Best apps like RealBudget: Envelope Budgeting

10+ similar apps compared and reviewed

4.7 avg rating
10 free apps
Updated September 2026

RealBudget is great, but it's not the only option. Explore 10+ similar apps for iPhone and iPad, each reviewed and rated by real users. Find free alternatives, premium upgrades, and hidden gems.

Top Alternatives to RealBudget

Envy: Envelope Budget Planner#1

Envy: Envelope Budget Planner by Chimpanzee, LLC

Money Cash Expense Tracker
Editor's Choice
💰 Finance
4.8😊(794 ratings)
FreeIn-App Purchases
Envy: Envelope Budget Planner screenshot 1
Envy: Envelope Budget Planner screenshot 2
Envy: Envelope Budget Planner screenshot 3
Envy: Envelope Budget Planner screenshot 4
Envy: Envelope Budget Planner screenshot 5
Envy: Envelope Budget Planner screenshot 6

Digitize your cash envelope budgeting system with this simple expense tracker. Organize your spending into unlimited digital envelopes, easily move transactions, and track your budget without linking bank accounts. Export your data and manage your money effectively.

What We Love

  • 👍 Simple and easy to use
  • 🚀 Straightforward envelope budgeting
  • 🔒 No bank account required
  • 💰 Affordable one-time purchase
  • 🎨 Visually pleasing design

Room to Improve

  • 🔍 Limited envelope customization (renaming, reordering, deleting)
  • 🔢 Inability to track cents/pennies
  • 🔗 No multi-device sync or sharing
  • 🔢 Envelope balance rounding issues
Envelope: Budgeting & Banking#3

Envelope: Budgeting & Banking by Envelope Money, Inc.

Your ultimate money manager
Worth Considering
💰 Finance
4.7😊(387 ratings)
Free
Envelope: Budgeting & Banking screenshot 1
Envelope: Budgeting & Banking screenshot 2
Envelope: Budgeting & Banking screenshot 3
Envelope: Budgeting & Banking screenshot 4
Envelope: Budgeting & Banking screenshot 5

This app digitizes the envelope budgeting system to help users track spending, save money, and manage their finances effectively. It offers features like early paycheck access, high-yield savings, and transaction notifications for comprehensive financial control.

What We Love

  • 💰 Excellent envelope budgeting system
  • 🎨 Beautiful and intuitive user interface
  • 🏦 Integrated banking with budgeting features
  • 👥 Responsive and transparent development team
  • 🔄 Automatic fund allocation and bill payments
  • 📊 Clear visualization of spending and allocations
  • 💳 Virtual cards for each envelope
  • 🎯 Perfect replacement for Simple Bank users
  • ⚡ Seamless and effortless budgeting experience
  • 🤝 Active community engagement via Discord
  • 📈 Frequent feature updates and improvements
  • ✅ Reliable automation reduces financial stress
  • 🎨 Color-coded envelopes for organization
  • 💡 Drag-and-drop envelope reordering
  • 📋 Checkbook ordering capability

Room to Improve

  • 🚫 Signup process can be broken or confusing
  • ⏳ Account verification delays (2+ business days)
  • 📞 Support communication can be slow
  • 💳 Upfront subscription fee ($5/month or $40/year)
  • 🔗 Can only link one external bank account
  • 📱 No Apple Pay integration for quick deposits
  • 🏧 No ATM locator map in app
  • ❌ No protected overdraft feature
  • 🔢 Envelopes lack account numbers
  • 💸 Bills can only be paid from main checking account
  • 🎯 Limited flexibility for month-to-month changes
  • ⚠️ Not a true bank (regulatory confusion)
  • 🔐 Requires SSN and personal info upfront
  • 📧 Support contact difficult to find
  • ⚠️ Some negative reviews appear to be scam accusations

More apps like RealBudget

4
Expense Keep: Envelope Budget
Expense Keep: Envelope Budget
Expense Keep: Envelope Budget
Smart Simpler Budget Tracker
Free

This app offers a simple and fast way to track expenses and income, helping users manage their finances and save money. It allows for organizing funds into separate accounts or spending envelopes, with features for recurring transactions and detailed monthly history.

Track expenses and incomeOrganize money into accounts/envelopesSet up recurring transactions
💰 Finance
(1.7K)
free with in-app purchases
5
Envelope Budget - Kualia
Envelope Budget - Kualia
Envelope Budget - Kualia
Personal Finance Planner
Free

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 systemUnlimited spending categoriesTrack expenses, income, debt, and bills
💰 Finance
(47)
subscription
6
Ezenvelopes
Ezenvelopes
Ezenvelopes
Master Your Finances
Free

This app helps you master your finances using the envelope budgeting method. Visually manage your budget with color-coded envelopes, track spending in real-time with AI-powered categorization, and gain insights into your financial habits. Automate budget resets and roll over unused funds for effortless financial control.

Visual budget management with color-coded envelopesReal-time spending tracking with AI categorizationAutomated envelope resets and fund rollovers
💰 Finance
(2)
free
7
EnvelopePlus
EnvelopePlus
EnvelopePlus
by Robert E Carr Jr
Free

This app provides tools to help you master your budget and take control of your money. It offers unlimited envelopes for financial flexibility and effortless income allocation.

Unlimited envelopesEffortless income allocationMulti-envelope purchase management
💰 Finance
(3)
free with in-app purchases
8
Digital Budget
Digital Budget
Digital Budget
Envelope Budgets for Everyone
Free

Manage your finances with a personal budgeting app that allows you to track income, expenses, and set aside money for specific purposes. Plan for future 'what-if' scenarios and visualize your spending habits with helpful charts. Syncs data across iCloud-enabled devices.

Monthly budget planningEnvelope spending trackingScenario builder for future planning
💰 Finance
(6)
freemium
9
Centsible: Budget & Finance
Centsible: Budget & Finance
Centsible: Budget & Finance
Budget & Expense Tracking
Free

Easily track expenses, manage bills, and set savings goals with this intuitive finance app. Utilize the envelope budgeting system to visualize your money and make informed spending decisions. Import transactions and generate reports to gain better control over your finances.

Envelope budgeting systemExpense trackingBill tracking
💰 Finance
(14)
free with in-app purchases
10
Tracky: Simple Budget Planner
Tracky: Simple Budget Planner
Tracky: Simple Budget Planner
Manage and Track your Spending
Free

Easily manage your finances by tracking expenses and creating custom budgets. Allocate funds into categories like groceries or hobbies, and monitor your remaining balance with automatic calculations. Securely manage your money without linking bank accounts.

Create and manage budgetsTrack expenses with custom categoriesAutomatic remaining budget calculation
💰 Finance
(124)
free with in-app purchases