Envelope budgeting · est. calm

Calm money,
capybara style.

Alloto deals your income into envelopes — rent, groceries, fun — so every dollar has a home before it gets ideas. Relaxed when you’re on track, gently concerned when you’re not. Like a capybara with a calculator.

Google Play Coming soon SOON Kapi is waddling to the Play Store as we speak. Android comes first. App Store As soon as we can LATER The iPhone version isn’t hatched yet. Android first — then Kapi swims over to Apple.

Android first iPhone as soon as we can Your budget never leaves your phone

Money in · June $4,200

Deal it into envelopes

  • Rent $1,400
  • Groceries $600
  • Fun money $150
  • Transport $120

Left to assign $1,930 · 3 more envelopes

The honest fine print

The whole bill, itemised.

Most budgeting apps make money from you somehow — ads, data, a subscription you forgot about. Here is exactly what Alloto costs and exactly what we take. It fits on a receipt.

— signed, a very relaxed capybara

Three steps, one ritual

Old-school envelopes, new-school phone.

Your grandma did this with paper envelopes and exact change. She was right — we just lost the shoebox.

  1. STEP 01

    Stuff the envelopes

    Money lands, you deal it out: rent, groceries, fun money, the lot. Every dollar gets a home before it gets ideas.

  2. STEP 02

    Spend from them

    Log a purchase against its envelope and watch it thin out, honestly. What’s left is what’s left — no mystery math.

  3. STEP 03

    Close the month

    A two-minute ritual settles up, rolls over what you choose, and deals fresh envelopes. Kapi celebrates. You move on.

What’s in the drawer

Everything you need, nothing that beeps at you.

Small, calm features that add up to a budget you actually keep.

Pacing

Envelopes with feelings

A pace pill pipes up when you’re spending faster than the month is moving. Gentle nudge, never a guilt trip.

Autopilot

Bills that pay attention

Schedule rent, subscriptions and other recurring suspects. They post themselves while you do anything else.

Kapi lying flat, completely relaxed
Reports

Honest reports, plain answers

See where the money actually went, month over month. Export to a spreadsheet when you need to look serious.

Templates

Start from a real budget

Pick a starter and tweak it, instead of staring at a blank screen wondering what ‘miscellaneous’ means.

Month-end

A ritual, not a reckoning

Close out the month, see how the envelopes held, and earn a proud capybara. Or a mildly concerned one.

Kapi standing proud with a rosette
Privacy

Yours, full stop

Your budget lives on your phone — no account, no cloud, no ‘we’ve updated our privacy policy’ emails.

On the desk right now

Have a peek inside.

The Budget tab on an ordinary Tuesday. Mostly fine. One envelope is having a moment.

The pace pill

Spending faster than the calendar? A small orange pill says so before it becomes a problem.

The ‘Over’ badge

Firm but fair. The envelope went negative; nobody yells. You just know.

9:41
Budget
June 2026
Income$4,200 Spent$1,964 Left$2,236
Rent$1,400 spent of $1,400 $0left
Groceries$233 spent of $600 $367left
Eating out$187 spent of $160 −$27left
Over
Fun money$96 spent of $150 $54left
64% spent by day 10
Transport$48 spent of $120 $72left
Unallocated$0 spent of $370 $370left
Budget Activity Scheduled Reports
One glance, whole month

Income, spent, and what’s honestly left — right at the top, no tapping around.

The dashed envelope

Unallocated cash waits here, politely, until you give it a job.

Kapi celebrating with confetti

Ready to give your money a home?

Alloto is in the final stretch. Android first, very soon — iPhone as soon as we can. Kapi does not rush quality.

Google Play Coming soon SOON Kapi is waddling to the Play Store as we speak. Android comes first. App Store As soon as we can LATER The iPhone version isn’t hatched yet. Android first — then Kapi swims over to Apple.