Budget without Mint
Track spending manually — no bank login, no ads, no selling your data.
Why skip bank-linked apps
Apps that connect to your bank often monetize through ads, affiliate offers, or anonymized data. You do not need that tradeoff to know where money went.
Manual tracking works
Log income and expenses as they happen — or import a CSV export from your bank once a month. Categories and envelopes turn a list into a plan.
Envelope caps
Give each category a monthly cap. When groceries hit the cap, you see it before the card statement arrives. "To assign" is what is left after you allocate income across envelopes.
Creator mode for side hustles
If you sell on Plaza, Etsy, or at markets, track shop revenue, platform fees, materials, and shipping in one place. Net profit and margin update as you enter rows — no spreadsheet required.
Export anytime
CSV, JSON backup, or a printable month summary. Your data stays in your browser until you choose to sign in and sync.
Try it free
Lumavel Budget — Life Tools on lumavel.co. No credit scores, no bureau pulls, no financial product funnel.