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 Money 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 10/30/2025. This is a variable rate and may change after the account is opened. Fees could affect earnings on the account.

Ratings and reviews

Why isn't there a trial period? Why would you expect me to pay $40 before I know if I want to use it. What about a monthly option, with the ability to convert to an annual plan? I really want to try Envelope, but not like this. I recommend being able to open an account, get a virtual card, etc. but not be able to get a physical debit card until you pay the monthly or annual fee.

So far a scam. I used AI to research this app bc I couldnt find many reviews. It said it was risky many users claiming they were charged $5 but given the message "unable to open account". Its a been year and the price is now $40 and it still.doesnt work. I have no way to access the app bc they wouldnt open an account for me. It would be SOOOOOO AMAZING if in the year 2025 (almost 2026) they would allow you to open an account before you subscribe yearly with auto renew.

The whole point of this app is automation, but there's currently no way to automatically detect your paycheck?

What’s new

- Fixed crash on certain screens with TextFields
- Fixed external Plaid linking