# Saving Money Challenge — Daily Envelope Tracker

> Envelope savings challenge tracker for personal financial goals. (iPhone/iPad app by Mihail Kuznecovs.)

- Source: https://appshunter.io/ios/app/saving-money-challenge/id1578843165 (this page in markdown: same URL + `.md`)
- Developer: [Mihail Kuznecovs](https://appshunter.io/developer/1467148695)
- Category: Finance, Lifestyle
- Price: Free with in-app purchases
- Rating: 4.80/5 from 438 App Store ratings · 33 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 49 MB
- Languages: American English
- Released: 2021-09-17
- Data updated: 2026-08-23
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/saving-money-challenge/id1578843165/reviews.md

## What is Saving Money Challenge?

Meet envelope savings tracker!



Achieve your goals with the Envelope Challenge. Would you like to have extra $5,050? We dare you to take the Envelopes Challenge!



Rules:


1. You have 100 envelopes with surprise number from $1 to $100.


2. Open one envelope per day and save this money.


3. After the 100th envelope you’ll achieve $5050!



Is this surprise challenge not for you? Create a goal you want to achieve. Set up the savings sum and the amount of envelopes, that suites you.



Add surprise challenge to your savings routine!



EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Envelope savings challenge tracker
- Customizable savings goals
- Daily money saving
- Track progress towards goals
- Surprise savings amounts

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly subscription | $1.99 | per month |
| Yearly subscription | $5.99 | per year |
| Yearly subscription | $11.99 | per year |
| Yearly subscription | $19.99 | per year |
| Monthly subscription | $4.99 | per month |
| Monthly subscription | $4.99 | per month |
| Weekly subscription | $2.99 | per 7 days |
| Yearly subscription | $11.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Small Tip | $0.99 | one-time |
| Medium Tip | $4.99 | one-time |
| Large Tip | $9.99 | one-time |
| Design Bundle | $3.99 | one-time |
| Analytics Bundle | $3.99 | one-time |
| Lifetime purchase | $19.99 | one-time |


## What do users think of Saving Money Challenge?

Overall sentiment: mixed

**Pros**

- 👍 Simple and well-done app
- 💡 Unique individual envelopes
- 👍 Keeps users motivated
- 👍 App doesn't link to bank accounts
- 👍 Fun and engaging saving method
- 👍 Good for challenges like 100-day savings
- 👍 Easy to manage
- 👍 Digital envelope saving

**Cons**

- 🐛 Glitches frequently
- 🤔 Unclear how money is sourced
- 🤔 Unclear how to withdraw funds
- 🐛 New update is problematic (hold down to register)
- 👎 High cost/subscription fee
- 👎 Not very customizable
- 👎 Limited to one active challenge
- 👎 Too many ads
- 👎 Total saved amount is inaccurate
- 👎 Cannot change currency
- 👎 Subscription fee upon opening app

**Commonly reported bugs**

- App glitches quite a bit
- Hold down the amount to get it to register is dumb (new update issue)
- Cannot create own challenge, it doesn't save
- App is buggy, cannot press back arrow on most screens
- Total saved amount keeps changing and is inaccurate
- Cannot access settings, they won't open

**Most requested features**

- Allow skipping and filling other envelopes before completing smaller amounts
- Allow setting multiple active challenges
- Ability to edit challenges without deleting
- Ability to pick a random envelope to use
- Ability to create own challenges that save
- Option to skip an envelope or unclick it to move on
- Option to 'catch up' on opening envelopes if behind
- Option to pay out on payday
- Include an optional random number generator
- Create $5s and $10s challenges
- Make challenges scratches, revealing saved amount and waiting until tomorrow to scratch again
- Bring back the old design/font
- Allow users to change currency (e.g., to £)
- Allow users to access settings to change challenge amounts

## Recent user reviews (10 of 33)

All indexed reviews: https://appshunter.io/ios/app/saving-money-challenge/id1578843165/reviews.md

### 5/5 — L❤️VE THIS APP!!!

*2026-06-18*

Best app to help save money! The envelope system really works whether you’re saving up for something special or just wanting to pay off debt.

### 5/5 — Updates

*2026-05-22*

I love this app. Misha was great and very quick with responding to a concern I had. Misha had fixed the issue in a timely manner.

### 2/5 — Great app but glitches

*2026-05-17*

Unique functions to have individual envelopes, update your total or days even once started but it glitches quite a bit.

### 2/5 — My experience

*2025-12-28*

I like the way it looks and the concept but I can’t figure out where the money is coming from because it didn’t ask me for any bank or card info and I can’t figure out how to withdraw if I need to. It says I saved but no record of it at all.

### 5/5 — Really well done

*2025-04-10*

This is a very well done simple app. I use it when I borrow from my savings to pay off credit cards or taxes. Splitting the amount in to 90 day envelopes makes getting the money back In to savings feel more organized.

### 2/5 — New update is bad

*2025-01-15*

Having to hold down the amount to get it to register is dumb

**Developer response:** I’ve just added the option to “Open on Tap” in the last update. Hope that helps!

P.S. If you could update your review, that would be great. Those review really help me to develop the app :)

### 5/5 — Not bad app to save

*2024-12-20*

Not bad

### 3/5 — Cost

*2024-08-23*

I really like this app and would actually purchase it if the cost was not so much. The one time charge of $20 is excessive specifically because the design is very minimal and the current features don’t warrant the price tag. There are fully dynamic gaming apps that should cost that price and are much less.

### 5/5 — Love the simplicity!

*2024-08-18*

I’ve been using this app for about 3 months and I love it. I was looking for something super simple that will help keep me motivated and I appreciate that this DOESN’T link to my bank account like so many budgeting apps. Having to participate and take action, rather than have an app that does everything for me, has been a helpful aspect. 

I’m also using it for a “30 day minimalism challenge” to purge some stuff from my apartment. I can see so many uses for this simple format.

### 1/5 — Not very customizable

*2024-04-21*

Please allow to skip and fill other envelopes before completing smaller amounts. Should be fully customizable.

**Developer response:** Hello!
You can fill other envelopes by shuffling them. But the idea of the challenge is that you always get a random money amount to save.

If you want to fill smaller amount before bigger ones, you need to create challenge with “increasing” diatribution

## Frequently asked questions about Saving Money Challenge

### What is the Envelope Savings Challenge app?

The Envelope Savings Challenge app is a tool designed to help users achieve their financial goals through a gamified savings method. It offers a pre-set 100-envelope challenge to save $5,050 or allows users to create personalized savings plans.

### How does the 100-envelope challenge work?

The 100-envelope challenge involves 100 envelopes, each containing a surprise amount between $1 and $100. Users open one envelope daily and save the indicated amount. Completing all 100 envelopes results in a total saving of $5,050.

### Can I create my own savings goals?

Yes, the app allows you to create custom savings goals. You can set your desired savings sum and determine the number of envelopes that best suit your personal financial objectives.

### Is the app free to use?

The application is free to download and use, but it offers in-app purchases. These purchases likely relate to unlocking additional features or customization options beyond the basic functionality.

### What are the benefits of using this app for saving money?

This app makes saving money more engaging and structured. The challenge format can provide motivation, and the ability to track progress helps users stay committed to their financial goals.

## Version history (last 5 releases)

### 2.1.5 — 2026-08-12

Bug fixes and UI improvements

### 2.1.4 — 2026-05-21

Bug fixes and UI updates

### 2.1.3 — 2026-04-22

Bug fixes and performance improvements

### 2.1.2 — 2026-03-18

UI updates and performance improvements

### 2.1.1 — 2026-03-03

Bug fixes and minor UI updates

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## More apps by Mihail Kuznecovs

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All apps by Mihail Kuznecovs: https://appshunter.io/developer/1467148695

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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 2026-08-23.*