I like the annual type of envelopes with a due date set. I thought it would divide out the remaining money required for the remaining time required for each month. It seems to not be doing that. I have some categories that are stuck at the non-due date type where it just divides by 12 regardless of amount in the envelope. I have another that is just wrong on the math. It says like $6 per month for a $1,200 item. I just found out it has been doing this for the past 8 months, so I'm quite far behind in that. I have another category for 1k that ends like 2 weeks before the 1.2k envelope and it seems to calculate OK. Anyway, I like the concept but it seems to not work all the time.