If most people are like me they probably have their paychecks direct deposited and seldom ever have cash on hand. This app allows you to use the old school method of putting cash into envelopes for budgeting, by allowing you to put your digital money into digital envelopes for budgeting. It’s a simple yet effective method when you’re diligent enough to keep up with recording your transactions. There are some possible improvements that could be made. As other reviewers have mentioned it would be nice to be able to sync to the phone of a spouse so both can be on the same page and know where the family budget stands. Would be nice if you could have multiple “accounts”, if you have a joint account and a personal account. Or perhaps an account for cash or for credit card could be created. Even without these features though it’s still a very useful app to use when budgeting.

Loved it when it was free. Planned to drop it when it became a $7/ 1x purchase app BUT couldn’t live without it. I tried other apps however found this the easiest one to use to track money I was putting aside for specific expenses like savings, investing and tithing goals. Had to play around with it to get it to work for me but it does the trick now. For example, each pay check I use quick deposit to put money into my my main envelopes, including the main tithing envelope. I have other envelopes set up for the different charities I support with the name and amount I want to give in the envelope title. Eg: XYZ ($300). Then when that charity has a matching donation drive, I transfer money from the monthly tithing envelope to the XYZ ($300) envelope. Then I withdraw the money from the XYZ ($300) envelope and include a note (memo) saying something like 2020 donation, matching fund so 300x2=600 benefit. I can keep track of donations I’ve given and still plan to make easily. Similarly with investments, I transfer out of my main investment folder into envelopes set up for individual stocks and write a memo with the price detail. This allows me to see how much I have to invest and at a glance see how my portfolio is distributed without opening my brokerage account. Might be a pain if you had a ton of stocks. I don’t.

Had the free one which was just ok. This one has considerably vast improvements. Can put a memo in and transfer between envelopes. Can do a quick deposit on multiple accounts and manually select which accounts get the deposit. I still keep a paper budget but use this when checking figures and when out and about to see what I have left in each envelope. Didn’t mind paying the 7 dollars for it because I use it daily and like the improvement from the one that used to be free. Maybe in a future update can have separate envelopes grouped together. One for daily budget grouped together and another set of envelopes for weekly budget. Not necessary but I balance my budget weekly to make sure everything balances out and I am on track. Could call the groups of envelopes whatever fits the individuals needs. Separate files of envelopes so to say. Other than that works perfect for me. Keeps me in check on my spending.

I've only been using this app for one pay period, but I'm seeing an immediate effect on how I spend! I like that I can move money between envelopes, and change amounts any time I want- I freelance, so my budget is different every two weeks. It's very simple, which is good, but I wouldn't mind a more modern aesthetic; I think the $6.99 is a little steep for the app, but am still happy with my purchase. The one thing I would really like to see is a "reset" option. I don't like seeing my last transactions from previous pay periods, or having to fake a withdraw to get it down to zero. Hopefully this could become an option for those who like a fresh start each paycheck!