Breathe in. Budget out.
Weightless budgeting has arrived. Splenvy is a new kind of money tool—one that doesn't just track your spending, but helps guide it. Splenvy takes a modern spin on the envelope system. Instead of stuffing cash into envelopes, get a debit card for each category of your budget. Splenvy is the only budgeting system with real-time AI support and physical + digital debit cards—helping you make confident choices, right at checkout. No more wondering where your money went at the end of the month. Get real-time budget adjustments and encouragement along the way. Don't track expenses. Transform.
Take Control of Your Spending
Splenvy is where mindful money meets modern budgeting. We replace budgeting stress with a simple, category-based debit card system inspired by the envelope method — so you always know what’s safe to spend.
And when things get fuzzy?
Kavin, our AI guide, helps you pause, reflect, and stay aligned in real time—without guilt, stress, or second-guessing. It's a financial coach in your pocket giving you on-the-spot budget adjustments, advice and encouragement to keep you on track. No spreadsheets. No shame. Just calm, intentional spending. It’s budgeting that finally fits your life.
Key Features
Simplified Card System
AI Budget Tracking In Real-Time
Secure Transactions
Rewards For Staying on Budget
Smart Nudges
Financial Wellness Tools
How Splenvy Works
Keep your bank. Simply transfer funds to your Splenvy account, assign the money to categories, then spend on the matching physical or digital cards. AI Kavin keeps you aligned in real time with encouragement, instant budget adjustment and automated expense tracking.
The Calm Money Movement
Financial Wellness In Your Pocket
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Simplified Card System: Spend from up to 5 categories, each with its own debit card
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Kavin AI: Your calm, in-the-moment financial coach
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Emotional Budgeting Support: Support at checkout, not just after
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Smart Nudges: Gentle reminders and suggestions before overspending
Money mindset shift
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Customizable Categories: Use our Zen Budget or make your own
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Financial Wellness Tools: Built-in meditations and mindset content
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Secure Transactions: Your data, protected
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Rewards for Staying On Track - get rewarded for honoring your budget
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Automated tracking - no more logging every expense, see it in real time
Mobile App
Manage your card categories, chat with Kavin, and monitor your spending flow—from anywhere. Use AI Kavin while you shop to stay on track.
Customer Support
Experience exceptional customer support from our dedicated team, providing assistance and guidance to ensure a smooth budgeting journey.
A System That Supports You
Meet AI Kavin
Kavin is Splenvy’s built-in AI assistant, here to support your budget in real time. Whether you're at the store debating a splurge or adjusting your monthly plan, Kavin offers thoughtful nudges, calming check-ins, and smart spending insights — no judgment, just clarity. Think of Kavin as your pocket-sized money coach, guiding you with intention every step of the way.
Pocket Peace
Budgeting isn’t just about numbers—it’s about habits, emotions, and choices.
Kavin is your calm, AI-powered support system that helps you pause, breathe, and make decisions with intention.
Choose our Zen Budget System which focuses on happiness and financial wellbeing first. Our categories in the Zen Budget reflect intentional spending. Categories include LIVE ( home, sinking funds), JOY (buy or do what you like), MOVE (transportation), just to name a few.
(Images are for illustrative purposes only and are designed to help demonstrate the benefits of our services.)
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