A new way to organize your money

Your money,
organized in layers.

Give every part of your money a purpose. PLYVA turns the simplicity of envelope budgeting into a modern way to plan, track, and manage your money.

PLYVA is an envelope-first budgeting and expense tracker for iPhone. Every unit of income is assigned to a named envelope before it is spent, so the app always answers one question: how much can you still safely spend? Create envelopes for bills, groceries, savings and more; track expenses and income; move money between envelopes when one runs dry; set savings goals that fund themselves automatically each month; add recurring transactions; and share a budget with your family. PLYVA is offline-first and supports multiple currencies including KM (BAM). Currently in pre-launch — join the waitlist to be first to know when it arrives on the App Store.

Be first in line — no spam, just one email at launch.

See how it works
Simpleby design
Flexiblewhen life changes
Intentionalfrom day one
Available to organize 4,000 KM
4 layersOne clear plan.
The idea is older than the app

Money has always needed a place.

Long before budgeting apps, people used envelopes. Rent had one. Food had one. Savings had one. Travel had one. Each envelope gave money a purpose.

Then

One envelope.
One purpose.

Now

One Plyva.
One layer of life.

We kept the idea. We removed the paper.

PLYVA takes the familiar simplicity of envelope budgeting and turns it into a digital system built for modern life.

The product vocabulary

Meet your Plyvas.

Your money isn't one big pile. It's made up of different goals, responsibilities and moments. PLYVA gives each one its own layer.

⌂

Home Plyva

Rent, repairs, everything home.

2,400 KM
◉

Food Plyva

Groceries, coffee, eating out.

450 KM
✈

Travel Plyva

Your next trip, one layer at a time.

900 KM
◎

New Car Plyva

A future goal made visible.

5,000 KM
↗

Savings Plyva

Money with a job in the future.

1,200 KM
How it works

Simple enough to understand.
Powerful enough to use every day.

01
＋

Create a Plyva

Give your money a purpose.

02
↓

Add your money

Decide how much belongs to each layer.

03
↗

Track your spending

Know exactly where your money is going.

04
⇄

Adjust when life changes

Move money between Plyvas when priorities change.

Plan ahead

Know what your money is meant to do.

PLYVA isn't only a record of what already happened. It helps you decide what should happen next.

  • 01 Start with what came in.
  • 02 Give each part a purpose.
  • 03 Always know what remains.
This month 4,000 KM Income to organize
allocate
Home1,400 KM
Food500 KM
Transport300 KM
Travel400 KM
Savings800 KM
Fun + buffer600 KM
Income→Allocation→Spending→Remaining
August2,752 KM remaining
☕

Coffee

Food Plyva

−4.50 KM
▣

Groceries

Food Plyva

−86.20 KM
◇

Fuel

Transport Plyva

−60.00 KM
◉

Restaurant

Fun Plyva

−42.00 KM
Every transactionhas a place.
Stay aware

Every transaction has a place.

Track your spending without losing sight of the bigger picture. Each transaction belongs to a Plyva, so you always know what changed and why.

4.50 KMisn't just “coffee” — it's 4.50 KM from your Food layer.
Built for real life

Your money can move.
Your goals can change.

Life doesn't always follow the plan. PLYVA lets you move money between your layers when priorities change.

Food Plyva450 KM
Move between layers 50 KM
0150 KM
Fun Plyva250 KM
A calm intelligence layer

Your money can become smarter.

PLYVA can understand spending patterns, help organize transactions and surface useful suggestions before small decisions become big problems.

Not a chatbot. Not noise. Just useful context.
PLYVA InsightToday

Your Food Plyva is running low.

You've spent 82% of this month's Food budget with 9 days remaining.

Suggested move50 KMFun → Food
Done. Your plan is balanced again.
Goals & savings

Give future-you a place to start.

A goal becomes real when you give it a layer.

62%
MacBook Plyva1,984 / 3,200 KMOn pace · Apr 2027
44%
Vacation Plyva880 / 2,000 KMOn pace · Jul 2027
71%
Emergency Plyva3,550 / 5,000 KMAhead · ongoing
18%
New Car Plyva2,700 / 15,000 KMBuilding · Jun 2029
Our Home
MHNH+1
⌂
Rent PlyvaShared · 2 contributors
1,200 KM
▣
Groceries PlyvaShared · 3 contributors
420 KM
⌁
Utilities PlyvaShared · 2 contributors
260 KM
✈
Vacation PlyvaShared goal
1,850 KM
Shared money

Some layers are better shared.

Money is often a shared responsibility. Couples, families and households can keep shared priorities visible without turning PLYVA into enterprise software.

CouplesFamiliesHouseholds
The PLYVA philosophy

Not another
budget app.

We believe managing money shouldn't feel like managing spreadsheets.

Simple.Clear.Intentional.Human.

Money becomes easier to understand when every part of it has a purpose.

The name story

From folded paper
to digital layers.

“Ply” means a layer — something folded or made from multiple layers. An envelope starts as a simple sheet of paper. Folding transforms it into something capable of holding value.

01Paper
→
02Fold
→
03Envelope
→
04Layer
→
05Plyva
PLYVA symbol
PLY + VA

A layered space where your value lives.

The physical envelope becomes a digital layer: flexible, visible, and built for the way money moves today.

The real product

Designed to feel natural every day.

Real PLYVA screens, presented as part of the brand—not a disconnected dashboard demo.

PLYVA overview screen
PLYVA current budget screen
PLYVA goals screen
PLYVA goal detail screen
PLYVA shared lists screen
PLYVA budget alerts screen
● FAQs

Have questions?

We’ve got answers.

What is envelope budgeting?

You split your income into named envelopes — one for each part of your life — so every KM has a job before you spend it.

Is PLYVA available on iPhone?

Yes. PLYVA is a native iOS app, built to feel fast and at home on your iPhone.

How does PLYVA work?

Give your money a purpose by organizing it into layers, track what you spend, and always know how much is truly left.

Can I share my budget with my family?

Yes — with a Family plan you can share a budget so everyone stays on the same page in real time.

Does PLYVA work offline?

Yes. PLYVA is offline-first — add and edit anytime, and it syncs automatically when you’re back online.

Does PLYVA support recurring transactions?

Yes — set an interval once and PLYVA materializes each occurrence for you, month after month.

Can I create savings goals?

Yes — set a target and let PLYVA fund it automatically from your Savings envelope each month.

Is PLYVA free?

PLYVA is free to start. Paid plans unlock envelopes, goals, recurring transactions and family sharing.

Be first to give your money a purpose.

Join the waitlist — be the first to know the moment PLYVA lands on the App Store.

No spam — just one email when we launch.