"You Need A Budget" is excellent budgeting software that works like this. You can make separate mini accounts for different types of purchases. It imports transactions from nearly every bank and Venmo. It works on web and mobile. And the company sells subscriptions so you are the customer.

https://ynab.com/referral/?ref=RhsyymvEwUvLaJTk (If you sign up with this link then we both get a free month.)