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 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:
* Real-Time Budgeting: Transactions update your envelope balances automatically as you spend.
* Up to 50 Virtual Cards: Create virtual debit cards for bills, subscriptions, or individual spending envelopes.
* Built-In Joint Accounts: Share one household budget and checking account while each partner gets their own debit card.
* 3.28% APY Savings: Earn 3.28% APY on protected savings kept separate from everyday spending.*
* 55,000+ Fee-Free ATMs: Withdraw cash nationwide at 55,000+ qualifying Allpoint ATMs.*
* Early Direct Deposit: Get eligible paychecks up to 2 days early.*
* Unlimited Envelopes: Organize your checking account into as many digital budgeting envelopes as you need.
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 3.28% is effective as of 9/17/2026. This is a variable rate and may change after the account is opened. Fees could affect earnings on the account.
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!
Simple Bank Revival
just-iced
If you remember Simple Bank and miss all the tools and features it offered to make your financial life easier, download Envelope. I searched high and low for alternatives after it closed. I bounced between numerous different Neobanks and financial tools that never filled the void that Simple Bank left, until I found Envelope. I’ve now been an Envelope user for a couple years now and it is only getting better. Ironically, I’m beginning to enjoy Envelope more than I ever did Simple. The road map is public and the team is relentless in executing their vision. Additionally, the team at Envelope has made it a point to make sure they are profitable by implementing a small monthly subscription charge ($5) if you end up not spending to a certain threshold in a given month. Simple Bank as amazing as it was created a great product with the idea they’d figure out how to generate profit later, which was part of their downfall. In any case, I believe Envelope will be around for a long time and it’s only going to get better.
A bank for people who like to budget. Made by former Simple bank employees!
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.
Wow!
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.
- iPhone Duo layout fixes
Version 1.49
The developer, Envelope Money, Inc., 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 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
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Envelope Money, Inc.
Size
109 MB
Category
Finance
Compatibility
Requires iOS 17.0 or later.
iPhone Requires iOS 17.0 or later.
Mac Requires macOS 14.0 or later and a Mac with Apple M1 chip or later.
