Tuck · Offline envelope budgeting

The budget app without the bank login.

Plan your money into envelopes, log what you spend, always know what's left. No account, no bank connection, no ads — your budget lives on your phone and nowhere else.

Get it on Google Play Why people switch
No account needed Unlimited envelopes, free
Tuck home screen: July 2026 budget with $450 left to budget and envelopes for rent, food and fun
Works fully offline
Your data stays here
$0for unlimited envelopes
0bank logins, ever
<½the price of YNAB
100%offline & private
Why Tuck

Private by architecture, generous by default.

Actually private

No sign-up, no bank login, no cloud. Everything you enter stays on your device — we couldn't read it if we wanted to.

Envelopes, uncapped

Unlimited envelopes, accounts and history on the free tier. The caps other apps use to force upgrades aren't here.

Fully offline

On a plane, in a tunnel, on a farm. Tuck never needed the internet in the first place.

Less time logging

Recurring templates fill in rent and salary by themselves; CSV import catches you up in seconds — still no bank login.

A look inside

Simple on the surface. Thorough underneath.

Tuck first-run screen introducing envelope budgeting
Set up in under a minute
Envelope home screen with month navigation and left-to-budget
Always know what's left
Add transaction sheet with payee and envelope suggestions
Log spending in seconds
Spending reports screen
See where it all went
The honest comparison

Half the price. None of the bank login.

TuckTHIS APPYNABGoodbudget
Price per year$39.99 — or free$109$80
Bank login requiredNeverOptional but centralNo
Account / sign-upNoneRequiredRequired
Works offlineFullyNoPartially
Free envelopesUnlimited—Capped at 10
Where your data livesYour phoneTheir cloudTheir cloud

Want the detail behind this table? Read the full write-ups: Tuck as a YNAB alternative · Tuck as a Goodbudget alternative

Competitor pricing and features as published by each provider, July 2026. YNAB and Goodbudget are trademarks of their respective owners; Tuck is not affiliated with either.

Pricing

The method is free. The magic is fair.

Free
$0
forever
  • Unlimited envelopes & accounts
  • Unlimited history
  • Move money, income allocation, goals
  • Spending reports
  • Export your data anytime
Premium 3-DAY FREE TRIAL
$5.99/mo
or $39.99/year (save ~44%)
  • Recurring auto-templates
  • CSV import — no bank login
  • Advanced reports & projected month-end
  • Multiple budget profiles
  • Theme packs

Subscriptions renew automatically until cancelled — cancel anytime in Google Play, and you won't be charged if you cancel during the trial.

FAQ

Fair questions.

Why doesn't Tuck connect to my bank?

Because it doesn't need to — and neither do you. Bank-linking means handing a third party ongoing access to your transactions. Tuck's approach is manual-first with fast catch-up tools (recurring templates and CSV import), so you get the awareness benefits of budgeting without giving anyone your credentials.

Is it really free — what's the catch?

The full envelope method is free and uncapped: unlimited envelopes, accounts and history. Premium adds convenience features (auto-templates, CSV import, advanced reports). If you never pay, you still get a complete budgeting app with no ads.

What happens to my data if I switch phones?

Export a backup file from Settings, move it however you like, and import it on the new phone. Your data never touches our servers — because we don't have any.

Where can I get Tuck?

Tuck is live now — download it on Google Play.

Budget like nobody's watching.

Because nobody is. Tuck is out now on Google Play.

Get it on Google Play More from T&O Ventures