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mountet is an envelope budget for people who are done guessing. Assign the money you actually have, spend against the plan you made, and watch a year of small decisions add up to something.

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Budget the balance you have today — not the paycheck you are hoping for.

Ready to assign

July 2026

$0.00

Every dollar assigned

  • Rent$1,450.00
  • Groceries$620.00
  • Emergency fund$410.00

The whole system is three moves.

Not a dashboard to study. A loop you run once a month, in the order that keeps the numbers honest.

  1. 01

    Assign what you have

    Money arrives, and you give every dollar a job before you spend it. Not a forecast of what you might earn — the balance actually sitting in your accounts, split across envelopes you chose.

  2. 02

    Spend from an envelope

    Transactions land against the category you funded. The question stops being “can I afford this?” and becomes “is there room in this envelope?” — which you can answer in a second.

  3. 03

    Close the month, keep the lesson

    At month end you see where the plan held and where it didn’t, then carry the correction forward. The overspend is information, not a verdict.

A year of corrections, in one line.

No single month changes much. The line is what changes. mountet keeps every account in one running total so the trend is the first thing you see, not something you have to assemble.

Net worth, trailing year

Illustrative data

$93,100.00

Sharp where it counts. Quiet everywhere else.

Color means exactly one thing
Teal is on track, amber is close to the limit, red is over. A category’s own color never doubles as a health signal, so a glance is never ambiguous — and every state is spelled out in words too.
Money is the loudest element
Amounts are set in a monospaced face at tabular widths. Columns line up down the page, so you compare by scanning rather than by reading.
Nothing nags you
No badges you can’t clear, no streak to protect, no confetti for spending less on coffee. When the month is fine, the interface says so once and goes quiet.

Everyday spending

July 2026

  • GroceriesOn track

    $418.00 of $620.00

  • Dining outNearly spent

    $186.00 of $200.00

  • Car repairOver by $64.00

    $214.00 of $150.00

Set up your accounts, assign what you have, and let the next twelve months compound. You can do the first budget in about ten minutes.

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