I’m pretty new as well (about a month) and come from a similar situation as you (using envelopes, sinking funds, etc.), though not with an app, but a spreadsheet my wife & I started and have tweaked over the years.
When I discovered Tiller I started searching around for a similar functionality that our custom spreadsheet had with categories (envelopes) and discovered this video on Tiller’s YouTube channel. I downloaded the template and started experimenting, and it has some nice features.
While in the midst of that, I stumbled upon this thread, talking about a tool a community member @richl built. It seemed to do what my own spreadsheet did, only much better, and also offered much more functionality. I’ve been experimenting with that for a few weeks and have been really enjoying it. Took a bit to get it set up & figured out, but Rich has good instructions and has also been more than patient with several questions I’ve asked.
Maybe one of those tools might offer what you’re looking for.