Budget Envelopes

Budget Envelopes

Budget, Expense & Bill Tracker

4 ratings
Free
In-App Purchases

Rating summary
4
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Details

  • Released
  • Updated
  • March 2, 2026
  • June 10, 2026

Features

Budget Envelopes screenshot #1 for iPhone
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Budget Envelopes screenshot #5 for iPhone
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Budget Envelopes screenshot #8 for iPhone
Budget Envelopes screenshot #9 for iPhone
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About

This app helps you manage your money using the envelope budgeting system. Track income, expenses, and savings with real-time budget monitoring. It offers insights and reports to help you stay within limits and reach your financial goals.

Envelope budgeting system
Track income, expenses, and savings
Real-time budget tracking
Fast expense logging
Spending breakdown reports
Works offline
No ads or tracking
Show original description

What's New in Budget Envelopes

2.3.8

June 10, 2026

- A bigger, smarter, more accessible Budget Envelopes This release is the biggest update in the app's history. New on-device Apple Intelligence in the places it matters, a completely redesigned AI chat, and a top-to-bottom rebuild for accessibility and readability. - Quick Capture with Apple Intelligence Tap the sparkle in Quick Add and just describe a transaction the way you'd say it out loud — "Spent $42 at Shell yesterday" or "Got $200 birthday gift" — and we'll fill in the amount, payee, envelope, and date for you to review before saving. All on-device. Nothing leaves your iPhone. - Scan a receipt Snap a photo and we pull the merchant, date, and total straight from the image. Privacy-safe — the OCR runs entirely on your iPhone using Apple's Vision framework. Smart envelope suggestions As you type a payee, we quietly suggest the best envelope with a confidence score. Tap to accept. We stay out of your way when we're not sure. Weekly insights A new dashboard card summarizes the week — what you spent, what changed from last week, which envelope ran hottest, one practical suggestion for next week. - Universal search A single search field across transactions, envelopes, payees, and savings goals. Reach it from the dashboard toolbar. - Undo for deletes Accidentally swiped a transaction? Tap Undo in the toast — we put it back, envelope balance and all. - Cover overdrafts in one tap When an envelope goes negative, the detail screen offers a one-tap cover from your largest-surplus envelope. - Per-envelope rollover, made visible The detail screen and envelope list now show exactly which carry-over rule is active — Roll Over, Cap At, or Zero Out. - New widget: Upcoming Bills Add it to your home or lock screen for a glanceable view of what's due in the next seven days. - Redesigned AI Budget Assistant We rebuilt the chat to feel like talking in Messages — blue bubbles for you, gray bubbles for the assistant, animated typing indicator, clean composer with voice input. - Bigger, more readable, more accessible Every screen has been rebuilt for Apple's accessibility guidelines: full Dynamic Type support all the way through the accessibility text sizes, monospaced digits in every transaction list so columns line up, full Dark Mode polish, Reduce Transparency support, WCAG AA contrast on every color chip, and VoiceOver labels throughout. The app is now noticeably easier to read for everyone — and dramatically better for users who rely on assistive technology. - Polish • Envelope cards animate when balances change, with a subtle haptic • Faster dashboard refresh on accounts with many transactions • Improved widget data accuracy Thanks for budgeting with us. If this update makes the app better for you, a quick review on the App Store really helps us out.

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Developer apps

FAQ

How does Budget Envelopes help me stop overspending?

Budget Envelopes uses the envelope budgeting system, where you allocate specific amounts to different spending categories. When a category's budget is depleted, you stop spending in that area, preventing overspending and encouraging better financial habits.

Is Budget Envelopes secure and private?

Yes, Budget Envelopes is designed with privacy in mind. It has no ads, no tracking, and requires no accounts. Your financial data is stored securely in your iCloud and is not sold, shared, or mined.

Can I use Budget Envelopes offline?

Absolutely. Budget Envelopes is built to work offline by design, meaning you can track your expenses and manage your budget even without an internet connection.

What kind of reports does Budget Envelopes offer?

Budget Envelopes provides valuable insights with reports on spending breakdown by category, income vs. expense tracking, and monthly trends presented through charts. This helps you visualize your financial habits.

How many budget categories can I create in Budget Envelopes?

You can create an unlimited number of categories, referred to as 'envelopes,' within Budget Envelopes. This allows for detailed and flexible budgeting tailored to your specific needs.

Does Budget Envelopes have ads?

No, Budget Envelopes is completely ad-free. The developers explicitly state 'No Third party Ads — ever' and 'No Tracking' to ensure a clean and private user experience.

What devices is Budget Envelopes available on?

Budget Envelopes is available on iPhone and iPad, utilizing the latest Apple technologies for a seamless experience across Apple devices.

How often is Budget Envelopes updated?

The app was last updated on May 11, 2026, indicating a commitment to ongoing development and improvements. The latest version is 2.3.7.