Envelo: Cash Stuffing Budget
Cash envelope budget planner
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
New in 1.4: savings goals with a plan per refill, and a debt payoff planner (snowball or avalanche). Offline, no bank login, one payment, never a subscription.
Stuff your cash envelopes digitally — without a subscription, without a bank login, and without ever losing your history to a silent reset.
Envelo is cash envelope budgeting the way it should feel: simple, private, and entirely in your control. No bank connection, no account, no ads — just envelopes, real cash-style discipline, and a refill process that never surprises you.
Why budgeters are switching to Envelo:
• Review before you refill — always
Every refill opens a clear before → after table you approve line by line before anything changes. Nothing resets silently, ever. You decide, every single time.
• Built for how you actually get paid
Weekly, biweekly, monthly, or a fully custom cycle — flexible pay-cycle support is core to the app, not a workaround buried in settings. Finally, an envelope budget planner built for biweekly and fortnightly paychecks.
• Savings goals with a plan per refill
Create a savings goal (a sinking fund) with a goal amount and, if you like, a target date. Envelo shows your progress and a plan in plain words, like "Save $53.34 per refill to reach $1,000 by Mar 31, 2027." The plan is an estimate based on your pay cycle, recalculated as money comes in. Once a goal is reached, refills propose $0 for it.
• Debt payoff planner: snowball or avalanche
List each card or loan with its balance, APR and minimum payment, choose a monthly amount, and compare snowball (smallest balance first) with avalanche (highest APR first). Envelo estimates when each debt could be paid off and the total interest, and compares that interest with paying only the minimums, assuming your APR and minimum payments stay the same. Log payments as you make them, optionally from an envelope. All figures are estimates: Envelo is a planner, not financial advice.
• Your data stays on your phone
No bank sync, no cloud account, no login screens. One-tap CSV export and JSON backup, plus automatic rotating backups, mean your budget is always yours to keep — and easy to restore if you ever need to.
• One payment, yours forever
Try everything free for 7 days. Then a single one-time purchase unlocks Envelo forever — no subscription, no recurring fees, no ads.
• Built past the basics
Daily safe-to-spend, goal envelopes for savings targets, scheduled expense reminders, a built-in calendar date picker, one-tap undo on any action, and a shareable cycle summary card (with an option to hide amounts) round out a toolkit made for real budgets, not a demo.
Perfect for cash stuffing, zero-based budgeting, biweekly and fortnightly paycheck planning, and anyone who wants an offline budget planner without handing their bank details to an app.
Pricing, plainly:
Envelo is free for 7 days with full access to everything. After the trial, one single payment unlocks the app forever — no subscription, no hidden fees, no account required. Your budget, your envelopes, your phone.
Ready to stop guessing where your cash went? Download Envelo and set up your first envelope in under a minute.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Save now works on the first tap, even with the keyboard open.
Better layout with large text: refill notes, goal cards and big amounts fit on screen.
The last envelope or debt in a list is no longer hidden behind the floating button.
Free trial days left now update when you come back to the app.
Small fixes.
The developer, TechInnova Solutions, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
- Identifiers
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- TechInnova Solutions LLC
- Size
- 63.8 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Unlock Forever $9.99
- Copyright
- © 2026 TechInnova Solutions