I'm a medical resident. I built this because I was tired of paying over $100 a year just to look at my own checking account, and I didn't trust the free apps either. Envelope-style budgeting, on your own Mac. One price, yours forever. Free for 30 days.
When I started a real salary last year, with student loans and a fixed paycheck, I wanted to feel in control of my money and actually understand where it was going. Not just hope I'd make it to the next paycheck.
Every budgeting app I tried wanted a subscription. $80, $90, over $100 a year, forever, just to look at my own checking account. The free ones showed me ads or quietly sold my data. The privacy-focused alternatives looked like they were last redesigned in 2008.
So I tracked everything in Excel for a while. That got old fast. I wanted something I could pay for once, that ran on my own Mac and was actually fast to use. Keyboard shortcuts for everything. Walkthrough modals at the start and end of each month so I'd never have to remember the steps. No clicking through twelve menus to assign a few dollars.
So I built it. Allocated is the app I wished I had when I started training.
A note on why there's no name or photo: I work with patients, and a public-facing internet profile is complicated when you're a doctor. So I'm keeping things low-key for now. Every email goes to me, though, and I answer them.
— the developer
A subscription-free Mac app, designed around how money actually works on a fixed paycheck. Not around tracking every penny on principle.
Everything you need to run your money on a fixed paycheck. No investment doom-scrolling, no credit score nag, no AI bots second-guessing you.
Every dollar gets a place before the month starts. Move money between envelopes as life happens — no guilt, just clarity.
Track progress toward Emergency Fund, Travel, a new laptop — anything. Visual progress bars and monthly contribution tracking built in.
Auto-detects CSVs from Chase, Bank of America, Wells Fargo, Capital One, Citi, Discover, American Express, Apple Card, USAA, Schwab, Ally, US Bank, PNC, TD Bank, and Navy Federal. Other banks? A generic detector handles common column layouts, and you can manually map columns if needed. Smart auto-categorization that learns your rules after the first import.
A guided wizard walks you through starting each month — log your paycheck, assign your dollars, review your goals. Takes 5 minutes.
Review your spending, cover any overspending, sweep surplus to savings. A complete month-close ritual built right into the app.
Cash, savings, investments, CDs, and liabilities in one place. Auto-updated monthly chart so you can watch your net worth grow.
Everything is stored in a single JSON file on your Mac. Automatic rolling backups. No cloud, no account, no breach risk.
A full setup wizard, newbie mode with inline tips, and a comprehensive help section mean you don't need to read a manual.
Export a clean CSV of your spending by category across any date range. Share with a financial advisor or just keep for your records.
If you're new to having a real paycheck and don't want a monthly subscription on top of everything else, this is for you.
Built by one. Designed for fixed pay, loan repayment, and trying to save while you're already exhausted. $39 with verification.
A setup wizard, inline tips, and a guided monthly workflow walk you through everything. No "zero-based budgeting" jargon required. Students $39 with verification.
Already know envelope budgeting and ready to own your software outright? Same approach, one price, no recurring bill ever.
Pay once, use it forever. No renewals, no account, no one else's server ever touches your financial data.
If you're a student, or in any stage of medical training (med school, residency, fellowship), you get $20 off. I built this on a trainee budget and I want it to be accessible to other people in the same boat.
How to get the discount: Email me a photo of your student ID or hospital badge, plus a screenshot of your current class schedule or training rotation. Send it from your university or hospital email address. I'll email you back a discount code.
Meant for current students and active medical trainees. If you're a past student with an .edu address still active, or work at a hospital but aren't in training, please pay full price. The discount works on trust.