Virtual Envelopes That Actually Work ๐ฐ
The proven envelope budgeting method, digitized. Slice up your money without opening new accounts or moving funds around. Everything happens automatically.
Your Money, Organized Automatically
Daily Progress
See exactly how much to save per day
Transaction History
Every penny tracked automatically
Smart Insights
AI-powered optimization suggestions
Not Your Grandma's Envelope System
Traditional Envelopes
Open multiple bank accounts
Cake Budget Slices
Create slices in seconds
Traditional Envelopes
Physical transfers between accounts
Cake Budget Slices
Virtual allocation only
Traditional Envelopes
Manual transfers each payday
Cake Budget Slices
Set once, runs forever
Traditional Envelopes
Stuck with bank transfer limits
Cake Budget Slices
Instant reallocation anytime
Four Types of Slices for Every Need
Expense Slices
For recurring bills and regular spending categories. Perfect for rent, utilities, groceries, or subscriptions.
Rent slice auto-funded from your 1st paycheck each month
Goal Slices
Save for specific purchases or experiences. Set a target amount and date, we calculate the rest.
Tokyo Trip - Need $3,000 by June? That's $250 from each paycheck
Protected Slices
Money you absolutely cannot touch. Perfect for taxes, insurance, or emergency funds.
Tax slice takes 30% from every gig payment automatically
Debt Slices
Track loan payments with interest calculations. See your payoff timeline and celebrate progress.
Student loan slice shows you'll be debt-free 8 months early
Why Slices Work Better
Virtual Envelopes
All tracking happens in Cake Budget. Your money stays in your regular bank accounts - no new accounts needed.
Automatic Funding
Paychecks distribute to slices instantly. Set percentages or fixed amounts - it runs forever without you.
Visual Progress
Watch slices fill up in real-time. Progress bars show exactly how close you are to each goal.
Flexible Transfers
Life changes? Move money between slices anytime. Your budget adapts as fast as you do.
Share Slices with Family
Budget together without sharing bank accounts. Perfect for couples, roommates, and families.
See Who Spent What
Track contributions per person. Know exactly who paid for groceries, rent, or utilities without awkward conversations.
Privacy Built-In
Only shared slices are visible. Bank accounts, personal slices, and individual spending stay completely private.
Flexible Permissions
Control who can view, assign transactions, move funds, or create rules for each shared slice.
Real-Time Updates
Everyone sees the same balance instantly. No more "Did you pay the electric bill?" texts.
Available on Family tier โข Share unlimited slices with up to 2 family members
Learn how to share slicesFully Automated = Zero Work
Smart Paycheck Detection
Recognizes income up to 5 days early or 1 day late
Rule-Based Routing
Transactions auto-categorize to the right slice
Contribution Schedules
Daily, weekly, or monthly automatic transfers
Balance Protection
Never over-allocate or create negative balances
See It In Action
Sarah's Monthly Budget
Cake Budget detects income and triggers funding schedule
Fixed Expenses
- โข Rent: $1,200
- โข Utilities: $150
- โข Car Payment: $350
Goals & Savings
- โข Emergency Fund: $320
- โข Vacation: $200
- โข New Laptop: $150
Safe to Spend: $830
Everything else is already allocated!
Perfect for ADHD & Neurodivergent Brains
- โ Set once, forget forever: No manual transfers or calculations needed
- โ Visual progress bars: See your money grow without spreadsheets
- โ Protected from impulses: Money in slices feels "spent" already
- โ No executive function required: Automation handles everything
Ready to slice up your money?
Join thousands who've automated their budgets with virtual envelopes. Set it up in 15 minutes, runs forever.
14-day free trial โข No credit card required โข 10 slice templates included