Every dollar gets a job. None of them leave your phone.
Jarly is cash-envelope budgeting for Android. Assign your income to jars, spend from the jars, and when a jar is empty — that's the whole method.
It cannot ask for your bank login, because it never connects to a bank
Your budget is one file in the app's private storage, and every feature works with no account and no connection. Signing in with Google is optional and adds a private backup — that backup is the only thing Jarly ever sends anywhere. Every spend is one you typed, which is slower, and is also why nothing is ever miscategorised and no data broker has your spending history.
A jar you can read at a glance
Each jar is drawn as a jar with a fill level, so “how much is left” is a shape rather than two numbers to subtract.
The things other envelope apps get wrong
Paid on the 15th? So is the budget.
Your cycle can start on any day from the 1st to the 28th. Set it to your payday and every figure lines up with your bank balance. Most apps force the 1st, which makes the numbers disagree for half the month.
Unlimited jars, free
No 10-envelope cap you hit in month two. No premium tier, no paywalled reports, no trial that expires.
Roll-over per jar
Leftovers carry forward and an overspend carries as a debt, like a real envelope. Switch it off for something that should reset, like groceries.
A pace marker, not a second number
The home ring shows where you should be by now, so running hot is a shape you notice before the money is gone.
Bills and subscriptions
Rent, phone, streaming — a due date, a reminder, and a one-tap “Paid” that logs the spend into its jar. Reviewers of every incumbent ask for this.
A keypad built for money
You type minor units the way a till works, so there is never a half-entered decimal point and no locale separator ambiguity.
What you get without paying
| Jarly | Typical free tier elsewhere | |
|---|---|---|
| Envelopes / jars | Unlimited | Often capped at 10 |
| Account required | No | Usually yes |
| Bank connection | Never | Often required |
| Cycle start day | Any day, 1–28 | Usually the 1st only |
| Bill & subscription tracking | Included | Commonly paid or absent |
| Ads & trackers | None | Common |
| Price | Free | Up to ~$109/year |
Jarly deliberately does not import transactions or connect to a bank — if that's what you need, an aggregator is the right tool.
The only thing it sends is your own backup
- ✓Nothing is uploaded until you choose to sign in.
- ✓Signing out stops the backup and leaves your budget intact.
- ✓No ads, no analytics, no crash reporting, no tracking SDKs.
- ✓It never connects to a bank and never moves real money.
- ✓If two devices disagree, Jarly asks which to keep rather than silently merging two budgets.
- ✓Export a JSON backup anywhere, and erase everything from Settings.
Read the full privacy policy.