Power Budget Pro is an envelope-budgeting tool for people who actively manage their money and want a clear plan before spending. Rather than focusing only on what has already happened, it helps users assign money to envelopes in advance, so each purchase has a designated budget. The service supports checking and savings accounts, cash, and credit cards, with reconciliation designed to keep envelope balances and account balances aligned to the penny.

Users can create paycheck funding profiles and apply a saved plan when income arrives. Bank statements can be imported in OFX, QFX, or CSV formats; duplicate detection and an approval inbox let users review transactions before they affect the budget. Credit card purchases draw from funded envelopes, helping users set aside money for upcoming bills.

Power Budget Pro also offers reports based on reconciled transaction history, including spending and trends by month, envelope, and payee. A scratch pad lets users model alternative budget scenarios without changing their active plan, then apply a preferred version