CheckMATE is a checkbook manager app, written for Windows, that lets you make spending categories (virtual envelopes) for your checking account. You can see screen shots of its features by scrolling down in the overview section on this site.
You enter your deposits, set up any spending categories you like and then transfer money to the categories as you wish. When you write a check or use your debit card, you tell CheckMate which category to take the money from.
One simple report tells you how much money you have available to spend in all of your categories.
It’s available for purchase as a simple download and it costs $2.00.