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Envelope

Envelope is a budgeting app with a built-in checking account and debit cards, so you can't

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Envelope is an iOS and Android budgeting app with a built-in checking account and debit cards, designed to keep a spending plan connected to the money and cards used at checkout. It organizes the account balance into digital envelopes for bills, groceries, savings, and other purposes, with balances updating in real time as transactions occur.

Features include simple and advanced envelopes, envelope funding schedules, physical and virtual debit cards, Auto-lock controls that can decline purchases when an envelope lacks funds, spending charts and Insights, direct deposit, savings, ATM access, mobile check deposit, and domestic wires. Individual and joint accounts are available, with shared budgets and separate cards for joint account holders. The app includes a demo mode for exploring budgeting tools before opening an account. Envelope is a fintech company; banking services are provided by Pacific West Bank, Member FDIC, with eligible funds insured up to applicable FDIC limits.

12 alternatives to Envelope

Ranked by how well each tool replaces Envelope: shared features, audience, price and popularity.

  1. YNAB

    Personal budgeting app and money method

    Covers 0 of 15 key features.

    65 out of 100 match$9.08/mo

  2. Goodbudget

    A home budget app based on the envelope budget system, available on the Web, Android, and

    Covers 0 of 15 key features and has a free plan.

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  3. Banktivity

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    Covers 0 of 15 key features.

    61 out of 100 match$6.99/mo

  4. Mint

    Budget Tracker & Planner | Free Online Money Management | Mint.

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    Free plan
    61 out of 100 matchFree

  5. PocketGuard

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    Covers 0 of 15 key features.

    59 out of 100 match$6.25/mo

  6. Spendee

    Get your money into shape.

    Covers 0 of 15 key features and has a free plan.

    Free plan
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  7. CalendarBudget

    Your Visual Money Planner | Best Budget App

    Covers 0 of 15 key features.

    59 out of 100 match$11.99/mo

  8. Moneydance

    Personal finance app for Mac, Windows, Linux, iPhone and iPad

    Covers 0 of 15 key features and has a free plan.

    Free plan
    58 out of 100 matchContact sales

  9. Money Lover

    Simple way to manage personal finances

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    58 out of 100 match—

  10. Copilot Money

    Your money, beautifully organized

    Covers 0 of 15 key features.

    57 out of 100 match$7.92/mo

  11. Toshl

    Track all your cards and cash in one place

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  12. ClearCheckbook

    A leader in financial management tools since 2006, specializing in budgets, account reconc

    Covers 0 of 15 key features and has a free plan.

    Free plan
    56 out of 100 match$2.49/mo