NYC DCP vs Smart Envelope AI

Your financial life, connected and personalized Experience a simpler way to manage your money anytime, anywhere. With the NYC DCP app,  you get a comprehensive, secure, and personalized financial experience designed to help you stay on track for your future. All-in-one access View and manage your retirement, health savings, and investment accounts in one place—alongside external accounts like checking, savings, and credit cards—for a complete picture of your financial life. Interactive tools & resources Model retirement income* with myOrangeMoney®, access video education, live chat support, and investment advice all designed to help you take confident action. Secure and private Your data is protected with enhanced encryption, multi-factor authentication, biometric voice ID, and our SAFE guarantee. We never sell your personal information—ever. Streamlined experience Clean design and intuitive navigation make it easy to check balances, update contributions and beneficiaries, and manage your investments all while on the go. Plus, the entire app is also available in Spanish. Wherever life takes you, the NYC DCP app, goes with you. Log in today to experience your upgraded financial journey — personalized, secure, and built to help you retire with confidence. * IMPORTANT : The illustrations or other information generated by the calculators are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. This information does not serve, either directly or indirectly, as legal, financial or tax advice and you should always consult a qualified professional legal, financial and/or tax advisor when making decisions related to your individual tax situation. Products and services offered through the Voya® family of companies.

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.