SavePoint v1.6: Envelope Budgeting Arrives

Version 1.6 is here, and it delivers the single most-requested workflow in SavePoint's history: Envelope Budgeting. We have been working on this one for a while, and we are thrilled to finally share it. It is a complete, opt-in way to budget with intent: you fund an envelope for each category and watch your spendable balances move in real time as money comes in and goes out. It handles both cash and credit-card spending, supports rollover, reset, reset-to-a-set-amount, sinking funds, and future funds, closes and reopens months, carries your envelopes across the new year automatically, and reconciles against your Balance Sheet so you always know whether your envelopes match real cash. It is fully translated across all 8 supported languages. This release also brings new Sub Category filters to Reports. Thank you again for being part of the SavePoint community. Envelope Budgeting was the feature you asked for most, and your feedback shaped every piece of it.

Envelope Budgeting: Budget with Intent

Envelope Budgeting is opt-in and sits alongside your existing Classic budget. You turn it on in Settings > Budgeting by switching your Budgeting Style from Classic to Envelope, and you can switch between the two whenever you like with your work in each kept. The two modes mostly operate on their own, with one deliberate overlap worth knowing: an envelope's Monthly Fund Target is the same number as that category's Monthly Budget in Classic for that year, so editing it in one place updates the other.

When you enable it, SavePoint sets everything up automatically. Each expense category becomes a spending envelope you can fund, a single Unassigned Cash envelope holds money that has not been given a task yet, and a Card Payment Reserve is created for each credit card account. Your starting cash on hand is seeded in so your books balance from day one.

The core loop. Income lands in Unassigned Cash. From there you fund your envelopes, which moves money out of Unassigned Cash and earmarks it for a purpose. As you spend, the matching envelope's Available balance drops. Every envelope row shows Funded, Spent, and Available with a progress bar that turns red when you overspend, and a month navigator lets you browse past and future periods.

Fund, move, and create envelopes:

• Fund Envelopes moves money from Unassigned Cash into a chosen envelope. Your total cash does not change; you are deciding which task those dollars do.
• Move Money shifts money between any two envelopes, the quick way to cover an overspent envelope from another.
• New Envelope creates a custom envelope or one linked to an existing category, with a role (Spending, Sinking Fund, or Debt) and a behavior at month end (Rollover, Reset, or Reset to a set amount).

Focus your list with view filters. A view filter at the top of your envelopes lets you switch between All (every envelope), Overspent (only envelopes where Available has gone negative, so you can see what needs covering), Underfunded (envelopes that have not reached their monthly target yet, handy while you work through Fund Envelopes), and Hide $0 (tucks away envelopes that are completely idle this month). It makes a long envelope list easy to work through.

Credit cards, handled honestly. By default, spending on a credit card does two things at once: it draws down the category envelope you spent from and moves the same amount into that card's Card Payment Reserve. When the real Credit Card Payment posts (cash actually leaves checking), the reserve drops by the payment amount, so your envelopes stay reconciled to cash even while you carry a card balance. If you pay your card in full every cycle, you can switch to a simpler "treat card spending as cash" mode instead.

Rollover, sinking funds, and future funds. Each envelope decides what happens at month end: keep the leftover, reset to zero (sweeping the remainder back to Unassigned Cash), or top up to a fixed amount. Sinking Funds are envelopes you save into over time (vacation, insurance, car maintenance, holiday gifts, taxes), with a target, a progress bar, and a pacing line. Future Funds is money you set aside today for a specific future month, with a one-click "Fund Next Month" preset and easy release back to Unassigned Cash.

Close a month, and cross into a new year. Closing a month rolls every envelope forward according to its behavior and freezes the rule it closed under, so editing an envelope later never rewrites a month you already closed. And when a new calendar year begins, SavePoint now finalizes the old year and carries your envelopes forward automatically, oldest month first, so January is ready to go.

Reconciliation you can trust. In SavePoint, your cash on hand comes from your Balance Sheet, not from summing transactions. Envelope Budgeting holds to one simple idea: the sum of your envelopes should equal your cash on hand. A banner on the Budget page shows Cash on Hand vs Envelopes Total vs Drift, and a one-click Reconcile to Cash button folds any difference into Unassigned Cash.

Where else it shows up:

• Accounts: Choose which accounts are part of the envelope budget (liquid assets and credit cards by default), so investments do not inflate your Unassigned Cash.
• Transactions: Reassign an envelope with a single click on the category cell, or select several transactions and Re-envelope them in bulk.
• Dashboard: Three envelope cards appear in envelope mode: Unassigned Cash and Future Funds, Overspent Envelopes, and your top Sinking Fund Progress bars.
• Reports: Three envelope reports show up while envelope mode is on, Envelope Month (a month-end snapshot of every envelope), Envelope Trends (how funding and spending move over time), and Sinking-Fund Progress (each goal's progress).

A short onboarding wizard walks you through the whole idea, and there are plain-language tooltips and help popovers throughout. Since the whole feature is new, the best way to learn it is to try it, and there is a full walkthrough in the Envelope section of our Help guide.

Reports: Sub Category Filters and a Multi-Select Hint

In addition to Envelopes which is the star of this release, we have a smaller but powerful update to Reports to share, which will give you more depth to leverage your data.

Reports gains new Sub Category 1 and Sub Category 2 filters that let you slice any transaction-based report by subcategory. They stack on top of your existing account, category, currency, member, and tag filters, and they are smart about it: the dropdowns only list subcategory values that actually exist in the transactions left after your other filters. Pick Category = Groceries first, and the subcategory dropdowns show only what exists on Groceries transactions. A small hint also now reminds you that you can hold Ctrl (or Cmd on Mac) to select multiple options in the Account, Category, and Currency filters.

Looking Ahead

Next, we are bringing envelope-aware views to the Cash Flow Center, FIRE Planning, and Yearly Trends. One note for trial users: the free trial does not include Envelope Budgeting yet. Wiring it in and testing it properly will take time, so there is no firm timeframe, and we may share a video preview in the meantime. More details soon.

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As always, if you run into any bugs or have ideas for how SavePoint can work better, we would love to hear from you. Drop a comment below, message us on Discord, or use the contact form on the website. We read everything and respond personally.

Thanks again for your support and for being part of this journey.

Talk soon,
The SavePoint Team