# Envelope Budget: Paycheck Plan — Spending & Bill Tracker

> Envelope budgeting app for tracking spending, bills, and savings. (iPhone/iPad app by Red Seam, Inc.)

- Source: https://appshunter.io/ios/app/envelope-budget-paycheck-plan/id6747729124 (this page in markdown: same URL + `.md`)
- Developer: [Red Seam, Inc](https://appshunter.io/developer/1761287292)
- Category: Finance, Lifestyle
- Price: Free with in-app purchases
- Rating: 5.00/5 from 4 App Store ratings · 2 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 47 MB
- Languages: American English
- Released: 2026-09-30
- Data updated: 2026-10-22
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/envelope-budget-paycheck-plan/id6747729124/reviews.md

## What is Envelope Budget?

Stop wondering if you can afford it. Envelope Budget gives every dollar a job, so you always know what you can spend, what's set aside for bills, and what's left until payday.

HOW IT WORKS
When you get paid, fill your envelopes: mortgage, groceries, gas, eating out, savings. Every purchase comes out of an envelope. When one runs low, you know before you overspend, not after.

FEATURES
• Envelopes at a glance: see what's funded, what's spent and what's left in every envelope
• Payday in one tap: allocate a paycheck the moment it lands, or reuse a paycheck template
• Overspent? Cover it from another envelope in one tap. No guilt, just a plan
• Smart inbox: new transactions arrive sorted. Payee rules suggest the envelope, and you swipe to accept
• Bank sync: connect your bank through Plaid or SimpleFIN (read-only), or enter everything by hand
• Amazon orders split by item: each item lands in the right envelope, with the EnvelopeBudget browser extension
• Budget Bootcamp: a guided start that walks you through your first weeks, step by step
• Budget together: invite your partner or family to the same budget, in sync on phone and web
• Bills calendar and savings goals, so nothing sneaks up on you
• Reports: spending by category, income by source, and net worth over time
• Home Screen and Lock Screen widgets
• Face ID or a PIN to keep your budget private

PRIVATE BY DESIGN
No ads. We never sell your data. Bank connections are read-only, and you can skip them entirely.

FREE TRIAL, MEMBERSHIP AND SELF-HOSTING
Envelope Budget can be used at no charge with your own self-hosted Envelope Budget server. The optional EnvelopeBudget.com hosted service includes a 34-day free trial; continued access to that hosted service requires a paid membership purchased through an in-app purchase.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Envelope budgeting
- Paycheck allocation
- Transaction tracking
- Bank sync (read-only)
- Bills calendar
- Savings goals
- Budget reports

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly Membership | $3.99 | per month |
| Annual Membership | $39.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime Membership | $59.99 | one-time |


## Is Envelope Budget safe?

Not enough ratings yet to assess Envelope Budget.

## Is Envelope Budget legit?

Envelope Budget: Paycheck Plan has limited verification signals. The AppsHunter Legitimacy Score for Envelope Budget is 58 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/envelope-budget-paycheck-plan/id6747729124/reviews.md

### 5/5 — $$$

*2026-10-10*

💰

### 5/5 — Excellent & Inexpensive!

*2026-10-07*

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.

## Frequently asked questions about Envelope Budget

### 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.

## Version history (last 5 releases)

### 1.0.7 — 2026-10-16

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.

### 1.0.6 — 2026-10-15

Welcome to EnvelopeBudget 1.0.6.

• Try the refreshed onboarding with a sandbox demo, real-money setup, Bootcamp guidance, and reminders.
• Create paycheck templates from allocation plans.
• See clearer explanations of what counts toward Unallocated Funds.
• Record pending transfers and keep your mobile budget in sync with web edits.

### 1.0.5 — 2026-10-10

Fixes account reconciliation so cleared but unchecked transactions are not counted as adjustments.

### 1.0.4 — 2026-10-08

• Fixed the Reconcile button being hidden behind the keyboard on iOS.
• Fixed Face ID app unlocking on supported iPhones.

### 1.0.3 — 2026-10-06

Fixes an iOS text styling issue that could cause text to appear red and underlined on some screens.

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## More apps by Red Seam, Inc

- [Nephi's Gate](https://appshunter.io/ios/app/nephis-gate/id6760855801)

All apps by Red Seam, Inc: https://appshunter.io/developer/1761287292

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*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 2026-10-22.*