# Budget Envelopes — Budget, Expense & Bill Tracker > Envelope budgeting app for tracking expenses, income, and savings. (iPhone/iPad app by Mobile Innovations LLC.) - Source: https://appshunter.io/ios/app/budget-envelopes/id1052741851 (this page in markdown: same URL + `.md`) - Developer: [Mobile Innovations LLC](https://appshunter.io/developer/314316469) - Category: Finance, Lifestyle - Price: Free with in-app purchases - Rating: 5.00/5 from 5 App Store ratings - Age rating: 4+ - Requires: iOS 18.6 · 11 MB - Languages: American English - Released: 2026-03-02 - Data updated: 2026-08-26 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/budget-envelopes/id1052741851/reviews.md ## What is Budget Envelopes? Budget Planner & Expense Tracker with Envelope Budgeting Take control of your money with a simple, powerful budget planner and expense tracker built on the proven envelope budgeting system. Track every dollar, stop overspending, and finally feel in control of your finances. # WHY IT WORKS Envelope budgeting gives every dollar a job. When a category runs out, you stop spending — it’s that simple. • Stop overspending • Build better money habits • Stay on budget every month • Reach your financial goals faster # KEY FEATURES ### All-in-One Money Manager • Track income, expenses, and savings • See your full financial picture instantly • Real-time budget tracking ### Envelope Budgeting System • Create unlimited categories (envelopes) • Set monthly budgets • Track remaining balance live • Stay within your limits ### Fast Expense Tracking • Log expenses in seconds • Add notes and details • Search and filter transactions ### Reports & Insights • Spending breakdown by category • Income vs expense tracking • Monthly trends and charts ### Built for Real Life • Multiple income sources • Flexible budgets • Works for individuals & families ## PRIVATE BY DESIGN Your financial data stays yours. • No ads • No tracking • No accounts • Data stored in your iCloud • Works offline Not sold. Not shared. Not mined. ## WHO IT’S FOR • People tired of overspending • Families managing household budgets • Anyone who wants a simple budget planner • Fans of envelope budgeting / cash system • Users who value privacy ## WHY CHOOSE BUDGET ENVELOPES Unlike complex finance apps, this is a simple, focused money tracker that actually helps you stick to a budget. No clutter. No confusion. Just results. ## GET STARTED IN MINUTES 1. Add income 2. Create envelopes 3. Track spending 4. Stay on budget ## Start your journey to financial control today Download now and take the first step toward a better financial future. ** Your Privacy Matters • No Third party Ads — ever • No Tracking — zero analytics SDKs • Your data stays in your iCloud • Not sold. Not shared. Not mined. • Works offline by design Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy : https://www​.mobileinnov​.com​/​Privacy​Policy​.html Built using latest Apple technologies **SUPPORT & FEEDBACK** We're committed to helping you achieve your financial goals. Questions or suggestions? We'd love to hear from you! Download Budget Envelopes today and take the first step toward financial freedom. Your future self will thank you! ## Key features - Envelope budgeting system - Track income, expenses, and savings - Real-time budget tracking - Fast expense logging - Spending breakdown reports - Works offline - No ads or tracking ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Pro Upgrade - Monthly | $1.99 | per month | | Pro Upgrade - Yearly | $9.99 | per year | ## Frequently asked questions about Budget Envelopes ### 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. ## Version history (last 5 releases) ### 2.3.9 — 2026-08-22 New currencies — now with Philippine Peso (₱)! We've added 29 more currencies so you can budget in the one you actually use. Alongside the Philippine Peso, you'll find Indonesian Rupiah, Malaysian Ringgit, Vietnamese Dong, Hong Kong Dollar, UAE Dirham, Nigerian Naira, and many more across Asia, the Middle East, Africa, Europe, and Latin America. Just head to Settings → Currency to pick yours. A cleaner, easier-to-read design We gave the Dashboard, Envelopes, and Income screens a fresh polish: • Your amounts now line up in tidy columns, so they're easier to scan at a glance • Refined colors and spacing for calmer, clearer screens • Sharper cards in Dark Mode Thank you for all your feedback, keep it coming! If you're enjoying Budget Envelopes, a quick rating really helps our small team. ### 2.3.8 — 2026-06-10 - 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. ### 2.3.7 — 2026-05-11 Savings Goals - Major Upgrade We completely redesigned Savings Goals based on your feedback! Here's everything new: • Cover Photos & Vision Board — Add a cover photo to any goal and create a vision board with up to 10 inspiration photos to keep you motivated • Auto-Contribute — Set automatic savings on a daily, weekly, bi-weekly, or monthly schedule. Contributions are added when you open the app • Reminders — Get notified when it's time to save with customizable reminder frequency and time • Milestone Celebrations — Hit 25%, 50%, 75%, or 100% and get a celebratory animation with haptic feedback • Savings Schedule — See exactly how much to save daily, weekly, bi-weekly, or monthly to reach your goal on time • Contribution Streaks — Track your saving consistency with weekly streak badges • Pin Goals — Swipe right to pin your most important goals to the top • Emoji Picker — Personalize each goal with a custom emoji • Redesigned Goal Detail — New hero section with progress ring, stat chips, contribution history with member avatars, and a sticky "Add Contribution" button that's always visible • Better Navigation — Added Done button so you can always get back from savings goals Bug Fixes & Improvements • Fixed issue where savings goals appeared to disappear for some users • Fixed AI Chat markdown rendering • Fixed income deletion issues • Improved CloudKit sync stability ### 2.3.6 — 2026-04-29 Smarter Family Sync • Sync now works seamlessly with spotty internet — changes are saved locally and automatically pushed when you're back online • Faster sync for large budgets — savings goals, debts, and split rules are now batched instead of sent one at a time • The app no longer attempts unnecessary network calls when offline, saving battery life • Clear status messages tell you when you're offline and when your data was last synced Improved Reliability • Fixed a rare crash that could occur when a family member deleted shared data while you were viewing it • Dashboard, envelopes, income, reports, and other screens now gracefully handle remote changes during sync • Better conflict handling prevents sync loops when two family members edit at the same time • Failed sync operations are automatically retried when your connection is restored AI Chat Improvements • AI responses now display with proper formatting — headings, bold text, and bullet points render correctly instead of showing raw markdown Income Management • You can now swipe left on posted income entries to delete or edit them Bug Fixes & Polish • Fixed an issue where leaving a family while offline could incorrectly clear your data • Improved error messages for iCloud and network issues with clear guidance on how to resolve them • Dashboard refreshes efficiently after sync updates instead of reloading everything ### 2.3.5 — 2026-04-21 Debt Free App Integration Seamlessly connect with our companion app, Debt Free, to see your debt payoff progress right on your Budget Envelopes dashboard. Track balances, payments, and progress across both apps with iCloud sync. Multi-Currency Support Your preferred currency now applies everywhere — dashboard, envelopes, debts, goals, accounts, and reports. Set it once in Settings, see it everywhere. Improved Readability Enhanced text contrast, font sizes, and visual hierarchy across the app for a cleaner, easier-to-read experience. Dashboard Polish Refreshed spending charts, bolder category labels, and a streamlined layout for budget summaries and recent transactions. Bug Fixes • Fixed Priority Support email formatting • Improved Premium features screen layout • General stability and performance improvements ## More apps by Mobile Innovations LLC - [Easy Mortgages](https://appshunter.io/ios/app/easy-mortgages/id396886949) - [Debt Free –Pay Off Debt Faster](https://appshunter.io/ios/app/debt-free-pay-off-debt-faster/id407366192) - [Checkbook - Budget & Expenses](https://appshunter.io/ios/app/checkbook-budget-and-expenses/id442980285) - [Easy Expenses Tracker](https://appshunter.io/ios/app/easy-expenses-tracker/id591054245) - [Checkbook Ledger](https://appshunter.io/ios/app/checkbook-ledger/id1036032084) All apps by Mobile Innovations LLC: https://appshunter.io/developer/314316469 ## Related topics [budget envelopes](https://appshunter.io/ios/topics/budget-envelopes) · [budget envelopes spend tracker](https://appshunter.io/ios/topics/budget-envelopes-spend-tracker) · [budgetbonsai envelope budget](https://appshunter.io/ios/topics/budgetbonsai-envelope-budget) · [budget envelope tracker](https://appshunter.io/ios/topics/budget-envelope-tracker) · [my budget book pro edition](https://appshunter.io/ios/topics/my-budget-book-pro-edition) · [personal budget managements](https://appshunter.io/ios/topics/personal-budget-managements) · [envelope budget free](https://appshunter.io/ios/topics/envelope-budget-free) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*