Okane: Envelope Budgeting

Okane

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About this app

Your budget planner lives in a Google Sheet you own. Okane is an envelope budgeting and expense tracker app built for Android — with automatic bank sync, on-device AI, and your data always in your hands.

Most budgeting apps lock your financial data inside their servers. Cancel your subscription? Your history disappears. Okane is different. Every transaction, every category, every dollar you assign lives in a Google Sheet on your Drive. You can open it anytime, share it with a partner, build your own formulas, or export it however you want. Your money, your data, your rules.

📊 ENVELOPE BUDGETING THAT ACTUALLY WORKS

Okane uses the proven zero-based budgeting method—give every dollar a job, track spending by category, and move money between envelopes when life happens. The difference? You don't need to pay $100 a year for it.

🏦 AUTOMATIC BANK SYNC

Connect your US bank accounts through Plaid and let transactions flow in automatically. No more typing in every coffee purchase.

🤖 SMART CATEGORIZATION, COMPLETELY PRIVATE

On-device AI categorizes your transactions automatically. The model runs entirely on your phone — no data is sent to any cloud service. It learns from your corrections over time.

✨ KEY FEATURES
• Envelope budgeting — assign every dollar a purpose
• Google Sheets as your source of truth — full data ownership
• Automatic bank sync via Plaid (US banks)
• On-device AI transaction categorization — privacy-first
• Monthly budget tracking with category-level detail
• Custom categories with icons and colors
• No ads, no data selling

💰 THE PERFECT BUDGETING APP FOR COUPLES & INDIVIDUALS

Because it runs on Google Sheets, it's the ultimate budgeting app for couples. Just share the sheet, and both of you can track expenses in real-time. Your Google Sheet is the single source of truth. You can open it right now in Google Sheets and see exactly what Okane sees. Add a column. Write a formula. Share it with your spouse. It's a spreadsheet.

❓ FREQUENTLY ASKED QUESTIONS
Do I need to be a spreadsheet expert to use this?
Not at all! Okane handles all the heavy lifting. The app acts as a beautiful, intuitive budget planner right on your phone, while silently organizing your data in the background. You get all the flexibility of a Google Sheets budget without ever needing to write a single formula—unless you want to!

Is Okane a good budgeting app for couples?
Yes. Because your financial data lives in your own Google Drive, sharing your finances is as simple as clicking "Share" on your spreadsheet. Both partners can use Okane as their daily expense tracker, and every transaction stays perfectly synced in one unified budget. No extra fees for adding a partner.

Why use envelope budgeting?
Traditional apps only look backward at what you already spent. Envelope budgeting looks forward. By assigning every dollar a specific job (an "envelope") before you spend it, you stay in total control. If life happens and you overspend on groceries, just easily move money from your "Dining Out" envelope to cover it.

Is it safe to connect my bank accounts?
Absolutely. We use Plaid—the industry standard for bank-level security—to securely sync with your US banks. Okane never sees, stores, or has access to your bank login credentials. Combine that with our strictly on-device AI for categorization, and your financial data has never been more private. We will never sell your data or show you ads.

🚀 GET STARTED IN MINUTES

Sign in with Google, Okane creates a budget spreadsheet on your Drive. Connect your banks, set your budgets, done.

What’s new

This latest Okane release includes minor bug fixes and performance enhancements to keep your budgeting on track.