Enverra

Enverra is a zero-based envelope budgeter for people who want to give every dollar a job — without a subscription and without sending their finances to the cloud. Budget the proven way. Money you earn becomes "Ready to Assign." You hand each dollar to an envelope until nothing is left unassigned. Whatever you don't spend rolls over to next month, so your plan reflects real life instead of resetting. Your data stays yours. Everything lives in a single local file on your Mac that you can copy, back up, and move like any other document. No account, no sign-in, no network calls, no tracking — Enverra works fully offline the moment you open it. WHAT'S INSIDE • Zero-based envelope budgeting with automatic monthly rollover • A fast, keyboard-friendly transaction ledger • Multiple accounts and currencies, with on-budget and tracking accounts • Spending-vs-budget breakdown by category for the month • A single SQLite file you own, with one-click backup ENVERRA PRO (one-time unlock) • Import CSV, OFX and QFX files exported from any bank • Export your full ledger to CSV anytime • Six-month spending trends to plan ahead Enverra is built with native Apple frameworks and respects Dynamic Type, Dark Mode, and Reduce Motion. Pay once, own it, and keep your budget on your machine.