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Envelope Budget: Paycheck Plan

Envelope Budget: Paycheck Plan

Spending & Bill Tracker

4 ratings
2 reviews
🌟 Lifestyle
💰 Finance
Free
In-App Purchases

Details

Released
September 30, 2026
Updated
October 16, 2026

Features

Developer

Red Seam, Inc
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Envelope Budget: Paycheck Plan screenshot #1 for iPhone
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Envelope Budget: Paycheck Plan screenshot #5 for iPhone
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Envelope Budget: Paycheck Plan screenshot #9 for iPhone
iphone
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🧾$59.99
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About

Manage your money by assigning every dollar a purpose. Track spending against your budget in real-time, ensuring you know exactly what you can afford to spend. Plan for bills and savings with a clear overview of your finances.

✓Envelope budgeting
✓Paycheck allocation
✓Transaction tracking
✓Bank sync (read-only)
✓Bills calendar
✓Savings goals
✓Budget reports
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What's New in Envelope Budget

1.0.7

October 16, 2026

What's new in Envelope Budget 1.0.7: • Home tab: money to allocate, transactions to review, overspent envelopes, bills due this week and goal progress, all in one place. • Envelope rows show progress against the monthly budget: Funded, Spent $x of $y, $z to go or Overspent. • Cover overspending in one tap from Unallocated or any envelope, with Undo. • Review your inbox one card at a time: swipe to accept the suggested envelope. • New reports: spending by category donut, Income by Source, stacked spending trends and net worth over time. • Goal details with progress, the amount needed per month and an On track badge. • Bills calendar with upcoming bills and paychecks. • Home Screen and Lock Screen widgets, plus Siri: "How much is left in Groceries in EnvelopeBudget?" • Picking an envelope when adding or editing a transaction now uses the same searchable picker as Assign.

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Subscriptions & In-App Purchases

Monthly Membership

Full access to EnvelopeBudget on all your devices.

$3.991 Month
How to cancel Envelope Budget subscription ⁉️

User reviews

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Excellent & Inexpensive!

I’ve been a YNAB user for over ten years, and I switched to EnvelopeBudget.com and couldn’t be happier about it! It costs less than half the price, and at least for now there’s a “pay once and own forever” option for less than the annual price of the competition. (Full disclosure: you’ll still want SimpleFIN for $15/year so that you can download transactions, which I highly recommend.). It also does everything that YNAB does, but unlike YNAB, it doesn’t think it’s smarter than you are. It also has the option to mark an envelope as “debt”, which makes it so that EB expects/allows a negative balance without bringing up warnings. And I can do my monthly budget in a fraction of the time it took with YNAB because EB doesn’t automatically fund every bucket/envelope that is negative when you rollover to a new month.
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KKillerBee92

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FAQ

How does Envelope Budget work?

Envelope Budget assigns every dollar a job by letting you fill virtual envelopes for expenses like mortgage, groceries, and savings. Each purchase deducts from an envelope, alerting you before you overspend.

Can I connect my bank account to Envelope Budget?

Yes, Envelope Budget offers optional bank syncing through Plaid or SimpleFIN for read-only access. You can also enter transactions manually if you prefer not to connect your bank.

Is Envelope Budget free to use?

Envelope Budget can be used for free with a self-hosted server. The hosted service includes a 34-day free trial, after which a paid membership is required via in-app purchase.

What are the membership costs for Envelope Budget?

The optional hosted service offers a monthly membership for $3.99 or an annual membership for $39.99. These are purchased through in-app purchases.

Does Envelope Budget have ads?

No, Envelope Budget is private by design and does not have advertisements. The developers also state they do not sell user data.

Can I budget with my partner or family using Envelope Budget?

Yes, Envelope Budget allows you to invite your partner or family to share the same budget, keeping everyone in sync across phone and web.

What devices is Envelope Budget available on?

Envelope Budget is available on iPhone, iPad, and iPod. It also offers web access for budgeting.

How often is Envelope Budget updated?

The latest version, 1.0.7, was released on October 16, 2026, indicating regular updates. The app was initially released on September 30, 2026.