# Budgetelo: Envelope Budget App — Zero-Based Planner & Tracker

> Zero-Based Planner & Tracker (iPhone/iPad app by Pawel Dobrowolski.)

- Source: https://appshunter.io/ios/app/budgetelo-envelope-budget-app/id6752422354 (this page in markdown: same URL + `.md`)
- Developer: [Pawel Dobrowolski](https://appshunter.io/developer/1839277011)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.0 · 47 MB
- Languages: American English
- Released: 2025-09-28
- Data updated: 2026-11-05

## What is Budgetelo?

Budgetelo is an envelope budgeting app that helps you plan your money before you spend it. Every dollar of income gets a job, so you always know what's assigned, what's spent and what's left.

It's zero-based budgeting without the spreadsheet: a calm, simple way to plan your money.

HOW ENVELOPE BUDGETING WORKS IN BUDGETELO
• Add your income and see it in "To Allocate": money that is still waiting for a job this month.
• Give it a job: split it across categories (your envelopes) by hand, or in one tap with auto-allocate.
• Spend from your envelopes and watch what's left in each category update instantly.
• Plans changed? Move money between categories in seconds.

TARGETS AND SAVINGS GOALS
Set a target for every category, and colors show you at a glance what's on track, short of target or overspent.
• Monthly: resets every month, perfect for groceries, rent or bills.
• Every Year: resets once a year, for insurance, gifts or subscriptions paid yearly.
• Goal: save up by a date, once, like a trip or a new laptop.
For monthly and yearly targets, choose Carry Over (leftovers count toward the next target) or Set Aside Another (the full amount again each period, so the category grows, just like sinking funds).

FAST EXPENSE TRACKING
• Big keypad with quick pickers for category, account and payee.
• Live preview of what will be left in the category before you save.
• Swipe a category on the home screen to log an expense or income with that category already set.
• Undo right after saving, in case you tapped the wrong thing.
• Recurring transactions for rent, paycheck, salary and subscriptions.

ALWAYS AT HAND
• Home-screen widget with your balance and money to allocate, without opening the app.
• Cloud sync across your devices.
• App lock.
• Light and dark themes.
• Income vs Expense report.

PRIVATE BY DESIGN
• No bank connection: you enter transactions yourself, so you stay in control and aware of every purchase.
• AES-256 encryption, in transit and at rest.
• We never sell your data or share it with third parties.
• Secure cloud backup: reinstall, sign in and everything is where you left it.

FREE CORE APP, NO ADS
Budgets, accounts, transactions, categories, targets, recurring transactions, the widget and sync are free, with no limits and no ads.

BUDGETELO PREMIUM (OPTIONAL)
Monthly or yearly subscription for those who want more:
• Full analytics: expense breakdown, category and group detail, month comparison and top payees.
• Cloud backup and restore of budgets.
• Payment reminders per category.
• Every color palette, including a custom color picker.
Cancel anytime in App Store.

Available in English, German, Spanish, French, Italian, Japanese, Korean, Polish, Portuguese and Chinese.

Questions or ideas? Write to support@budgetelo.com.

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Budgetelo Premium | $2.99 | per month |
| Budgetelo Premium | $19.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Budgetelo Premium Lifetime | $49.99 | one-time |


## Is Budgetelo safe?

Not enough ratings yet to assess Budgetelo.

## Is Budgetelo legit?

Budgetelo: Envelope Budget App appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Budgetelo is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 3.1.0 — 2026-10-30

What's New

Foreign-currency accounts — keep accounts in any currency, for free.

Exchange rates — fetched automatically, or set your own.

Fixes — currency symbols in the right place, smoother sheets and transaction form, clearer errors when adding an account.

### 3.0.3 — 2026-10-23

What's New

Smoother experience: performance improvements throughout the app.

Fixes: small improvements and minor bug fixes.

### 3.0.2 — 2026-10-18

What's New

Smoother experience: performance improvements throughout the app.

Fixes: small improvements and minor bug fixes.

### 3.0.1 — 2026-10-14

What's New 

Welcome screen & Getting started checklist - set up in a few taps.

Edit reminders - change date, time or repeat with a swipe.

Category goals in the allocation sheet - see this month's share.

Fixes - colour-coded transaction types, all account types when adding an account, "Suggested" badge on payee accounts, lock screen during sign-out, row tap highlight.

### 3.0.0 — 2026-10-07

What's New 

All-new design - fresh look, new fonts, home widgets and palettes.

Faster entry - Undo, "left in category" hints, bulk category edits.

App Lock auto-relock, hidden balances and CSV transaction export.

Fixes - Bug fixes to enhance performance and reliability.

## Apps similar to Budgetelo

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [My Pocket Finance](https://appshunter.io/ios/app/my-pocket-finance/id6762563414) | — | Free | Finance |
| [Kobo - Budget](https://appshunter.io/ios/app/kobo-budget/id6670388998) | — | Free | Finance |
| [Even-Keep](https://appshunter.io/ios/app/even-keep/id6762011851) | — | Free | Finance |
| [Bee Budget App](https://appshunter.io/ios/app/bee-budget-app/id6796055399) | 5.0 (1) | Free | Finance |
| [Velvet: Track Your Spending](https://appshunter.io/ios/app/velvet-track-your-spending/id6447703078) | — | Free | Finance |
| [Set Aside - Budget Planner](https://appshunter.io/ios/app/set-aside-budget-planner/id6806383716) | — | Free | Finance |

## Related topics

[budget planner app](https://appshunter.io/ios/topics/budget-planner-app) · [free budget app family](https://appshunter.io/ios/topics/free-budget-app-family) · [personal budget apps like everydollar](https://appshunter.io/ios/topics/personal-budget-apps-like-everydollar) · [basic budget app](https://appshunter.io/ios/topics/basic-budget-app) · [budget envelopes spend tracker](https://appshunter.io/ios/topics/budget-envelopes-spend-tracker) · [plan and multiply](https://appshunter.io/ios/topics/plan-and-multiply)

---

*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 2026-11-05.*