# Envelopes: Budget Manager — Simple Envelope Budgeting

> Virtual envelope budgeting app for tracking income and expenses. (iPhone/iPad app by emdentec ltd.)

- Source: https://appshunter.io/ios/app/envelopes-budget-manager/id804726909 (this page in markdown: same URL + `.md`)
- Developer: [emdentec ltd](https://appshunter.io/developer/369600372)
- Category: Finance, Productivity
- Price: $6.99
- Rating: 4.40/5 from 126 App Store ratings · 97 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 5 MB
- Languages: American English
- Released: 2016-08-14
- Data updated: 2026-09-08
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/envelopes-budget-manager/id804726909/reviews.md

## What is Envelopes?

Envelopes is a virtualisation of the envelope budgeting method. It is simple to use and allows you to keep a close eye on where your money is being spent, but without the need to keep paper envelopes filled with cash around.

∙ Create unlimited envelopes and order them to your preference.

∙ Set up a budget with Quick Deposits and distribute your income to all your envelopes at once.

∙ Create withdrawals, deposits, and transfers with custom memos to track your spending.

∙ Secure your data with a passcode, and use Touch ID or Face ID if supported by your device.

∙ Choose from two themes (red or blue) to suit your preferences.

## Key features

- Virtual envelope budgeting
- Unlimited envelope creation
- Quick budget setup
- Track deposits and withdrawals
- Passcode and biometric security
- Customizable themes

## Chart rankings

- #140 in Top Paid · Finance (US App Store)

## What do users think of Envelopes?

Overall sentiment: positive

**Pros**

- 👍 Extremely simple and intuitive user interface
- 💰 One-time purchase instead of subscription model
- ⚡ Quick deposit feature for fast money allocation
- 📱 No bank account connection required (manual control)
- 🎨 Clean, minimalist design without unnecessary features
- 💾 No account creation needed
- 🔄 Easy transfers between envelopes
- 📝 Memo/notes feature for transaction tracking
- ⏰ Effective for digital cash envelope budgeting
- 🎯 Perfect for staying on budget and reducing overspending

**Cons**

- 📱 No cloud sync between devices
- 👥 Cannot be shared between multiple users/family members
- 🎨 Limited color options for envelopes
- 📊 No visualization or pie charts for spending analysis
- 🔄 No recurring deposits or automatic resets
- 🐛 App crashes when transferring money (reported by some users)
- ⚙️ Outdated aesthetic and UI design
- 📈 No activity reports or transaction history view
- 🏷️ Cannot categorize transactions within envelopes
- 🔍 No search functionality across envelopes

**Commonly reported bugs**

- App crashes when transferring money between envelopes
- Data loss after iOS updates
- Failed data import from legacy version
- App not downloading after purchase
- Compatibility issues with older iOS versions

**Most requested features**

- Cloud sync and cross-device synchronization
- Multi-user/family sharing capabilities
- Recurring deposits and automatic monthly resets
- Spending visualization (pie charts, graphs, reports)
- Transaction categorization and tagging system
- Envelope grouping/folder organization
- Custom color wheel for envelope customization
- Export to PDF or Excel functionality
- Search feature across all transactions
- Activity/transaction history log
- Backup and data export options
- Notes/sticky pad feature for each envelope
- Goal-setting with target dates and progress tracking
- Print summary of envelope balances
- Multiple account support
- Bank account connection (optional)
- User guide with search function and FAQ
- App tutorial for new users
- Ability to hide total balance display
- Recurring withdrawal/payment automation

## Recent user reviews (10 of 97)

All indexed reviews: https://appshunter.io/ios/app/envelopes-budget-manager/id804726909/reviews.md

### 5/5 — Best App

*2026-08-07, version 3.2.1*

So simple. So easy. I love this app.

### 5/5 — Easy & Helpful App

*2026-07-03, version 3.2.1*

This app is amazing and so easy to use. Knowing where your money is going gives a huge peace of mind. Most people don’t budget their funds, they just hope to not overspend, that was me until I found Envelopes. I like that it’s just information, not actually connected to the bank. If the total number in my checking matched the total number in my envelopes app, then the budget is balanced! I like to run many categories, all the bills are basically fixed, but then I have the things that are variable- like entertainment, travel, clothes, household…these expenses have wiggle room, so I can change up the amounts as needed. I don’t ever worry about not having money for what I need/want- if it’s been planned for in the envelopes app and I’m balanced, I can cover that cost! Budgeting gives you financial freedom!

### 5/5 — Love it!

*2026-07-03, version 3.2.1*

I really appreciate this app! It is very simple and helps. Keep all my digital money organized. Several of my children are using it as well and it just helps with budgeting and money management. I love how it’s customizable with colors and organization. Definitely worth it!

### 5/5 — Outstanding Budget App

*2026-06-27, version 3.2.1*

This is a truly great app for both information and financial discipline. Thank you for helping me have a perfect credit score for years. Try it - you’ll like it. Gil

### 5/5 — My favorite app

*2026-02-28, version 3.2.1*

My husband and I have been using this app for YEARS, it’s the only thing that keeps our budget on-track because it is so simple

### 5/5 — Love the simplicity

*2025-04-27, version 3.2.1*

We just needed a simple envelope app - and this is it! 
The one off purchase price is sooo much better for us than a subscription.  And the quick deposit feature is great.

### 4/5 — One star short of perfect

*2025-02-06, version 3.2.1*

It’s too bad that the developer for this app doesn’t update it so that it works in the cloud so that it can be shared between devices. This is the only app like this in the App Store. I would actually pay $15 a year for a subscription if it synced between devices.

### 4/5 — Love the simplicity

*2025-01-26, version 3.2.1*

I love the simplicity of this app. Too many apps have too much going on when you login. The only thing holding me back from using it is the lack of ability to categorize transactions and see them visualized in a pie chart (for each envelope) so I can see at a glance where my money is going each month. This is what helps me make changes over time to further reduce the amount I need to put in each envelope. Would love to be notified if this feature is added in the future.

### 5/5 — Love everything except…

*2025-01-07, version 3.2.1*

This app is great! However there’s 2 small things that I’d LOVE to see added. First, it would be great to organize the envelopes further into folders! (Ex: bills all in one folder, subscriptions in one, etc). Second, it’s minor but I’d like to change the color of the envelopes using a color wheel instead of being limited to preselect colors!

### 5/5 — Simple envelope budget tool

*2024-08-03, version 3.2.1*

Just what I was looking for when my budgeting program of 25 years stopped working. This envelope system is a no frills way to keep me on track and make sure I don’t over spend. Set up as many envelopes needed to pay bills, spend, and save. One thing I miss is being able to print a summary of the envelope balances, which came in handy when my last budget program crashed, but I can screen shot the envelope list instead.

## Frequently asked questions about Envelopes

### What is the envelope budgeting method?

The envelope budgeting method is a system where you allocate specific amounts of cash into different envelopes for various spending categories. This app virtualizes that method, allowing you to create digital envelopes for your budget categories and track your spending within them.

### How does this app help me track my spending?

You can create unlimited virtual envelopes for different spending categories. The app allows you to make deposits, withdrawals, and transfers between these envelopes with custom memos, providing a clear overview of where your money is going.

### Is my financial data secure?

Yes, the app prioritizes data security. You can secure your data with a passcode. Additionally, if your device supports it, you can use Touch ID or Face ID for an extra layer of security.

### Can I customize the app's appearance?

Yes, the app offers customization options for its appearance. You can choose between two themes, red or blue, to suit your personal preferences and make your budgeting experience more visually appealing.

### How do I set up a budget?

You can set up your budget with a feature called 'Quick Deposits.' This allows you to distribute your income across all your envelopes at once, simplifying the initial budgeting process and ensuring your funds are allocated according to your plan.

## Version history (last 5 releases)

### 3.2.1 — 2020-09-18

Ready for iOS 14.

### 3.2 — 2019-09-20

Refreshed the appearance of the app and added support for the new system dark mode.

### 3.1.3 — 2019-07-19

Fixed a crash when using 3D touch.

### 3.1.2 — 2019-07-04

Fixed a dark mode bug.

### 3.1.1 — 2019-06-12

Support for dynamic text sizes.

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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 2026-09-08.*