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Envelope Budget - Kualia

Envelope Budget - Kualia

Personal Finance Planner

47 ratings
29 reviews
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

Released
October 17, 2024
Updated
September 26, 2026

Features

Developer

Kualia, Inc.
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🧾$199.99
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About

Effortlessly manage your finances with an envelope budgeting system. Link accounts, track spending, and fund categories with ease. Gain clarity on your financial standing with insightful reports and a user-friendly interface.

✓Envelope budgeting system
✓Unlimited spending categories
✓Track expenses, income, debt, and bills
✓Automatic bank syncing via Plaid
✓Net worth tracking
✓Spending trend reports
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What's New in Envelope Budget

3.6

September 26, 2026

Kualia 3.6 - Explore refreshed reports with clearer cash flow charts, filters, and breakdowns by category, merchant, and group. Tap a row to see its transactions. - Find transactions more easily with expanded search and filtering. - Enjoy improved iPhone layouts and navigation. - Keep subscription access during temporary connection problems. - Match bank imports to manually entered and planned transactions more reliably, and keep income in Ready to Assign unless you have chosen a category. - Fixed entering older planned transactions after changing a schedule.

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Subscriptions & In-App Purchases

Kualia Pro Month

Month subscription of Kualia's full features

$9.991 Month
7 Days trial
Price Updates
October 23, 2026→$9.99
November 27, 2025→$9.99
September 9, 2025→$7.99
February 13, 2025→$7.99
January 18, 2025→$7.99
November 23, 2024→$4.99
November 11, 2024→$3.99
October 29, 2024→$3.99
October 16, 2024→$7.99
September 16, 2024→$7.99
August 19, 2024→$3.99
How to cancel Envelope Budget subscription ⁉️

User reviews

Most RecentHighest RatedLowest Rated

Best way to budget

It took me awhile to get used to it, very hands on. But really this is the best way to do a budget and I’ve used a lot of different apps.
Bbahemoth

Does not work!

Out of the five tabs that are included in this app only two of them work. The rest just have a purple dial in the middle acting like it's working on it but nothing ever happens. The app simply has major flaws. I have an iphone 17 and great internet. It is definitely not user error here. Update: I was contacted by the developer to say that these problems were fixed and I can attest that they still are not fixed. For me to pay what I feel like is a significant amount for an app and to have over half of the tabs inside the app not work is very disappointing.
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OOnly1priscilla

Update! An app truly worth the download!

I am Still using the app almost a year later and it still passes the vibe check!!! I am by no means a rich person but please do yourself a favor and download this app if you want to get your finances together at whatever stage you are in! $7.99 a month is so worth it! I have tried free options, paid options, and nothing has compared to this app. There has been so many updates since I downloaded it that has improved my experience. The feedback is truly listened too! Very easy to use and customizable. Take control of your budget or lay back and connect your accounts to auto transfer your expenses! Your pick!
I cannot rave about this app enough, please give it a shot. Consider this the start of your financial investment.
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___chio

Perfeito

Sou brasileira e gostaria de agradecer ao criador por esse app incrível, custo beneficio e lindo, sai do Ynab pelo preço absurdo e encontrei esse app perfeito, completo e que salvou minhas finanças, assinarei o premium assim que acabar meu período grátis, pois vale muito! Gratidão pelo app, de verdade, estou muito grata! ❤️

Atualização: Pela primeira vez na vida eu tenho dinheiro sobrando depois do dia 13 na minha conta, estou muito agradecida pelo app, muito obrigada de verdade!
Atualização: Ainda sigo com dinheiro sobrando, obrigada de verdade criador.
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AAbracadabraj

Response from developer

Estou usando o Google Tradutor, então me perdoe pelos erros. Eu queria te agradecer pela sua avaliação incrível. Fico feliz por poder construir algo que você ache útil. Eu sou apenas um desenvolvedor solo, então cada comentário como este me lembra por que estou fazendo isso. Obrigado novamente e entre em contato por e-mail se tiver alguma dúvida. E também faça uso do quadro de Solicitação de Recurso nas configurações para deixar qualquer feedback sobre o que você quer que eu construa. 👋

Bom aplicativo, mas com limitações

O aplicativo é muito bom e o desenvolvedor é extremamente acessível. No entanto, o aplicativo se limita por se ater exageradamente ao “orçamento de envelope”. Não permite, por exemplo, que se registre operações futuras (como um salário a ser recebido em breve), o que evitaria esquecimentos e permitiria melhores decisões a médio prazo.
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RRaphaelSPx

Response from developer

Translated from English, sorry for mistakes: Obrigado pela avaliação justa 🤝 Mantenho minha decisão de manter este aplicativo como um app de orçamento por envelopes, o que significa que você não pode adicionar transações futuras que ainda não aconteceram (isso quebraria o sistema de orçamento por envelopes do qual os usuários atuais dependem). Agradeço a sua compreensão e por ter tirado apenas 1 estrela pelo inconveniente! Estou sempre aberto a sugestões sobre como melhorar o aplicativo, então continue enviando-as - aqui ou por e-mail. Obrigado novamente. English: Thanks for the fair review 🤝 I do stand by my decision of keeping this an envelope budget app, which means you can't add future transactions that haven't happened yet (that breaks the envelope budget system that current users rely on). Thanks for understanding and only dropping 1 star for the inconvenience! I'm always open to suggestions on how to improve the app, so keep them coming - here or by email. Thanks again.

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FAQ

What is Envelope Budget - Kualia?

Envelope Budget - Kualia is a personal finance app designed around the envelope budgeting method. It helps users organize their spending, track expenses, and gain a clear understanding of their financial situation through automated bank syncing and insightful reports.

What are the key features of Kualia?

Key features include an intuitive envelope budgeting system, the ability to create unlimited spending categories, track various financial aspects like expenses and income, automatic bank syncing through Plaid, and detailed reports on net worth and spending trends.

How much does Kualia cost?

Kualia operates on a subscription model with no ads. It offers a 7-day free trial, after which a subscription is required to access all features. There is no free tier with locked features; all users receive the full app functionality.

Is Kualia compatible with my bank?

Yes, Kualia uses Plaid for bank syncing, which connects to thousands of financial institutions. This allows for automatic importing of transactions from your linked accounts.

Who is Kualia best suited for?

This app is ideal for individuals who are familiar with or want to adopt the envelope budgeting method. It's also great for those seeking a user-friendly, fast, and comprehensive tool to manage their daily spending, track financial goals, and improve their overall financial health.