Free zero-based envelope budget template for Google Sheets, with optional paid add-on
Not a personal budgeting app
- Envelope
- Zero-based
- Couples & families
Liquify: Box Budget
Plan-first box budgeting app with account alerts and optional AI plan analysis.
Research-based review, not hands-on testing. Last researched .
Overview
Liquify is a mobile app built around 'boxes' (a plan-first take on envelopes): you split monthly income into boxes until the remaining amount reaches zero, then link manual, bank or crypto accounts to boxes and compare balances against the plan. Alerts flag drift from the plan, budgets can be shared with collaborators, and AI reviews of the plan or transactions are optional.
Best for: People who want to set a monthly plan with boxes and check it against account balances, without categorizing every transaction.
Pros and cons
Pros
- Free tier covers boxes, manual accounts and investments, up to 3 budgets and 1 collaborator per budget
- Goal boxes, fixed boxes and bill-driven boxes give varied ways to fund a plan
- Account alerts notify when linked balances drift from the plan
- Shared budgets where each collaborator can link their own banks
- AI analysis is optional and nothing is sent until you run it
Cons
- Free tier shows ads (rewarded ads through ad networks per FAQ); ad-free needs Pro
- Bank sync, crypto tracking and alerts require Ultra at $6.99/month
- Deliberately not transaction-level tracking, so it is a poor fit for detailed spending categorization
- Web app is described as 'up next' in the FAQ, though the site footer links to app.getliquify.com
- Brand new solo-developer app with no store rating yet and very few reviews
Features
- Envelope budgeting included
- Automatic bank sync included
- Manual transaction entry included
- Goal tracking included
- Debt payoff tools not confirmed not confirmed
- Investment tracking included
- Bill reminders not confirmed not confirmed
- Reports & charts not confirmed not confirmed
- Multi-currency included
- Shared / household budgets included
- Separate logins for shared budgets not confirmed not confirmed
Boxes, plan balancing, account linking, alerts, shared budgets, crypto and manual investment tracking, multi-currency conversion, optional AI plan/transaction analysis, dark mode
Our review
Short version
Liquify is a mobile app built around 'boxes' (a plan-first take on envelopes): you split monthly income into boxes until the remaining amount reaches zero, then link manual, bank or crypto accounts to boxes and compare balances against the plan. Alerts flag drift from the plan, budgets can be shared with collaborators, and AI reviews of the plan or transactions are optional.
Quick profile, not a full review. Built on 2026-09-29 from the vendor site, store listings and public sources. No hands-on testing: I did not sign up, start a trial or connect a bank.
Cost
- Free with ads; Pro $1.99/mo; Ultra $6.99/mo (bank sync)
- Yearly toggle exists on site but amounts not visible; App Store lists Pro $17.99 and Ultra $59.99 items (period not labeled)
- Trial: 30-day trial on Ultra
Not confirmed
Founding year; Import/export options; Yearly prices; Bill reminders, debt payoff, reporting; Whether a web app is live; Bank sync providers.
Notes
Apple listing calls it 'Liquify: Box Budget'; Google Play calls it 'Liquify: Budget Planner'. Yearly prices not confirmed on vendor page.
Ratings are set separately against a shared rubric.
Liquify: Box Budget alternatives
Envelope budgeting with Plaid bank sync on web and iPhone
- Envelope
- Zero-based
- Expense tracking
AI-assisted expense capture and envelope-style budgeting for individuals and households
- Envelope
- Zero-based
- Expense tracking