Your money. With a plan.

See what you can really spend.

Your balance includes rent, bills and savings. Panda Budget shows the part that’s actually yours to spend.

Digital envelopes, quick expense entry and a shared budget for two. No spreadsheets.

Download free on iPhone Try the free planner

1-month free Premium trial · No bank login needed · On Android?

YOUR EVERYDAY PLANExample

Room for everyday spending$840.00After setting money aside for your essentials

Groceries$400

Bills$1,200

Next adventure$300

Bills protected. Breathing room found.

A preview of the idea. Your numbers, your plan.

No bank connection Your data is never sold Any country, any currency Share with your partner

Sound familiar?

Your balance says “yes.”
Your bills might say “not yet.”

A bank balance tells you what is there. It doesn’t tell you what that money is already needed for. Panda Budget helps you give it a purpose before everyday spending gets in the way.

Make a little room for clarity

Give every envelope
a reason to exist.

Plan first. Spend with context.
Adjust as real life happens.

01 / Less admin

Logging a coffee shouldn’t be a chore.

Type a purchase and amount in Quick Entry. Review the category when you need to, and keep moving.

Type “coffee 4”. It lands in the right envelope.

Guide: envelope budgeting, step by step

02 / More clarity

Your rent money has a job already.

Protect essential envelopes, keep a reserve, and see what is left for everyday spending.

Rent, bills and savings come off first. What’s left is yours.

Guide: what safe to spend really means

03 / Better together

One shared plan. Fewer money mysteries.

See shared envelope balances together. Filter spending by who paid when you want your own perspective.

No more “did you pay the electricity?” texts.

Guide: budgeting as a couple

Download free on iPhone

Free plan available · 1-month free Premium trial

Your first small win

A plan you can start
in one sitting.

Split the money you have between essentials, everyday spending, and future you. Our free planner does the arithmetic. You decide the priorities.

Build my envelope plan No signup. Your amounts stay in your browser.

One possible starting point

Make it yours.

Essentials first

Rent, bills, groceries

Life right now

Coffee, dinners, little extras

Future you

A cushion and your next goal

No perfect percentages required.

Beyond tracking yesterday

Help for your
next decision.

Check a purchase before committing. Spot envelopes that need attention. Make a plan for payday. Panda Budget turns the numbers you enter into a clearer next step.

Understand safe-to-spend

Can I buy this?

Consider a purchase alongside your envelopes and upcoming obligations.

Financial Radar

See emerging risks and useful actions before you plan more spending.

Weekly check-in

Review uncategorized purchases, upcoming bills, and envelopes that need care.

Start small. Grow into it.

A plan for your budget.

Try the essentials. Add more depth
when it is useful to you.

FREE

A good place to begin.

Free

Up to 8 envelopes
Everyday tracking and Safe to Spend
20 smart suggestions a month
3 months of transaction history

Download free

PREMIUM

More room to plan.

1 month free, then monthly or yearly

Unlimited envelopes, cards and loans
Financial Radar and Payday Planner
Unlimited smart suggestions and “Can I Buy This?”
Family sharing
Rollover budgets and CSV export

Start your free month New subscribers get a 1-month free trial. Current prices and subscription terms are shown in the app before purchase.

A little know-how goes a long way

Make money make sense.

All money guides

FIELD NOTES / 01

Envelope budgeting, without the envelopes.

A practical way to give your money a job.

FIELD NOTES / 02

A shared budget that still feels like yours.

Agree on the plan. Stay clear on who paid.

FIELD NOTES / 03

Why your balance isn’t your spending limit.

Make room for the money already spoken for.

Good questions

Before you
make a start.

Do I need to connect my bank?

No. You enter your purchases and budget amounts yourself. Quick Entry helps keep that simple, and you can review categories later.

Is Panda Budget free?

Yes, there is a free plan with up to 8 envelopes, 20 smart suggestions a month and 3 months of transaction history. Premium adds unlimited envelopes, Financial Radar, Payday Planner, family sharing and more, and new subscribers can try it free for 1 month. Check the app for current prices.

Can we budget together?

Yes. Family sharing supports a shared household budget. Shared envelope balances include everyone’s spending, while a payer filter shows what you paid.

Is the planner connected to my app account?

No. This free website planner is a separate starting-point calculator. It works in your browser and does not upload your budget amounts.

Where can I get the app?

Panda Budget is on the App Store for iPhone. Android is coming: leave your email on the Get Panda Budget page for launch updates.

Does Panda Budget give financial advice?

The app helps you organize and review the budget information you enter. Its suggestions depend on that information being complete and current; they are planning aids, not a guarantee that a purchase is affordable.

Ready to see what you can really spend?

Download Panda Budget free. Your first envelope plan takes a few minutes.