Every dollar gets a job before you spend it.
Mora locks your envelopes directly to the cleared cash in your checking and savings accounts. Assign funds to bills and groceries today, check coverage before due dates, and move money between envelopes when plans change.
34-day free trial. No card required. Complete export to CSV anytime.
Cleared cash balance: $4,280.00 across checking & cash accounts
Groceries
Everyday spending
Product Mechanics
How envelope budgeting actually keeps you honest.
Spreadsheets break when transfers occur, and retro trackers tell you what you lost after it is gone. Mora operates on strict cash invariants.
Spend only the cash in your accounts
Mora does not budget future paychecks or hypothetical earnings. Your Left to Budget pool equals the real cleared balance of your depository accounts. When you assign cash to an envelope, it remains backed by actual currency.
Know if bills are funded before due date
Every scheduled payment links directly to its category envelope. Live status pills calculate whether your current envelope balance covers the upcoming charge or if you need to add funds.
Separate spending cash from net worth
Checking and credit accounts feed your daily spending pool. Brokerage accounts, retirement holdings, and mortgages stay in Tracking mode: they record net worth progress without inflating spendable grocery money.
Two-click move money and split register
Priorities change mid-month. When dining out exceeds its target, transfer $30 from entertainment in two clicks without touching your checking balance. Split receipts across multiple categories with zero-remainder math.
Simple Setup
How you start budgeting with Mora
Three straightforward steps from blank state to full clarity over your finances.
Add your cash balances
Enter starting balances or import standard bank CSV statements. Mora aggregates your checking and cash accounts into your initial Left to Budget pool.
Fund your envelopes
Assign every dollar of available cash to fixed bills, groceries, fuel, and goals until your Left to Budget pool reaches zero.
Record spending & rebalance
Check envelope balances before making purchases. When a category runs low, shift funds from another envelope in two clicks.
Transparent Pricing
Simple pricing. Full 34-day free trial.
Start your trial without entering card details. Pick a plan only after you have experienced envelope budgeting in action.
Annual Plan
Billed as $96 once per year.
- Full 34-day free trial
- Unlimited envelopes and accounts
- Bill recurrence status engine
- Multi-currency support & exchange rates
- Complete JSON and CSV export
Monthly Plan
Billed month-to-month. Cancel anytime.
- Full 34-day free trial
- Unlimited envelopes and accounts
- Bill recurrence status engine
- Month-to-month cancellation flexibility
- Complete JSON and CSV export
Frequently Asked Questions
Clear answers before you start
Ready to give every dollar a job?
Set up your envelopes in five minutes. 34-day free trial with full feature access and zero card required upfront.