# Smart Envelope AI — AI Receipt & Voice Budget App

> AI-powered envelope budgeting app for tracking expenses and managing money. (iPhone/iPad app by Edge LLC.)

- Source: https://appshunter.io/ios/app/smart-envelope-ai/id6761776577 (this page in markdown: same URL + `.md`)
- Developer: [Edge LLC](https://appshunter.io/developer/1875726056)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 2 App Store ratings · 1 written reviews indexed
- Age rating: 17+
- Requires: iOS 17.6 · 3 MB
- Languages: American English
- Released: 2026-07-22
- Data updated: 2026-10-31
- Monetization: subscription
- User reviews in markdown: https://appshunter.io/ios/app/smart-envelope-ai/id6761776577/reviews.md

## What is Smart Envelope AI?

Tell your money where to go.

Smart Envelope is the budgeting app built on a simple idea: every dollar belongs somewhere. Create an envelope for each spending category — Groceries, Gas, Rent, Coffee — set a limit, and watch where your spending goes.

Built for the phone in your pocket.

Three ways to log an expense:

Snap a receipt. The AI reads the amount, the merchant, and the date, then drops it in the right envelope. You confirm with a tap.

Speak it. "Thirty dollars gas, Costco." Done. Hands-free.

Type it. When you're in a noisy place or you're working from memory, manual entry takes seconds.

True envelope budgeting — not just category tracking.

Most apps show you where your money went after the fact. Smart Envelope tells you what's left before you spend. You create each envelope and you set the limit. Each receipt is recorded and deducted. When it's getting low, you see it. When it's gone, you decide what to do — move money from another envelope, or hold off until next month. Adjusting your budget is easy. Your call.

Built for your privacy, by design.

Some budgeting apps have faced breaches, putting data at risk. Smart Envelope protects you by never needing bank access. Your budget stays on your phone.

Smart Envelope is built differently:

- No bank login because we never ask for one
- Your transactions, balances, and budgets live on your phone
- The AI reads each receipt only to categorize it and never stores what it sees
- Receipt photos clear automatically when you start a new month, saving space. If you enable iCloud Photos backup in Settings, photos sync only to your own iCloud account
No bank sync to break. Log a purchase in a snap by photo, voice, or typing, and see what's left in each envelope before you spend.

Just a budgeting app that respects the fact that your money is your business.

New to budgeting?

Snap receipts for a month and let Smart Envelope show you what you actually spent. Then build your envelopes from real numbers, not guesses. The app teaches budgeting through doing.

Pricing

- 14 days free trial
- Then $4.99/month or $59.88/year
- Cancel anytime

Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in Settings > [Your Name] > Subscriptions on your iPhone. Payment is charged to your Apple Account.

Features

- AI receipt scanning with automatic categorization
- Voice entry
- Manual entry
- Unlimited envelopes
- Full envelope budgeting

That's $59.88 a year — or $4.99 a month. We never ask for your bank password to use Smart Envelope.

Designed for iPhone. Available in USD and Mexican Peso.

Tell your money where to go.

Smart Envelope.

## Key features

- AI receipt scanning
- Voice expense entry
- Manual expense entry
- Unlimited spending envelopes
- Real-time budget monitoring
- Privacy-focused design

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| AI Tier Monthly | $4.99 | per month |


## Is Smart Envelope AI safe?

Not enough ratings yet to assess Smart Envelope AI.

## Is Smart Envelope AI legit?

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

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/smart-envelope-ai/id6761776577/reviews.md

### 5/5 — Works great!!

*2026-07-30*

App works as intended. Very simplified way to help manage day to day finances

## Frequently asked questions about Smart Envelope AI

### Does Smart Envelope AI have ads?

No, Smart Envelope AI is ad-free. The app focuses on providing a clean user experience without advertisements interrupting your financial management.

### What is the pricing for Smart Envelope AI?

Smart Envelope AI offers a 14-day free trial, after which it costs $4.99 per month or $59.88 per year. You can manage or cancel your subscription at any time.

### How does Smart Envelope AI protect my privacy?

Smart Envelope AI is designed for privacy. It does not require bank logins, keeps your data on your phone, and the AI only processes receipts for categorization without storing them. Receipt photos are cleared automatically at the start of a new month.

### What devices is Smart Envelope AI available on?

Smart Envelope AI is designed for iPhone and is available in USD and Mexican Peso. It is compatible with iOS devices.

### How often is Smart Envelope AI updated?

The latest version, 1.0.3, was released on August 11, 2026. Updates are released regularly to improve functionality and user experience.

### Can I use Smart Envelope AI without connecting my bank account?

Yes, a key feature of Smart Envelope AI is that it does not require you to link your bank account. All transactions and budgets are managed directly within the app on your phone for enhanced privacy.

### What is the age rating for Smart Envelope AI?

Smart Envelope AI has an age rating of 17+. This is typical for finance applications that may involve complex financial concepts or require a certain level of maturity.

### How does the AI receipt scanning work in Smart Envelope AI?

The AI scans your receipts to automatically read the amount, merchant, and date. It then categorizes the expense and places it into the appropriate spending envelope, requiring only a tap to confirm.

## Version history (last 3 releases)

### 1.0.4 — 2026-10-23

Improved app description and screenshots, plus small refinements for a smoother experience.

### 1.0.3 — 2026-08-11

Improved app store screenshots and refreshed privacy language

### 1.0.2 — 2026-07-22

No release notes.

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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 2026-10-31.*