Enoughly — Budget by paycheck, not by month

Know what's actually
safe to spend.

Enoughly budgets the way you're paid — by paycheck, not by calendar month. One number tells you what's truly spendable after the bills that land before payday.

One-time purchase No subscription No bank linking Mac · iPhone · iPad · Android

iPhone & iPad · Mac: coming soon

Coming soon

Free 14-day trial, then one purchase. No subscription.

One honest number

What's truly spendable after the bills due before your next payday, and your safety net.

Budgets that refill every payday

Envelopes reset when you're paid, not on the 1st of the month.

No bank linking

Import the file your bank already exports. Your login never leaves your bank.

Built around your paycheck

The same app on Mac, iPhone and iPad, synced through your own iCloud. On Android too, with an encrypted backup file to carry your data between Android and Apple devices.

Budgets

Envelopes that refill every payday

Give each category an allowance that resets when you're paid. Unspent money can roll forward, so annual fees and car repairs build a fund instead of blowing a month. Enoughly can draft your envelopes from your real spending.

Calendar

Your month at a glance

See what went out each day, or switch to cash flow: paydays in, bills out, and what's left on any day you pick, with the days ahead forecast.

Spending

See where the money goes

Every category, payee and account, for any range of dates. The What Changed card compares the month with your own usual and points at what stood out, like a subscription that quietly raised its price.

Cash Flow

Follow the cash flow

What came in, what went out, and what you kept, month by month and pay period by pay period, down to the category each dollar left through.

Enoughly Debt Snowball on iPhone: debt-free in 34 months, $3,861 in interest saved, with a payoff timeline

Debt plans

A real plan out of debt

Snowball or avalanche, with your debt-free date and the interest you save. Try an extra payment and watch the date move, then print a per-payday plan to stick on the fridge.

Also included

No tiers, no add-ons. Everything comes with the one purchase.

Import from a screenshot

Bank makes exporting a chore? Paste a screenshot; it's read on your device.

Bill payments spotted

Imports recognise loan payments and split the interest out for you.

Overdraft warnings

Each account is run 30 days ahead, so one can't hide behind another.

Cards that plan themselves

Statement-aware forecasts, and 0% offers that end on their own.

The What If room

A car, a mortgage, a lump sum: see the effect before you sign.

Widgets and menu bar

Your number at a glance, with a discreet option that shows none.

The Log

Every balance change explained, so no number is a mystery.

31 currencies

Accounts and bills in their own currency, totals converted daily.

No bank linking. That's not a gap — it's the point.

Apps that "connect to your bank" hand your login to a third-party aggregator, keep a copy of your transactions on their servers, and charge you monthly to cover it. Enoughly uses the file your bank already exports — and everything changes downstream.

	Bank-linked apps	Enoughly
Your bank login	Shared with an aggregator (Plaid, Yodlee…). Many banks warn this can void your fraud protection.	Never leaves your bank. Enoughly doesn't even have a place to type it.
Your transaction history	Stored on company servers, subject to their breach, their acquisition, their data-sharing policy.	On your devices, and on Apple devices your personal iCloud. There is no server to breach.
Reliability	Connections break constantly — re-login loops, missing weeks, duplicate storms after every bank website update.	Your bank's own export file, imported deterministically. It works the same every single time.
Bank support	Depends on aggregator coverage — credit unions and smaller banks often break or aren't supported at all.	Every bank with an export button. And if yours is stubborn, a screenshot works.
What it costs you	$8–15 every month, forever — aggregator fees and servers have to be paid by someone.	One purchase. No infrastructure, so nothing to keep charging you for.

Bank-linked apps

Enoughly

Your bank login

Shared with an aggregator (Plaid, Yodlee…). Many banks warn this can void your fraud protection.

Never leaves your bank. Enoughly doesn't even have a place to type it.

Your transaction history

Stored on company servers, subject to their breach, their acquisition, their data-sharing policy.

On your devices, and on Apple devices your personal iCloud. There is no server to breach.

Reliability

Connections break constantly — re-login loops, missing weeks, duplicate storms after every bank website update.

Your bank's own export file, imported deterministically. It works the same every single time.

Bank support

Depends on aggregator coverage — credit unions and smaller banks often break or aren't supported at all.

Every bank with an export button. And if yours is stubborn, a screenshot works.

What it costs you

$8–15 every month, forever — aggregator fees and servers have to be paid by someone.

One purchase. No infrastructure, so nothing to keep charging you for.

And day to day, you'll barely notice

Once a week: export & drop

Download your bank's CSV or Quicken file and open it in Enoughly. Categorization, duplicate detection, and bill matching do the rest — re-importing overlaps is always safe.

Or just paste a screenshot

Bank makes exporting a chore? Screenshot the transaction list and paste it in. Text recognition runs on your device, and you confirm every row before it lands.

In between: it logs itself

On iPhone, Apple Pay taps can log automatically through a one-time Wallet automation — no bank connection involved (Apple Pay and Wallet only, so not on Android). Anything else, like cash, you can add by hand. The weekend import quietly reconciles against it all.

That's the whole system

About two minutes a week. And that weekly look at your money? That's not overhead — that's the habit every budget lives or dies on. Auto-sync apps get ignored; yours won't be.

The pattern to notice: apps connect to your bank because subscriptions need servers and servers need justifying. Remove the connection and the subscription disappears with it.

Private by architecture, not by promise

Enoughly never connects to your bank and has no servers of its own. Your data lives on your devices and, on Mac, iPhone and iPad, syncs through your own iCloud private database, which we can't see. We collect nothing — the App Store privacy label reads "Data Not Collected," and Google Play's data safety section reads "No data collected." Optional coach comments (Apple devices only) use Apple's Private Cloud Compute, and only if you turn them on.

Know what's actuallysafe to spend.