Money Envelope vs Budget Envelope

Take control of your finances with the envelope budgeting method — now with automatic Apple Pay tracking. Money Envelope is a beautifully simple budgeting app that puts every dollar in its place. Screenshot your Apple Pay payments, and the app reads them automatically using on-device OCR. No manual entry, no hassle, no subscription fees. Ever. ▸ AUTOMATIC TRANSACTION TRACKING • Scan Apple Pay payment screenshots — merchant names and amounts are read instantly • Set up Tap to Pay automation via iOS Shortcuts for hands-free tracking • Pending transactions queue lets you review and categorize in batches • Smart merchant memory — the app learns your categories and auto-assigns future transactions ▸ SMART ENVELOPE BUDGETING • Create custom envelopes for every spending category • Set monthly budgets and distribute your income across envelopes • Budget rollover — unused money carries over to next month automatically • Recurring transactions for subscriptions, rent, and regular expenses • Ready-made templates to get started in seconds ▸ ANALYTICS & EXPORT • Visual spending trends with daily and cumulative charts • Envelope breakdown showing where your money goes • Daily spending average, percentage spent, and remaining balance at a glance • Export your data as CSV or JSON — your data, your way • Flexible time periods: current month, last 3/6 months, year-to-date, or custom range ▸ MULTI-CURRENCY SUPPORT • 25+ currencies with automatic conversion • Set your base currency and log transactions in any currency • Real-time exchange rates keep your budget accurate across borders ▸ PRIVACY FIRST • All data stored on your device and in your personal iCloud — nowhere else • On-device OCR — your screenshots never leave your phone • No third-party servers, no data selling, no tracking • Analytics are 100% opt-in — you choose what to share • No account required — just download and start budgeting ▸ DESIGNED FOR SIMPLICITY • Clean, intuitive interface that gets out of your way • Add transactions in seconds with quick-entry flow • Search and filter transactions by category, date, or keyword • Custom icons and colors for every envelope • Dark mode support • Full onboarding to get you started fast Money Envelope is 100% free with no subscriptions, no in-app purchases, and no hidden costs. If you've been looking for a simpler, more private alternative to YNAB or other budgeting apps — this is it. Download now and take control of your spending.

Take control of your money — one envelope at a time. Envelope Budget brings back the simplicity of the classic cash envelope method, rebuilt for your phone. No spreadsheets. No bank logins. No subscriptions. Just you, your budget, and a few taps. The idea is simple: decide how much you want to spend in each area of your life — groceries, dining out, gas, entertainment — and create an envelope for each one. Every time you spend, subtract it from that envelope. When the envelope is empty, you're done spending in that category for the month. That's it. No complexity. No learning curve. You'll have your first envelope set up in under a minute. Why Envelope Budget? -Most budgeting apps are overwhelming. They want to connect to your bank, sync across devices, send you notifications, and show you charts you'll never look at. Envelope Budget does none of that. It respects your time, your attention, and your privacy. -Everything you enter stays on your device. Always. There are no accounts to create, no passwords to remember, and no data ever leaving your phone. Your financial life is your business.