Kualia makes envelope budgeting effortless. Whether you're just getting started or switching from another app, you can set up your budget, link your accounts, and start tracking spending in minutes.
Every dollar gets a purpose. Fund your categories with a single tap, review imported transactions with a swipe, and always know exactly where you stand financially.
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What Users Are Saying
"For those familiar with an envelope budget, or zero-based budget, this app really nails it. For a fraction of the price of competitors, it offers pretty much the same functionality, it's being actively developed, and the developers are super friendly and really prioritize user feedback."
"I've spent a long time and numerous app downloads to find a budget app that meets all my needs and this is the one! This app is so easy to use and covers every single aspect that I am looking for."
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Why Kualia?
Budget With Confidence
Built around the envelope method, Kualia turns budgeting from a chore into a daily habit you can actually keep up with.
Create unlimited categories to organize your spending
Set weekly, monthly, or yearly targets for each category
Track expenses, income, debt, and recurring bills in one place
Fund your entire budget with a single tap
Bank Syncing Through Plaid
Link your accounts and let transactions flow in automatically.
Connect to thousands of financial institutions
Review and categorize imported transactions one by one
Enter transactions manually whenever you prefer
End-to-end encryption and bank-level security
Reports That Actually Help
See the full picture of your finances without digging through spreadsheets.
Track your net worth over time
View monthly spending trends and top categories
Reports classify transactions as inflows or outflows based on their net effect
Spending breakdowns across savings, checking, and credit accounts
Designed to Be Fast
Kualia is built for speed. Budgeting a full list of categories, reviewing transactions, swiping through your day -- it all feels snappy and responsive. No lag, no waiting.
Built by an Indie Developer
Kualia is built and maintained by a solo developer who reads every piece of feedback. This isn't a faceless corporation. If you have a question, you'll hear back from the person who actually builds the app.
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Subscription
Kualia runs on a simple subscription with no ads, ever.
7-day free trial to explore everything
No free tier with locked features. Everyone gets the full app.
Subscriptions renew automatically unless canceled at least 24 hours before the end of the billing cycle.
Any unused portion of the free trial is forfeited upon subscribing.
Take control of your money with Kualia.
Terms of Use: https://www.kualia.com/terms-of-use
Privacy Policy: https://www.kualia.com/privacy
UPDATE- Igor figured out what the issue was!! First and foremost, even though we have had previous communication by email with no issues, this time I requested support all of his replies were getting sent to my spam folder so I wasn’t seeing them. So the amazing customer service I enjoyed before is absolutely still the case. It didn’t even occur to me to check my spam folder since we had multiple communications in the past that way so I kinda feel stupid for assuming he wasn’t replying… Once we figured that out, he was able to solve my transaction / bank problem immediately and of course he is looking into it more to make sure it isn’t a problem moving forward for anyone else. So everything in my review from before no longer applies! I truly love this app and it has helped my budgeting and bill tracking process drastically. While I love the app, the customer service continues to be the best part of the experience. If you don’t get a reply, just double check your spam folder! 😅 Thank you again, Igor!! I’ve been using this app for quite some time now and it was absolutely amazing until very recently. As of January 21st, the app says it is synced to my bank accounts but is not uploading any of my transactions. I’ve reached out to support multiple times via email where I used to get responses very quickly from the developer Igor who has in the past provided such amazing customer service, but I am not getting any replies from him anymore since this issue started. Up until this started I would have told anyone and everyone I would be a lifetime customer, but if this doesn’t get fixed and I can’t get in touch with customer service for help then I am going to be forced to find another way to keep track of my budget. I’m really starting to struggle to keep track of my stuff now since my transactions aren’t uploading. I don’t want to find someone else, I have absolutely loved this app in particular and have tried so many others, so I’m really really bummed… please please fix this issue as soon as possible, Igor. 😢 i am for real so sad about this.
Developer Response
Ariel! Please check your spam! I am so sorry. I have replied to both of your emails and it seems you are not getting them. Can you please check spam?Here is what I said to your emails: "Hey, it looks to be an issue with that bank. I just flipped your connection to unhealthy. Can you see if you can reconnect. This might fix the issue."Also, if you are still not able to receive my emails, please try joining the Discord server that you can find in the Settings of the app. I am still actively working on this app every day. This is so unfortunate. I think my emails are going to spam for some users. Please check 🙏 Please join Discord if you can!
Wonderful budget and amazing developers
Katt B.
The developers of this app are amazing. I’ve made suggestions and sent emails and often times they got back to me fairly quickly and if it was within their ability to do what I asked, they did it, which is so different then any other development company I have dealt withbefore. They have been kind and generous to their supporters and I greatly appreciate the work and passion they pour into their app. budgeting is a passion of mine. I have gone through every single budgeting app in the App Store and I can gladly say this is one of the best, the app in itself is nice, I love the envelope system and they have made it easy to use with their auto assign features, category groups and goals. I believe it has room to grow and become even better and I can't wait to see where they go from here.
Update! An app truly worth the download!
__chio
I am Still using the app almost a year later and it still passes the vibe check!!! I am by no means a rich person but please do yourself a favor and download this app if you want to get your finances together at whatever stage you are in! $7.99 a month is so worth it! I have tried free options, paid options, and nothing has compared to this app. There has been so many updates since I downloaded it that has improved my experience. The feedback is truly listened too! Very easy to use and customizable. Take control of your budget or lay back and connect your accounts to auto transfer your expenses! Your pick! I cannot rave about this app enough, please give it a shot. Consider this the start of your financial investment.
Developer Response
Chio, you rock 🫵😎 happy to hear you’re loving it.
Nicely done
troubled-tiger
This app is not yet feature complete enough for me to use. Setting that aside for a moment, they’re off to a really great start. Most significantly, the app is incredibly snappy. Budgeting a whole list of categories goes really fast, whereas other apps make this a slow and cumbersome process. The same is true for manually categorizing transactions.Because I know they’re going to ask, Here are some features I’m missing that would be necessary for me to consider actually converting:- Import apple account transactions. I wish this weren’t a custom API. - The ability to budget entire category groups automatically, eg, “budget all for upcoming transactions” or “budget all for average spent”- Smarter category suggestions — when a transaction payee matches a previous transaction it should suggest that category at the top of the list. - some sort of import from YNAB would be really useful, even if it required manually exporting my data. I spent about an hour copying my categories over, and I didn’t even finish. If I were to migrate, it would be a disappointment to lose all my historical categorization, but not necessarily a dealbreaker. Just getting the categories and amounts allocated would be huge.
Developer Response
Thank you for this amazing review. It really does mean a lot when a user understands the complexity of building an app and why some features might be missing in the early stages. I really do appreciate it. I've taken down all of these missing features and will prioritize them accordingly.One feature you suggested I believe is already in the app - "smart category suggestions". When you select a payee, the app looks at previous transactions with that payee and automatically sets the category and account. If this wasn't working for you, shoot me an email at support@kualia.com.Thanks again for the review!- Igor
What's New
- See each category and amount for split transactions directly in transaction rows.
- Undo deletions more reliably, even when actions happen quickly.
- Navigate budgets, accounts, transactions, reports, charts, and common controls with clearer VoiceOver support.
- Keep lifetime access intact during subscription status refreshes.
- Benefit from more reliable Plaid pending-to-cleared transaction matching.
Version 2.35.0
The developer, Kualia, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Identifiers
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Kualia, Inc.
Size
76.8 MB
Category
Finance
Compatibility
Requires iOS 18.6 or later.
iPhone Requires iOS 18.6 or later.
Mac Requires macOS 15.6 or later and a Mac with Apple M1 chip or later.
