Best 100 Envelope Savings Challenge Apps

202+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated June 2026

100 Envelope Savings Challenge is the household name in 100 envelope savings challenge, but it's far from the only option. We track 202+ alternatives and competitors on iOS โ€” many free, many higher-rated than you'd expect.

Top Picks for 100 Envelope Savings Challenge

100 Envelope Savings Challenge#1

100 Envelope Savings Challenge by Seulki Eom

Savings challenge tracker app
Editor's Choice
๐Ÿ’ฐ Finance
3.5(2 ratings)
FreeAds
100 Envelope Savings Challenge screenshot 1
100 Envelope Savings Challenge screenshot 2
100 Envelope Savings Challenge screenshot 3
100 Envelope Savings Challenge screenshot 4
100 Envelope Savings Challenge screenshot 5

This app gamifies saving money by turning it into a fun daily habit. It helps users stay motivated to reach their financial goals through a visual tracker and engaging challenges. The app offers various saving modes and works completely offline.

Money Challenges#2

Money Challenges by Dmitry Buravtsov

Save money quick and easy
Strong Contender
๐ŸŒŸ Lifestyle
5.0(5 ratings)
Free
Money Challenges screenshot 1
Money Challenges screenshot 2
Money Challenges screenshot 3

This app offers a unique savings method with 100 buttons, each representing a monetary amount to set aside. Users can choose intervals to mark buttons and accumulate a total of 5050 in their chosen currency. Customization options allow for adjusting button amounts to reach higher savings goals.

Saving Money Challenge#3

Saving Money Challenge by Mihail Kuznecovs

Track goals. Save money daily
Worth Considering
๐Ÿ’ฐ Finance
4.7๐Ÿ˜(416 ratings)
FreeIn-App Purchases
Saving Money Challenge screenshot 1
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Saving Money Challenge screenshot 4

This app helps you achieve savings goals through a fun envelope challenge. You can either follow a pre-set 100-envelope challenge to save $5,050 or create your own custom savings plan with a set amount and number of envelopes.

What We Love

  • ๐Ÿ‘ Simple and well-done app
  • ๐Ÿ’ก Unique individual envelopes
  • ๐Ÿ‘ Keeps users motivated
  • ๐Ÿ‘ App doesn't link to bank accounts

Room to Improve

  • ๐Ÿ› Glitches frequently
  • ๐Ÿค” Unclear how money is sourced
  • ๐Ÿค” Unclear how to withdraw funds

More 100 Envelope Savings Challenge apps to explore

4
Savings Challenge: Savvy Goals
Savings Challenge: Savvy Goals
Savings Challenge: Savvy Goals
Money Goal Tracker
Free

This app helps you achieve your financial goals through interactive and customizable savings challenges. Track your progress visually, enjoy rewarding animations, and manage multiple savings plans simultaneously. It's designed to make saving money engaging and tailored to your personal style.

Flexible savings challenges (52 Week, 100 Envelopes, Custom)Visual progress tracking with animationsMultiple goal management
๐Ÿ’ฐ Finance
(83)
free with in-app purchases
5
52 Week Challenge - Mobills
52 Week Challenge - Mobills
52 Week Challenge - Mobills
Save Money - Personal Finance
Free

This app helps you save money by guiding you through a 52-week savings challenge. It manages your weekly deposit amounts and provides reminders to help you reach your savings goals.

Create custom savings challengesTrack weekly depositsReceive deposit reminders
๐Ÿ’ฐ Finance
(2.8K)
free with in-app purchases
6
Loot - Savings Goal & Tracker
Loot - Savings Goal & Tracker
Loot - Savings Goal & Tracker
Save with a 3D money box
Free

This app helps you visualize and manage your savings goals with a personalized 3D money jar. It creates a savings plan, tracks your progress, and sends reminders to keep you motivated. Personalize your jar and enjoy a dark mode option for a rewarding saving experience.

Personalized 3D money jar visualizationAutomated savings plan creationProgress tracking and payment management
๐Ÿ’ฐ Finance
(7.5K)
free with in-app purchases
7
Qapital: The Money Saving App
Qapital: The Money Saving App
Qapital: The Money Saving App
Save. Invest. Budget.
Free

Automate your savings, investments, and budgeting with intelligent rules based on your habits. Set unlimited financial goals, track progress, and even team up with a partner on shared objectives. Spend smarter with a dedicated debit card and real-time budget notifications.

Automated savings goalsSmart budgeting rulesInvest in ETFs
๐Ÿ’ฐ Finance
(86K)
subscription
8
52 Week Challenge
52 Week Challenge
52 Week Challenge
The easy way to save money
Free

This app helps you achieve financial goals through a structured savings plan. It offers a gradual progression system, allowing you to save a significant amount over a year with customizable weekly contributions and smart tracking tools.

52 Weeks or Monthly ChallengeCustomizable Financial GoalsSmart Financial Tracking
๐Ÿ’ฐ Finance
(71)
free with in-app purchases
9
Envelope: Budgeting & Banking
Envelope: Budgeting & Banking
Envelope: Budgeting & Banking
Your ultimate money manager
Free

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.

Digital envelope budgeting systemHigh-yield savings accountEarly paycheck access
๐Ÿ’ฐ Finance
(338)
free
10
52 Week Money Saving Challenge
52 Week Money Saving Challenge
52 Week Money Saving Challenge
A Fun Way to Save Money
Free

This application helps users build a savings habit through various challenges and goal-setting features. It offers multiple saving methods, progress visualization, and reminders to keep users on track. The app is designed to be user-friendly and accessible, even offline.

Multiple saving challenge modesCustomizable savings goalsProgress visualization with graphs
๐Ÿ’ฐ Finance
(2.3K)
free with in-app purchases
11
SaverLife: Accelerate Savings
SaverLife: Accelerate Savings
SaverLife: Accelerate Savings
Learn Tips, Win Cash, Save $$
Free

This app helps users accelerate their savings through unique challenges that offer cash rewards and points. Earn points for progress, redeem them for chances to win more money, and access money-saving tips and articles. Build a habit to achieve your financial goals.

Savings challenges with cash rewardsEarn points for saving progressRedeem points for scratchers to win cash
๐Ÿ’ฐ Finance
(84)
free with in-app purchases
12
Oportun: Savings & Loans
Oportun: Savings & Loans
Oportun: Savings & Loans
Build savings, track your loan
Free

This finance app helps you reach savings goals by automatically setting aside money based on your income and spending. It also allows existing loan members to easily manage their accounts and payments within the app.

Automated savings towards goalsPersonalized savings based on spendingPause or transfer savings anytime
๐Ÿ’ฐ Finance
(289K)
subscription
13
Thrift Savings Plan
Thrift Savings Plan
Thrift Savings Plan
Official app of the TSP
Free

Manage your Thrift Savings Plan (TSP) account directly from your mobile device. Review your account summary, track investment performance, and make changes to your investment mix. The app also facilitates secure document submission and mobile check deposits for rollovers.

Access TSP account summaryCheck investment performanceChange investment mix
๐Ÿ’ผ Business
(105K)
free
14
Guac - Save While You Spend
Guac - Save While You Spend
Guac - Save While You Spend
Guac
Free

This app automatically saves money by linking to your bank account and setting personalized savings goals. It offers ways to accelerate savings through a marketplace and side hustles, allowing seamless fund transfers when goals are met.

Sync bank account for automatic savingCreate personalized savings goalsSet custom savings rules
๐Ÿ’ฐ Finance
(2.1K)
free with in-app purchases
15
52 Weeks Money Challenge
52 Weeks Money Challenge
52 Weeks Money Challenge
Save $1400 in 52 weeks !
Free

This app guides you through a structured savings plan to accumulate over $1,300 in a year. It begins with small weekly contributions that gradually increase, helping you build savings for emergencies or specific goals.

Structured 52-week savings planGradually increasing weekly savings amountsHelps build emergency funds
๐Ÿ’ฐ Finance
(3)
free
16
Backer: Smart 529 Savings
Backer: Smart 529 Savings
Backer: Smart 529 Savings
Simple, fast, fun way to 529
Free

Easily open a 529 college savings plan for your child. Invite family and friends to contribute to your child's education fund and watch savings grow tax-free. Get a recommended plan in minutes.

Open 529 plan quicklyInvite family and friends to contributeAutomated recurring contributions
๐Ÿ’ฐ Finance
(495)
free
17
Qube Money: Envelope Budgeting
Qube Money: Envelope Budgeting
Qube Money: Envelope Budgeting
Envelope Banking & Budgeting
Free

This app combines digital banking with a cash envelope budgeting system. It automatically divides your funds into separate digital accounts, allowing you to spend with purpose and track transactions in real-time. Enjoy enhanced security with a unique card authorization system.

Digital envelope budgetingAutomated money splittingReal-time transaction tracking
๐Ÿ’ฐ Finance
(1.6K)
free
18
Checkout 51: Cash Back Savings
Checkout 51: Cash Back Savings
Checkout 51: Cash Back Savings
Gas & Grocery Rewards
Free

This app offers cash back on groceries, gas, and prescriptions by simply uploading photos of your receipts. Discover new deals weekly on everyday items and popular brands, and earn rewards at participating gas stations. It's an easy way to save money on your regular purchases.

Cash back on groceriesGas rewards and savingsPrescription savings card
๐Ÿ›๏ธ Shopping
(6.5K)
free with in-app purchases
19
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
๐Ÿ’ฐ Finance
(1.7K)
free with in-app purchases
20
PiggyVest: Save & Invest Today
PiggyVest: Save & Invest Today
PiggyVest: Save & Invest Today
Save, Invest & Manage Money
Free

This platform offers a comprehensive suite of tools for saving, investing, and managing your finances. It provides various savings options, from automated plans to goal-oriented saving, and allows secure investment in diverse assets with competitive returns. The service prioritizes security and transparency, with a proven track record and regulatory compliance.

Automated daily, weekly, or monthly savingsGoal-based and group savingsFixed-term savings with upfront interest
๐Ÿ’ฐ Finance
(6.9K)
free