4Envelopes
Weekly budget: what’s left
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Split each month budget into four weekly envelopes and always know what is still free to spend. Plan bills, income and savings goals in 40 currencies.
4 Envelopes is a personal budgeting app for individuals and households.
The problem it solves: most budgeting apps report the past — they group last month's spending into categories and draw charts of it. That tells you where money went, but not what you may spend today. 4 Envelopes allocates forward instead.
How it works: the calendar month is divided into four "envelopes", one per week. The month's standing commitments — salary, rent, subscriptions, savings goals — are added up and divided evenly across the four. Anything you enter for a particular week is added to that week alone. Each envelope therefore shows a single figure: how much is left to spend in that week. If a week is overspent, it is emptied and the shortfall carries forward to the weeks after it, never to weeks already lived through.
Target audience: adults managing their own or their household's money, in particular people whose income and expenses are in more than one currency — the app supports 34 currencies and converts between them using European Central Bank reference rates.
There is no user-generated content shared between users, no social features, no messaging, and no content that any user can publish to another. Every account sees only its own data.
Subscription: 4 Envelopes Monthly, an auto-renewable subscription billed monthly through your Apple ID. It renews automatically unless cancelled at least 24 hours before the end of the current period; manage or cancel it in your App Store account settings.
Terms of Use: https://4envelopes.app/en/terms/
Privacy Policy: https://4envelopes.app/en/privacy/
License Agreement (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
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4 Envelopes on iPad
• The app now uses the full width of an iPad: envelopes side by side, the calendar next to the day you pick, and reports across the whole screen. Works in Split View and in any orientation.
Say an expense out loud
• Tap the microphone and say "coffee 4.50" or "taxi 12 yesterday". The payment form opens filled in, and you check it before saving.
• Name an account as you'd say it ("from my Revolut") and it's picked for you.
Weeks carry over
• What a finished week leaves, saved or overspent, now moves into the weeks still to come, split evenly. Your envelopes always add up to the month.
The developer, Sergei Bakhmetev, 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 Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Sergei Bakhmetev
- Size
- 23.7 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later. - iPad
Requires iPadOS 16.4 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Monthly subscription $7.99
- Copyright
- © 2026 4Envelopes