HOW IT WORKS

The right change. Literally.

Budgeting is ok. Changing spending behavior is transformational!

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THE NEW WAY TO SPEND SMART

Envelope budgeting for the 21st Century.

The old envelope budgeting method has helped millions of people. Today cash is clunky and outdated. Our digital cash envelope banking and budgeting system is the perfect solution for the modern world.

"We have attempted the cash envelope system, but we don’t like carrying cash. So much of our shopping is done online. I love that Qube Money is a “real time” spending system, and the key word for us is AUTOMATIC!"

Lisa — Small Business Consultant

Nebraska

HOW IT WORKS

Qube creates intentional, smart, spending habits.

Qube gives you the freedom to manage your money with real purpose. Start building healthy budget habits with a system proven to change how you spend money.

Spend with thoughtful intention.

When the dollar value in a spending qube is tapped, the balance is immediately ready to spend on your Qube Card. Easily allocate money to cover your bills and stay within budget. Automate bill payments and stay in control of who can deduct money from your account.

Experience real-time, automatic tracking.

Because you choose which qube the money comes from before you spend, the work is done. Qube Money automatically ledgers the transaction, updates the qube balance and returns your Qube Card to default zero in real‑time.

Qube is easy. Let's show you.

Step One

Deposit money into your Qube account.

Safely and securely deposit money into your Qube Money account. All money deposited in Qube Money is held by Choice Financial Group, Member FDIC. Qube Money’s tech enables you to organize and fund your qubes.

Step Two

Design your plan.

Creating qubes gives every dollar a job. Qubes are like virtual accounts or budget envelopes to easily manage and track your money.

Different ways to use Qubes

Create better spending habits
Pay off debt and keep track of bills
Save for things you want

Budget and Spending Templates | Qube Money

Budget & Spending Templates | Qube Money

Step Three

Allocate your funds.

Divvy up your money into your qubes. Now, simply click your spending qube balance to spend. Set customizable rules to enable auto-pay for your bills. And save money for your goals and dreams.

Get Started

Budget Plans App | Qube Money | Qube Money

Step Four

Live in the know.

Accurate, real-time qube balances create awareness. Make better decisions with your money.

Black Woman Holding Phone Looking Up Smiling With Blue Background | Qube Money

"Since I have started, I don’t have that end of the month anxiety. That is a huge thing… That was something that I didn’t actually expect, the peace of mind that comes from using the system."

Chris — Senior Marketing Specialist

Utah

Qubes for saving

Save for what you really want. Set goals with loved ones. Work towards goals with transparency.

Qubes for bills

Allocate bill funds, schedule due dates, and automate payments all in one place.

Qubes for spending

Users save an average of $440 more per month without feeling restricted.

Qubes for family

Learn and share money together. Create qubes with your children to teach them healthy money habits.

Qubes for couples

Building dreams is done better together. Share, plan and grow money as a team.