Now updated to version 26.9.0 - Click here for updates.
Ultimate Envelopes 2026 — Now With a Mobile Companion App
Hey everyone — excited to share the biggest update yet to Ultimate Envelopes, the envelope-budgeting system built entirely on Google Sheets and designed to work seamlessly with Tiller.
If you’re not familiar: Ultimate Envelopes takes the transactions Tiller already feeds into your spreadsheet and layers a full zero-based envelope budgeting system on top — no other tools, no other subscriptions, nothing to install.
Your Data Never Leaves Google
This one matters, so it gets its own section instead of a footnote: all processing happens inside your browser and within Google Sheets. Transaction amounts, account balances, and budget data are never sent to an external server — there isn’t one. Delete the script and everything you’ve built stays exactly where it always was: your own Google Drive.
The Companion App works the same way — it connects directly to your sheet using your Google account. Nobody but you ever sees your numbers.
Name Your Own Price
Ultimate Envelopes is pay what you want — genuinely, including $0. Enter whatever feels fair at checkout. If it helps you budget better and you’re able to support it, great; if you can’t right now, that’s fine too. Both the Sheet and the Companion App are included either way, no feature gating.
Core Capabilities of UE Sheet 26
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Envelopes tab — create an envelope for every spending category (Groceries, Rent, Subscriptions, whatever fits your life), assign a budget, and watch color-coded status bars show exactly how healthy each one is at a glance. View by account or by group, and overdrawn envelopes are flagged in red so nothing slips by.
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Tracker tab — drill into any envelope for a full spending breakdown: current balance, total actuals, percent of budget spent, funded amount, and a complete transaction history.
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Balances tab — a live snapshot of every account — checking, savings, credit cards, investments — grouped by type, with net worth calculated automatically. See Bank Balance, Envelope Balance, and the Delta between them side by side, plus alerts when an account hasn’t synced recently.
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Payday tab — a guided funding workflow for every paycheck. Choose a funding template, work through each envelope until everything’s covered, and get warned if you over-fill.
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Startup Wizard — start fresh, upgrade from a previous UE sheet, migrate an existing Tiller Foundation Sheet in, or load sample data to explore before entering your own numbers.
Meet the Companion App
The headline feature this release: a mobile-friendly web app that connects directly to your sheet. No app store, no install — open it in any browser and it’s there.
- Insights Dashboard — balances, envelope health, and recent activity in one glance
- Add or edit transactions on the go, without opening Google Sheets
- Envelope Insights — balance, spending history, spending comparison, funding progress, and savings balance, all per envelope
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Full Payday funding workflow in the app, including saved funding templates
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And yes — dark mode here too
Add it to your phone’s home screen and it launches full-screen like a native app.
Why Envelope + Zero-Based Budgeting?
Ultimate Envelopes combines two budgeting philosophies that reinforce each other:
Envelope budgeting splits your income into named categories, each with its own limit. You can see exactly what’s left for eating out this month, instead of watching one big checking balance and hoping you have enough later.
Zero-based budgeting takes it further: every dollar of income gets assigned a job before the month starts — spending, savings, debt payoff, whatever — until income minus allocations equals zero. Nothing is unaccounted for; nothing quietly disappears.
Put together: your Tiller-imported transactions land in the right envelope automatically (or with one tap), your Payday workflow forces you to assign every incoming dollar somewhere, and your Balances tab shows the real-time gap between what’s in the bank and what’s actually available once every envelope is honored. It’s the rigor of zero-based budgeting without a spreadsheet full of manual formulas — Tiller does the data entry, Ultimate Envelopes does the accounting.
Works With Your Existing Tiller Setup
Ultimate Envelopes is fully compatible with the Tiller Foundation Sheet — your existing Tiller feeds keep working exactly as they do today. (If you’re wondering why it’s not in Tiller’s official Template gallery: Tiller doesn’t currently support Apps Script in hosted templates, so this has to be distributed separately.)
Full docs, setup guides, and the changelog: ultimateenvelopes.com
Questions? Drop them in this thread or email support@ultimateenvelopes.com — happy to help.
-Rich
Home Dashboard
Payday
Envelope Funding History
Appearance
Polish
