Okane Budget

Free envelope budgeting. Your data in Google Sheets.

Free

Free envelope budgeting on Android and iOS — your budget in a Google Sheet you own. Premium is $5/mo — $49 less than YNAB.

Envelope Budgeting

Create categories for rent, groceries, fun money — whatever your life looks like. Classic envelope method, modern app.

Google Sheets Sync

Your budget lives in a spreadsheet you own. View it, edit it, share it — it's yours forever.

Custom Categories

Organize spending your way. Create, rename, and reorder categories to match your real life.

Premium

Bank Sync

Connect your bank via Plaid and automatically import transactions. No more manual entry.

Premium

Smart Analytics

See where your money goes with clear charts and insights. Spot trends before they become problems.

Premium

AI Categorization

Transactions are categorized automatically — on your device. Private by design.

Three steps. Full control.

Set up your envelopes

Create categories for rent, groceries, fun money — whatever your life looks like.

Track spending

Log transactions manually or sync your bank automatically with Premium.

See it in Google Sheets

Your budget lives in a spreadsheet you own. View it, edit it, share it — it's yours.

Everything you need. Nothing you don't.

Feature	Free	Premium $5/mo
Envelope budgeting	✅	✅
Google Sheets sync	✅	✅
Custom categories	✅	✅
Bank sync (Plaid)	—	✅
Smart analytics	—	✅
AI categorization	—	✅

Premium is $5/month. That's $60/year — $49 less than YNAB.

Why Okane?

Your Data, Your Rules

Budget lives in Google Sheets. Not our servers. Cancel anytime — data stays with you.

Built for Couples

Share your Google Sheet with your partner. Budget together for free.

Privacy First

AI categorization runs entirely on your device. Transactions never leave your phone.

Actually Affordable

Free gets you a full budgeting app. Premium is $5/mo.

“I built Okane because I was frustrated. YNAB was too expensive. Mint was too cluttered. And I loved budgeting in spreadsheets but hated doing it on my phone. So I built an app that combines the best of both worlds—envelope budgeting with Google Sheets as your source of truth.”
— Mike, Founder of Okane

How Okane stacks up

	Okane Free	Okane Premium	YNAB	Monarch	Goodbudget
Price	$0	$60/yr	$109/yr	$100/yr	$80/yr
Envelope budgeting	✅	✅	✅	❌	✅
Bank sync	❌	✅	✅	✅	❌
Data ownership	✅	✅	❌	❌	❌
AI categorization	❌	✅	❌	❌	❌
Couples (free)	✅	✅	❌ (+$)	❌ (+$)	✅ (limited)
Cross-platform	✅	✅	✅	✅	✅

Free envelope budgeting. Your data in Google Sheets.

Free

Envelope Budgeting

Google Sheets Sync

Custom Categories

Bank Sync

Smart Analytics

AI Categorization

Budgeting apps shouldn't cost more than your budget allows.

Three steps. Full control.

Set up your envelopes

Track spending

See it in Google Sheets

Everything you need. Nothing you don't.

Why Okane?

Your Data, Your Rules

Built for Couples

Privacy First

Actually Affordable

How Okane stacks up

Okane is now live on iPhone

Start budgeting in 2 minutes.