Not to belabor the point, but the “bracketing effect” / “envelope model” for banking is still really, really important. The problem is that no banks will build it into their software (maybe they make too much money off overdraft fees?)
BucketWise is a free, simple, locally-hosted application that allows you to do it yourself. Take your general fund, allocate it among constituent funds, and budgeting becomes comprehensible. Watch the demo video.
Is it as convenient as having it built right into your online banking? No. But it’s better than nothing, and maybe it will finally convince someone that harnessing the bracketing effect for better budgeting is the killer app of online banking.