Replace Cash Envelopes with Digital Buckets
The envelope system you love, without the wallet full of cash. MyKasa brings Dave Ramsey's proven method into the digital age.
Every dollar has a job. Your money knows where to go.
No credit card required. No bank connections. Start gazelle-intense today.
The problem with physical envelopes
Cash envelopes are messy, unsafe, and don't scale
You believe in the envelope system, but physical cash creates real problems.
Hard to manage
Running to the ATM every payday. Splitting bills into exact change. Envelopes everywhere in your purse or wallet.
Risky to carry
Hundreds of dollars in your car. Lost envelopes mean lost money. Can't track where it went if it's stolen.
Doesn't fit modern life
Online shopping requires a card. Automated bills need bank access. Your spouse can't see the envelope from across town.
Exact same method, zero cash
Your Ramsey categories become MyKasa buckets
The principle is identical. The execution is safer and simpler.
Same discipline. Better execution. MyKasa tracks your plan, not your transactions. You still spend with intention.
Sinking funds that fill themselves
Dave Ramsey teaches you to save monthly for annual expenses. MyKasa calculates the exact allocation and reminds you to move it every payday.
Set your annual goals
Christmas ($1,200), Car Insurance ($900), Home Maintenance ($600)
MyKasa divides by 12
Automatically calculates $100/month for Christmas, $75 for insurance, $50 for maintenance
Get payday reminders
Transfer $225 to Sinking Funds bucket. No math. No surprises.
Your Sinking Funds Bucket
No more scrambling when December hits or the insurance bill arrives.
Income minus buckets equals zero
True zero-based budgeting, automatically enforced
MyKasa won't let you finish setup until every dollar has a job. No guessing. No leftovers.
Every dollar has a name before the month begins. MyKasa validates your plan and guides your transfers.
“We've been following the Baby Steps for two years, but I hated carrying around six envelopes full of cash. MyKasa gave me the same discipline without the stress. We're on Baby Step 4 now and still using the bucket system for everything.”
Built for your Baby Steps journey
From debt snowball to wealth building
MyKasa grows with you from Baby Step 2 through retirement planning.
Debt Snowball
Allocate extra to your smallest debt. Watch projections show your debt-free date.
Emergency Fund
Track progress toward $1,000 starter fund, then 3-6 months of expenses.
15% to Retirement
Bucket for retirement contributions. See how your wealth grows over 30 years.
Mortgage Payoff
Extra principal bucket. Project when you'll own your home free and clear.
Ready to plan with confidence?
Build your bucket plan once, then follow clear transfer guidance every payday. Upgrade when you need sharing, sync, or deeper insights.
No credit card required. No bank connections. Free forever plan.