Envelope Budget - Kualia

Envelope Budget - Kualia

Personal Finance Planner

46 ratings
26 reviews
Free
In-App Purchases

Details

  • Released
  • Updated
  • October 17, 2024
  • July 11, 2026

Features

Envelope Budget - Kualia screenshot #1 for iPhone
Envelope Budget - Kualia screenshot #2 for iPhone
Envelope Budget - Kualia screenshot #3 for iPhone
Envelope Budget - Kualia screenshot #4 for iPhone
Envelope Budget - Kualia screenshot #5 for iPhone
Envelope Budget - Kualia screenshot #6 for iPhone
Envelope Budget - Kualia screenshot #7 for iPhone
Envelope Budget - Kualia screenshot #8 for iPhone
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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

2.33.0

July 11, 2026

What's New - Launch instantly with your latest budget data and keep navigating key screens offline while fresh data syncs in the background. - Add transactions from the iPhone Home Screen or Shortcuts, with amount, payee, account, category, date, and notes ready to prefill. - Favorite bank accounts and categories and keep those favorites synced between iPhone and the web. - Choose automatic or manual entry for future and recurring transactions, with correct merchant names in Planned. - Enjoy smoother rendering across reports, budgets, accounts, and transaction lists.

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Subscription plans

Kualia Pro Month

Month subscription of Kualia's full features

$9.991 Month
7 Days trial
Price Updates
July 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 ⁉️
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In-App Purchases

$199.99

Kualia Pro Lifetime

Lifetime purchase for Kualia's full features

User reviews

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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Response from developer

Hey! Thanks for the review, and happy to say that this has been resolved. I pushed a bug recently related to auth. Solved by logging out and back in. I did send out an email blast with this notice. Maybe it went to spam for you. If you give it a try again, please log out and back in to get it working again. 🤝

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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Response from developer

Chio, you rock 🫵😎 happy to hear you’re loving it.

Negative Changes - SOLVED!

UPDATE- Igor figured out what the issue was!! First and foremost, even though we have had previous communication by email with no issues, this time I requested support all of his replies were getting sent to my spam folder so I wasn’t seeing them. So the amazing customer service I enjoyed before is absolutely still the case. It didn’t even occur to me to check my spam folder since we had multiple communications in the past that way so I kinda feel stupid for assuming he wasn’t replying… Once we figured that out, he was able to solve my transaction / bank problem immediately and of course he is looking into it more to make sure it isn’t a problem moving forward for anyone else. So everything in my review from before no longer applies! I truly love this app and it has helped my budgeting and bill tracking process drastically. While I love the app, the customer service continues to be the best part of the experience. If you don’t get a reply, just double check your spam folder! 😅 Thank you again, Igor!!


I’ve been using this app for quite some time now and it was absolutely amazing until very recently. As of January 21st, the app says it is synced to my bank accounts but is not uploading any of my transactions. I’ve reached out to support multiple times via email where I used to get responses very quickly from the developer Igor who has in the past provided such amazing customer service, but I am not getting any replies from him anymore since this issue started. Up until this started I would have told anyone and everyone I would be a lifetime customer, but if this doesn’t get fixed and I can’t get in touch with customer service for help then I am going to be forced to find another way to keep track of my budget. I’m really starting to struggle to keep track of my stuff now since my transactions aren’t uploading. I don’t want to find someone else, I have absolutely loved this app in particular and have tried so many others, so I’m really really bummed… please please fix this issue as soon as possible, Igor. 😢 i am for real so sad about this.
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Response from developer

Ariel! Please check your spam! I am so sorry. I have replied to both of your emails and it seems you are not getting them. Can you please check spam? Here is what I said to your emails: "Hey, it looks to be an issue with that bank. I just flipped your connection to unhealthy. Can you see if you can reconnect. This might fix the issue." Also, if you are still not able to receive my emails, please try joining the Discord server that you can find in the Settings of the app. I am still actively working on this app every day. This is so unfortunate. I think my emails are going to spam for some users. Please check 🙏 Please join Discord if you can!

Negative Changes

I’ve been using this app for quite some time now and it was absolutely amazing until very recently. As of January 21st, the app says it is synced to my bank accounts but is not uploading any of my transactions. I’ve reached out to support multiple times via email where I used to get responses very quickly from the developer Igor who has in the past provided such amazing customer service, but I am not getting any replies from him anymore since this issue started. Up until this started I would have told anyone and everyone I would be a lifetime customer, but if this doesn’t get fixed and I can’t get in touch with customer service for help then I am going to be forced to find another way to keep track of my budget. I’m really starting to struggle to keep track of my stuff now since my transactions aren’t uploading. I don’t want to find someone else, I have absolutely loved this app in particular and have tried so many others, so I’m really really bummed… please please fix this issue as soon as possible, Igor. 😢 i am for real so sad about this.
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Don’t look back. Get this app!!!!

As a person who has tried multiple apps,physical envelopes,spreadsheet, you name it. This app has been amazing! Any questions I have are answered within a timely manner and not weeks later. They take suggestions to improve the app. $7.99 a month, trust me it’s worth it. I always wanted to try “free” options to save money and thought Why would you pay for a budgeting app? This app proved me wrong! Do yourself a favor and try this app out!
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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.