Envelopes
Envelopes are the heart of Sprigly. Each one is a category that holds money for a purpose: Groceries, Rent, that trip in spring. Money you assign to an envelope stays there until you spend it, so your savings goals and your day-to-day spending never blur together.
Create an envelope
Give an envelope a name, and optionally an emoji and a color so it stands out in your list. Make one for each thing you want to plan for. You can reorder them any time so the ones you use most sit at the top.
Set a target
A target is the amount you’d like to have funded in an envelope. It’s a quiet goal to aim for when you fund your month — not a limit, just a reminder of what “full” looks like for that category.
Read an envelope’s balance
Each envelope shows what’s left in it for the current month. Open one to see its transactions and a running balance, so you can tell at a glance how much room you have left.
The balance is simply what you funded, plus anything that carried over from last month, minus what you’ve spent. If you spend more than an envelope holds, its balance goes negative — a calm signal that the envelope is over budget and could use a top-up from somewhere else.
The Available envelope
Sprigly keeps one special envelope called Available. It holds money you have but haven’t assigned to a category yet. As you fund your envelopes, money moves out of Available and into them — and your goal each month is to give all of it a job.
Funding your envelopes is covered in Funding your month.