Envelope

Envelope: Budgeting & Banking

About this app

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 fintech company, not an FDIC-insured 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 3.07% is effective as of 12/11/25. This is a variable rate and may change after the account is opened. Fees could affect earnings on the account.

Ratings and reviews

I loved Simple when it was a thing, a banking system that did what no other system was doing. Kinda hurt when they shut it down. I'll gladly pay the annual fee for this service, super easy breezy budgeting and ease of use.

Great bank and budgeting app in one. Highly recommend if you'd like to control your spending and make sure you have enough for all your bills.

I really like the idea of the auto lock debit card feature. I was a little hesitant to commit to a mobile only option for my budgeting tool but after seeing how bad their sign up flow is I decided I was not going to have a great experience. I hope they invest more in their Android App or just create a web app so I can try again soon

What’s new

- Protected ACH envelopes (up to 3 envelopes can have their own ACH info)
- Envelope charts
- New create envelope sheet that forces choice between protected ACH and standard
- Protected savings color can be changed
- Protected savings can be renamed