Question 1

What does budgly do?

Accepted Answer

It turns a plain-language description of your income and bills into an envelope budget. You type what comes in and what goes out, and AI returns your fixed costs, flexible spending envelopes, a savings line and three suggested spending adjustments. The result is a printable table you can also download as an image. It is budgeting help, not financial advice.

Question 2

Is budgly free and does it save my financial information?

Accepted Answer

It is free, with a limit of 5 budgets per day, and there is no paid plan or account. Nothing you type is saved or logged. The only thing kept is a daily usage counter tied to a hash of your IP address and browser. The budget lives only in the open page, so reloading the page discards it.

Question 3

How do I make an envelope budget without a spreadsheet?

Accepted Answer

Write your income and your bills the way you would say them, for example your monthly pay, rent, utilities and subscriptions, and optionally add a savings goal. The tool sorts them into fixed costs and flexible envelopes and adds a savings line. It does not recommend debt products or investments. Print the table or download it as an image to keep it.

Know where every dollar goes.