a budget app if I already have my banking app?
Your banking app and a budget app can have complementary roles. Your bank lets you check your account and transactions. Money Loom is designed to organize your budget, track your disposable income, and give you a benchmark for what you can still spend.
Does Money Loom connect to my bank?
No. Money Loom requires no bank connection. You enter your income, bills, and expenses directly.
Can I use Money Loom without internet?
Yes. The app is designed to allow offline budget management.
What is disposable income?
It's the amount available once your bills and expenses are taken into account. Learn more about disposable income →
What's the point of a daily budget?
It turns your budget situation into a daily benchmark to help you know how much you can allocate to your spending. Understand the daily budget →
How do envelopes work?
Envelopes let you split your disposable income. Some can communicate with each other based on rules you choose. See the envelope method →
Is Money Loom free?
Yes. Money Loom is available for free, with no mandatory subscription.
Your account shows you your money. Your budget helps you know what to do with it.
Use Money Loom to track your disposable income, daily budget, spending, and envelopes.
▶ Download Money Loom for free