# Envelope Budgeting: Keencents — Income and Expense Tracker

> Free, private, offline envelope budgeting and expense tracking app. (iPhone/iPad app by Nedim Bayrakdar.)

- Source: https://appshunter.io/ios/app/envelope-budgeting-keencents/id6480102564 (this page in markdown: same URL + `.md`)
- Developer: [Nedim Bayrakdar](https://appshunter.io/developer/1671037979)
- Category: Finance
- Price: Free
- Rating: 3.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 44 MB
- Languages: American English
- Released: 2024-10-09
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/envelope-budgeting-keencents/id6480102564/reviews.md

## What is Envelope Budgeting?

The free envelope budgeting app that makes managing your money simple.
Create digital envelopes, track your spending, and reach your financial goals - all with zero cost and complete privacy.

KEY FEATURES:

Smart Envelope Budgeting
• Create unlimited budget envelopes
• Track spending across all envelopes
• Instant envelope balance updates
• Move money between envelopes instantly

Completely Free
• No hidden costs
• No subscriptions
• No ads ever
• All features included

100% Private & Offline
• Your financial data stays on your device
• No cloud sync required
• Complete privacy guaranteed

Zero-Based Budgeting
• Give every dollar a job
• Stay on top of your spending
• Never wonder where your money went

Smart Insights
• Track your spending patterns
• Monitor envelope balances
• View detailed spending history
• Set and track savings goals

Perfect for:

• Anyone wanting simple envelope budgeting
• Zero-based budgeting enthusiasts
• Dave Ramsey method followers
• Privacy-conscious users
• Beginners to financial planning

Additional Features:

• Beautiful, intuitive interface
• Dark mode support
• Customizable envelope categories
• Quick transaction entry
• Detailed financial reports
• Easy envelope transfers

Start your journey to financial clarity today - download Keencents and give every dollar a purpose!

Questions? Contact us at support@getkeencents.com

## Key features

- Smart envelope budgeting
- Unlimited budget envelopes
- Track spending across envelopes
- 100% private and offline
- Zero-based budgeting
- Smart spending insights
- Customizable categories

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/envelope-budgeting-keencents/id6480102564/reviews.md

### 5/5 — So Far It’s Great!

*2026-01-09*

This is an app that is very simple to use and is a great way to keep track of your expenses. I would recommend for high school students who have jobs and want to budget as well as adults who want something simple and straightforward.

**Developer response:** Thank you for your kind words!

## Frequently asked questions about Envelope Budgeting

### What is Envelope Budgeting: Keencents?

Envelope Budgeting: Keencents is a free mobile application designed to help users manage their finances using the envelope budgeting system. It allows for the creation of digital envelopes to track spending and achieve financial goals.

### Is Envelope Budgeting: Keencents free to use?

Yes, Envelope Budgeting: Keencents is completely free. The app states there are no hidden costs, subscriptions, or advertisements, and all features are included.

### Does Envelope Budgeting: Keencents have ads?

No, Envelope Budgeting: Keencents is ad-free. The app explicitly states 'No ads ever' in its description.

### Is my financial data private with Envelope Budgeting: Keencents?

Yes, the app guarantees 100% privacy and offline functionality. Your financial data stays on your device, and no cloud sync is required.

### What devices does Envelope Budgeting: Keencents support?

Envelope Budgeting: Keencents is available for iPhone and iPod devices.

### How often is Envelope Budgeting: Keencents updated?

The latest version of Envelope Budgeting: Keencents is 1.16.1, and it was last updated on November 1, 2025. This indicates a recent update frequency.

### What is the age rating for Envelope Budgeting: Keencents?

Envelope Budgeting: Keencents has an age rating of 4+, making it suitable for a wide range of users.

### What budgeting methods does Envelope Budgeting: Keencents support?

Envelope Budgeting: Keencents is ideal for simple envelope budgeting and zero-based budgeting enthusiasts. It also aligns with the principles of the Dave Ramsey method.

## Version history (last 5 releases)

### 1.16.1 — 2025-11-01

We've made some improvements and bug fixes.

### 1.16.0 — 2025-10-24

We've revamped the onboarding experience, translated the app into German and made some small UI improvements. If you have any feedback, especially on the translations, please reach out!

### 1.15.3 — 2025-10-14

We've made some UI improvements and fixed several bugs thanks to your valuable feedback. Keep the feedback coming!

### 1.15.2 — 2025-10-07

We've made some small UI improvements.

### 1.15.1 — 2025-09-24

We've made some small improvements.

## More apps by Nedim Bayrakdar

- [Vigorly](https://appshunter.io/ios/app/vigorly/id1671037977)

All apps by Nedim Bayrakdar: https://appshunter.io/developer/1671037979

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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 2026-06-10.*