Budgeting that clicked for generations
The envelope method is the simplest way to budget: cash goes into labelled envelopes, and when an envelope is empty, it's empty. Envelopes brings it to your iPhone — without the cash, the spreadsheet, or the math.
- 1
Fill your envelopes
When money comes in, divide it across envelopes — groceries, rent, eating out. Every dollar gets a job before you spend it.
- 2
Spend from them
Log expenses in seconds as you go. Each envelope shows what's left, so a glance tells you whether that extra coffee fits.
- 3
Refill and repeat
At the end of the month, top your envelopes back up and celebrate what you saved. Budgeting becomes a habit, not a chore.
Answer a few questions and start with a budget tailored to you.
Everything you need. Nothing you don't.
Envelopes stays simple on purpose — and leans into everything your iPhone can do.
Radically native
Built for iOS and nothing else. Fast, fluid, and at home on your iPhone — with Siri Shortcuts and Spotlight built in.
Plan every dollar
The Plan tab turns your income into a zero-based budget. Fill envelopes each period and see surplus or shortfall at a glance.
Budget together
Share your budget with your partner. You both see and edit the same envelopes, each from your own device.
Private by design
No account, no bank logins. Your budget syncs through your own iCloud and stays yours.
Works in your currency
Budget in dollars, euros, kroner, or rupees. Envelopes works wherever you live.
A tailored start
Answer a few quick questions and get a personalised budget — no calculations required.
Take a look around
Clean, calm, and quick — the way a money app should feel.
Your whole budget on one screen — every envelope and what's left in it.
Sound familiar?
If you've tried budgeting apps before, here's where Envelopes fits in.
Coming from Goodbudget?
The method you love, modernised
Keep the envelope system you're used to — in an app that's fast, genuinely nice to look at, and built for iPhone instead of the browser.
Eyeing YNAB?
A year of Envelopes costs less than a month of YNAB
Zero-based budgeting doesn't need a heavyweight subscription. Envelopes is free to use, and Premium is $7.99 a year.
Outside the US?
EveryDollar's simplicity, everywhere
Envelopes works in any country and any currency — no US bank account required.
Loved by budgeters
Every rating so far: five stars. Straight from the App Store.
★★★★★
“Envelope budgeting is my preferred method of budgeting and this app nails it. It's easy to understand and has a good onboarding flow to get you started with default envelopes. … The developer seems open to feedback and took some of my suggestions into account when I reached out. I'd recommend this app to someone who prefers envelope budgeting and doesn't need bank linking.”
★★★★★
“Easy to set up and has already been updated following requests for additional features. Very responsive app developer willing to improve app to make it fit user requirements.”
★★★★★
“Easy to set up!”
Budgeting shouldn't strain the budget
Envelopes is free. If it saves you money, Premium is a small way to keep it going.
Free
$0forever
- Unlimited envelopes and transactions
- Personalised budget to get started
- Monthly planning with income allocation
- Sync and share through iCloud
Premium
$4.99 per year
Or $0.99 monthly · One week free
- Everything in Free
- Supports ongoing development
- Hides the support banner