I'm working on Envelope. It's a budgeting app that comes with a checking account built in. https://envelopebudgeting.com Because the checking account is built in, you can assign real money to digital envelopes for bills, groceries, savings, and everyday spending, then spend from the money with built-in checking, debit cards, and envelope-based spending controls.

The idea is to guide spending before it happens, not just track transactions afterward.