Allocate your remaining budget without losing control.
Once your income and deductions are taken into account,
Money Loom helps you know what you actually have left
for your expenses.
You can then allocate this remaining budget
across different envelopes: groceries, transportation, entertainment,
clothing, unexpected expenses…
And when your budget needs to change,
your envelopes can evolve with it.
🔒 Your finances stay on your phone · 📶 Works offline · 💚 Free
The remaining budget: the starting point
The problem with a budget isn't just knowing how much you have in your account.
Part of your money is already earmarked for rent, subscriptions, bills, and other upcoming deductions.
Money Loom therefore starts with what really matters for your spending: what you have left once these amounts are taken into account.
💡 Simple example
The $800 is your available budget for the expenses you will actually make during the period.
You can then decide how to allocate it across your different envelopes.
And your daily budget?
Money Loom also uses your budget situation to give you a simple benchmark: how much can you spend today?
This amount changes based on your spending and the time left. The goal isn't to impose an extra rule, but to give you a concrete number to make your daily decisions.
The envelope method applied to your remaining budget
The envelope method consists of allocating your budget across different spending categories.
Groceries, gas, entertainment, clothing, unexpected expenses… everyone can create the categories that match their own way of managing money.
With Money Loom, these envelopes are not independent of the rest of your budget: they are linked to your remaining budget.
📥 Allocate
Define the amount you want to assign to each
envelope from your remaining budget.
For example: $350 for groceries,
$150 for transportation, and $100 for entertainment.
💸 Spend
Enter your expenses throughout the month and Money Loom updates
your envelopes.
This way, you see what's left in each category.
🔄 Adjust
Did a category end up costing more than expected? You can reorganize your budget between your envelopes instead of starting from scratch.
Envelopes that communicate with each other
This is one of the limits of a traditional envelope: if you budgeted $100 for clothing but ultimately need $130, you have to find where to get the extra $30.
Money Loom allows you to handle this situation directly.
🔄 Example: adding $30 to an envelope
Your Groceries envelope needs an extra $30.
You therefore choose the envelopes to take the necessary $30 from.
The envelopes thus act as an interconnected system: you can move your budget to where you actually need it.
🛡️ And if the other envelopes aren't enough?
This is where the link to the remaining budget becomes important.
If the envelopes you chose cannot cover the necessary amount, Money Loom warns you that the shortfall will be taken from your remaining budget.
You therefore know immediately that you are reducing your overall margin, rather than just moving money between two categories.
A reminder before you exceed your envelope
An envelope doesn't need to wait until it's empty to warn you.
You can set a reminder amount for each envelope.
🔔 Example: $100 envelope
You create a $100 Clothing envelope.
You choose a reminder at $20 remaining.
When your spending reaches $80, Money Loom warns you.
You then know that your envelope is approaching its limit and can decide to slow down your spending or, if necessary, reorganize your budget.
The reminder therefore occurs before the limit is exceeded, and not after.
Why switch from paper envelopes to your phone?
The envelope method is simple and can be very effective. But paper becomes less practical when expenses are mainly made by card or online.
- Card payments don't physically fit into an envelope.
- Online purchases make paper tracking particularly cumbersome.
- Adjustments between categories require redoing calculations manually.
- Reminders are not automatic on a physical envelope.
- Your budget isn't always with you when you need to make a purchasing decision.
Money Loom therefore keeps the principle of the envelope method, but integrates it into a broader system based on your remaining budget and daily budget.
Envelopes are just one part of Money Loom
Money Loom is above all a tool to help you understand your available budget and know what you can spend. Envelopes then come in to organize this budget.
Overdraft Shield
A benchmark based on your budget situation to know how much you can spend without losing sight of your upcoming bills.
Daily Budget
A simple number to know how much you can spend today based on your available budget and the time remaining.
Custom Envelopes
Create your categories and allocate your remaining budget according to your own habits.
Envelope Transfers
Choose the envelopes to take money from when another category needs to be topped up.
Pre-limit Reminders
Set a reminder threshold. For a $100 envelope, choose for example $20 remaining to be warned before reaching the limit.
Your Finances Stay on Your Phone
No bank connection required and no need to entrust your financial history to a cloud service to use your budget.
And also
Money Loom also offers: streak tracking, savings goals, spending charts, monthly summary, expense search, CSV export and import, home screen widget, dark and light themes, bills to confirm, and built-in guide.
Paper Envelopes vs Money Loom
| 💌 Paper | 📱 Money Loom | |
|---|---|---|
| Allocate budget by category | ✅ | ✅ |
| Use budget with a card | ⚠️ | ✅ |
| Track spending throughout the month | ⚠️ | ✅ |
| Transfer budget between categories | ⚠️ | ✅ |
| Choose which envelopes to use | ⚠️ | ✅ |
| Pre-limit reminder | ❌ | ✅ |
| Daily budget | ❌ | ✅ |
| Available offline | ✅ | ✅ |
| Cost | Free | Free |
Frequently Asked Questions
What is the envelope method?
The envelope method consists of allocating your available budget across different categories: groceries, transportation, entertainment, clothing, etc. Money Loom takes this principle in digital form and links it to your remaining budget.
What is the link between envelopes and the remaining budget?
Envelopes are used to allocate your remaining budget. If an envelope needs to be increased, you can choose to take the necessary amount from other envelopes. If that is not enough, Money Loom tells you that the shortfall will be taken from your remaining budget.
Can I move money from one envelope to another?
Yes. You choose the envelopes to take the necessary amount from to fund another envelope. This allows you to adapt your budget to your actual expenses.
Can I be alerted before exceeding an envelope?
Yes. You can set a reminder amount for each envelope. For example, for a $100 envelope, you can choose a reminder at $20 remaining. When this threshold is reached, Money Loom warns you.
Does Money Loom work without the internet?
Yes. Your financial data and budget tracking are available on your phone even without an internet connection.
Do I need to connect my bank?
No. Money Loom does not require a bank connection. You enter your income, bills, and expenses yourself. This is a deliberate choice: you keep control of your financial data.
Is Money Loom free?
Yes. Money Loom is offered for free, with no mandatory subscription, no hidden premium version, and no artificial limits designed to make you upgrade to a paid plan.
Start with your remaining budget.
Enter your income and bills, allocate what's left across your envelopes, and keep an eye on your daily budget.
▶ Download for free on Google Play