Envelope: Budgeting & Banking

Name: Envelope: Budgeting & Banking
Rating: 4.7 (297 reviews)
Author: Envelope Money, Inc.

Your ultimate money manager

Only for iPhone

Free · Designed for iPhone

297 Ratings
Ages

4+
Years
Category

Finance
Developer

Envelope Money, Inc.
Size

108.6
MB

iPhone

Take Control of Your Money with Envelope: The Ultimate Budgeting & Banking App. Envelope brings back the tried-and-true envelope budgeting system in a modern, digital format. Track every dollar, save more, and take your finances to the next level. We combine the best of budget calculators, finance management, and net worth tracking to give you a seamless experience in managing your money. Designed for those serious about achieving financial goals. Why Choose Envelope? * Powerful Envelope Budgeting: Organize your spending and savings with ease. Our free budget app features allow you to create digital "envelopes" to allocate funds, so you can plan for every expense while keeping your savings on track. * Protected Envelope with interest: Grow your savings faster with our high-yield savings Protected Envelope. Earn interest with this special account designed for secure savings and higher returns, helping you reach your financial goals even sooner. * * Early Paycheck Access: Get paid up to two days early with Envelope’s early paycheck feature. Access your hard-earned money sooner so you can stay ahead on bills, budgeting, and daily expenses. * * All-in-One Finance Manager: From monitoring debit credit transactions to tracking spending, Envelope acts as your comprehensive money tracker and money manager. Stay on top of your finances with instant notifications and detailed insights. * Save Smarter, Spend Smarter: Use our money-saving tracker and other tools to set and reach savings goals. Envelope helps you track spending effortlessly, giving you the clarity needed to make informed financial decisions. Key Features: * Instant Transaction Notifications: Get real-time updates on your spending and stay aware of where your money goes. * Separate Virtual & Physical Cards: Organize your finances better with separate cards for each spending category. * Built-in Joint Accounts: Manage shared expenses smoothly with joint accounts designed to support collaborative budgeting. * Net Worth Tracker: Keep track of your assets and liabilities over time with our easy-to-use net worth tracker. * Protected Envelope – High Yield Savings: Maximize your savings with funds set aside in your Protected Envelope. * * Early Paycheck Access: Receive your paycheck up to two days early and stay ahead of your expenses. * Who is Envelope For? Whether you’re just getting started with budgeting or you’re a personal finance power user, Envelope is tailored to help you save money, track spending, and achieve financial freedom. It’s more than just a budget app – it’s a complete money-saving and financial management solution. Download Envelope and Start Your Financial Journey Today! Take control of your finances with Envelope and experience the convenience of a budget app free of hassles. Transform how you save money and manage your budget – because every dollar deserves a purpose. * Envelope is a financial technology company and is not a bank. Banking services provided by Pacific West Bank, Member FDIC. Your funds are FDIC insured up to $250,000 through Pacific West Bank, Member FDIC. Deposit insurance covers the failure of an insured bank. The Envelope Visa® Debit Card is issued by Pacific West Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. Annual Percentage Yield (APY) of 3.5% is effective as of 9/18/2025. This is a variable rate and may change after the account is opened. Fees could affect earnings on the account.

Ratings & Reviews

4.7

out of 5

297 Ratings

The best bank EVER thus far!
10/26/2023

Valayna
It was only one review but to future users: This is a FINTECH BANK. If you’re not looking for a bank with an envelope budgeting system, this bank is not for you so don’t be rating it poorly because you can’t understand what it is. Now onto the review:I’ve been with Envelope Money since it was just starting super bare bones as a beta tester and now alpha tester. I have had many banks including Simple and One which, if you had them, you know how badly we got burned. So jumping into another fintech wasn’t an easy decision but I cannot tell you how happy I was to have made the jump! This bank is built on community feedback and are committed to transparency and customer satisfaction. It is unlike any other banking experience I’ve ever had. As a neurodivergent person, an envelope system is integral to my financial success. The founders of Envelope Money have been consistently communicative and dedicated to app improvement since day one. I don’t know how they do it! I am thankful for have found EM and I hope traditional banks take note and learn a thing or two!
The best bank EVER thus far!
10/26/2023

Valayna

It was only one review but to future users: This is a FINTECH BANK. If you’re not looking for a bank with an envelope budgeting system, this bank is not for you so don’t be rating it poorly because you can’t understand what it is. Now onto the review:I’ve been with Envelope Money since it was just starting super bare bones as a beta tester and now alpha tester. I have had many banks including Simple and One which, if you had them, you know how badly we got burned. So jumping into another fintech wasn’t an easy decision but I cannot tell you how happy I was to have made the jump! This bank is built on community feedback and are committed to transparency and customer satisfaction. It is unlike any other banking experience I’ve ever had. As a neurodivergent person, an envelope system is integral to my financial success. The founders of Envelope Money have been consistently communicative and dedicated to app improvement since day one. I don’t know how they do it! I am thankful for have found EM and I hope traditional banks take note and learn a thing or two!
A bank for people who like to budget. Made by former Simple bank employees!
09/20/2024

w1ldthin9
Envelope has truly transformed the way I manage my money! The budgeting feature, or “envelopes,” has made it so simple to allocate my funds, balance my budget, and even work my way out of debt. I used to struggle with the single number most bank apps show, but Envelope breaks everything down in a way that’s easy to follow and gives me full control over where my money is going.What’s even better is that all the budgeting features, like the individual envelopes, are built directly into the app. No more needing to rely on third-party apps to manage my budget outside of my bank—it’s all in one place, which makes life so much easier!Envelope was created by former employees of the bank “Simple,” so if you loved Simple, you’ll love Envelope even more! The user-friendly design and intuitive features really feel like an upgraded experience.One of the standout features is their Discord channel, where you can vote on new features and even connect with the actual team behind Envelope—it’s great to feel like they’re listening to their users. Plus, the built-in savings account with a 4.55% APY is such a game changer for growing my savings effortlessly.I can’t recommend this app enough for anyone who wants a simple and effective way to manage their money and keep track of every dollar. Envelope has made a real difference for me, and I know it would for others too!

Developer Response
Thank you for your fantastic review! We're thrilled to hear that Envelope has transformed your money management and that you love our budgeting features and integrated savings account. It's great to know you're enjoying our Discord channel and feel connected to our team. Your feedback means a lot to us, and we appreciate your recommendation! If you have any more suggestions, don’t hesitate to reach out.
A bank for people who like to budget. Made by former Simple bank employees!
09/20/2024

w1ldthin9

Envelope has truly transformed the way I manage my money! The budgeting feature, or “envelopes,” has made it so simple to allocate my funds, balance my budget, and even work my way out of debt. I used to struggle with the single number most bank apps show, but Envelope breaks everything down in a way that’s easy to follow and gives me full control over where my money is going.What’s even better is that all the budgeting features, like the individual envelopes, are built directly into the app. No more needing to rely on third-party apps to manage my budget outside of my bank—it’s all in one place, which makes life so much easier!Envelope was created by former employees of the bank “Simple,” so if you loved Simple, you’ll love Envelope even more! The user-friendly design and intuitive features really feel like an upgraded experience.One of the standout features is their Discord channel, where you can vote on new features and even connect with the actual team behind Envelope—it’s great to feel like they’re listening to their users. Plus, the built-in savings account with a 4.55% APY is such a game changer for growing my savings effortlessly.I can’t recommend this app enough for anyone who wants a simple and effective way to manage their money and keep track of every dollar. Envelope has made a real difference for me, and I know it would for others too!
Developer Response 11/01/2024
Thank you for your fantastic review! We're thrilled to hear that Envelope has transformed your money management and that you love our budgeting features and integrated savings account. It's great to know you're enjoying our Discord channel and feel connected to our team. Your feedback means a lot to us, and we appreciate your recommendation! If you have any more suggestions, don’t hesitate to reach out.
Wow!
11/17/2024

Blah7483920274
I don’t leave reviews but envelope deserves a good 10 stars for being so seamless. After simple banks shut down I looked everywhere for a simple envelope like banking that’s easy and automated. Envelope has hit almost every check mark for me for being effortless and easy. I’m finally back to the budgeting style that works best for me without having multiple budgeting apps that complicated it for me even further. I love that the discord page for envelope is so interactive, the developers are always updating and communicating features and plans with users that make you feel like your a part of the team. Honestly the only hiccup for me is feeling like it could end like how simple banking was pulled out of nowhere. I’m really excited for the future of this banking and budgeting app that after months of testing out and putting a percentage of paycheck’s this week I’ve fully committed.

Developer Response
Thanks for the kind words. Great to have you.
Wow!
11/17/2024

Blah7483920274

I don’t leave reviews but envelope deserves a good 10 stars for being so seamless. After simple banks shut down I looked everywhere for a simple envelope like banking that’s easy and automated. Envelope has hit almost every check mark for me for being effortless and easy. I’m finally back to the budgeting style that works best for me without having multiple budgeting apps that complicated it for me even further. I love that the discord page for envelope is so interactive, the developers are always updating and communicating features and plans with users that make you feel like your a part of the team. Honestly the only hiccup for me is feeling like it could end like how simple banking was pulled out of nowhere. I’m really excited for the future of this banking and budgeting app that after months of testing out and putting a percentage of paycheck’s this week I’ve fully committed.
Developer Response 03/12/2025
Thanks for the kind words. Great to have you.
Thank you!
12/31/2023

Ryan Byerly
Since the closure of Simple, a moment I'd describe as the most disheartening in my financial journey, my partner and I have been on a quest for the ideal financial management solution. We experimented with One, which was effective but didn’t quite meet my budgeting needs.Then we discovered Envelope Money. It's been a revelation. The app is user-friendly and robust, making financial management a breeze. The customer support team has been exceptional, providing timely and helpful assistance.What really sets Envelope apart is their dynamic approach to feature updates. They actively engage on social media, maintaining a close connection with their user base – who might as well be considered fans at this point! I find myself increasingly invested in Envelope's approach to managing finances. It's almost like experiencing the efficiency of envelope budgeting all over again, reminiscent of what I cherished about Simple.
Thank you!
12/31/2023

Ryan Byerly

Since the closure of Simple, a moment I'd describe as the most disheartening in my financial journey, my partner and I have been on a quest for the ideal financial management solution. We experimented with One, which was effective but didn’t quite meet my budgeting needs.Then we discovered Envelope Money. It's been a revelation. The app is user-friendly and robust, making financial management a breeze. The customer support team has been exceptional, providing timely and helpful assistance.What really sets Envelope apart is their dynamic approach to feature updates. They actively engage on social media, maintaining a close connection with their user base – who might as well be considered fans at this point! I find myself increasingly invested in Envelope's approach to managing finances. It's almost like experiencing the efficiency of envelope budgeting all over again, reminiscent of what I cherished about Simple.

UPDATES - Removed side swiping between tabs to fix iOS 26 bottom sheet bugs - Virtual card envelopes now have a visual indicator on the Envelopes tab - Removed "Welcome to envelope" demo when you first launch the app BUG FIXES - Fixed unprompted 2FA texts when you receive a push notification - Fixed red outline around "Always move money" button - Fixed $5/month subscription sometimes not charging a fee - Toggling off "envelope virtual card" doesn't warn you if editing an envelope that doesn't have a card - App now prompts you to unlock your card when you're setting a pin

Version 1.40.19

11/23/2025

Data Linked to You

The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Identifiers
- Usage Data
- Diagnostics
Data Not Linked to You

The following data may be collected but it is not linked to your identity:
- Location

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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Envelope: Budgeting & Banking

Your ultimate money manager

Ratings & Reviews

What’s New

Version 1.40.19

App Privacy

Data Linked to You

Data Not Linked to You

Accessibility

Information

Supports

Wallet

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