Best Envelope Money Apps

249+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated August 2026

If you already know Envelope, this is the deeper bench. 249+ envelope money apps for iPhone, all reviewed and ranked by user rating, recency, and download trend as of August 2026.

Compare top Envelope Money Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Envelope: Budgeting & BankingEnvelope: Budgeting & BankingFree4.7★ (384)NoNoAug 2026
2Envy: Envelope Budget PlannerEnvy: Envelope Budget PlannerFree4.8★ (794)NoYesAug 2026
3Qube Money: Envelope BudgetingQube Money: Envelope BudgetingFree4.6★ (1.6K)NoNoAug 2026
4Saving Money ChallengeSaving Money ChallengeFree4.8★ (438)NoYesAug 2026
5Money Challenges: Save, BudgetMoney Challenges: Save, BudgetFree5.0★ (5)NoNoAug 2026
6Goodbudget Budget PlannerGoodbudget Budget PlannerFree4.6★ (13K)NoYesAug 2026
7Pure Gen 2 eScooter (Air)Pure Gen 2 eScooter (Air)FreeNoNoMay 2026
8Expense Keep: Envelope BudgetExpense Keep: Envelope BudgetFree4.4★ (1.7K)NoYesAug 2026

Top Picks for Envelope Money

Envelope: Budgeting & Banking#1

Envelope: Budgeting & Banking by Envelope Money, Inc.

Your ultimate money manager
Editor's Choice
💰 Finance
4.7😊(384 ratings)
Free
Envelope: Budgeting & Banking screenshot 1
Envelope: Budgeting & Banking screenshot 2
Envelope: Budgeting & Banking screenshot 3
Envelope: Budgeting & Banking screenshot 4
Envelope: Budgeting & Banking screenshot 5

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.

What We Love

  • 💰 Excellent envelope budgeting system
  • 🎨 Beautiful and intuitive user interface
  • 🏦 Integrated banking with budgeting features
  • 👥 Responsive and transparent development team

Room to Improve

  • 🚫 Signup process can be broken or confusing
  • ⏳ Account verification delays (2+ business days)
  • 📞 Support communication can be slow
Envy: Envelope Budget Planner#2

Envy: Envelope Budget Planner by Chimpanzee, LLC

Money Cash Expense Tracker
Strong Contender
💰 Finance
4.8😊(794 ratings)
FreeIn-App Purchases
Envy: Envelope Budget Planner screenshot 1
Envy: Envelope Budget Planner screenshot 2
Envy: Envelope Budget Planner screenshot 3
Envy: Envelope Budget Planner screenshot 4
Envy: Envelope Budget Planner screenshot 5
Envy: Envelope Budget Planner screenshot 6

Digitize your cash envelope budgeting system with this simple expense tracker. Organize your spending into unlimited digital envelopes, easily move transactions, and track your budget without linking bank accounts. Export your data and manage your money effectively.

What We Love

  • 👍 Simple and easy to use
  • 🚀 Straightforward envelope budgeting
  • 🔒 No bank account required
  • 💰 Affordable one-time purchase

Room to Improve

  • 🔍 Limited envelope customization (renaming, reordering, deleting)
  • 🔢 Inability to track cents/pennies
  • 🔗 No multi-device sync or sharing
Qube Money: Envelope Budgeting#3

Qube Money: Envelope Budgeting by Qube Money LLC

Envelope Banking & Budgeting
Worth Considering
💰 Finance
4.6😊(1.6K ratings)
Free
Qube Money: Envelope Budgeting screenshot 1
Qube Money: Envelope Budgeting screenshot 2
Qube Money: Envelope Budgeting screenshot 3
Qube Money: Envelope Budgeting screenshot 4
Qube Money: Envelope Budgeting screenshot 5
Qube Money: Envelope Budgeting screenshot 6

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.

What We Love

  • 🚀 Streamlined budgeting
  • 🔒 Fraud protection
  • 👍 Intuitive envelope system
  • 💡 Digital cash envelope alternative

Room to Improve

  • 🐛 Slow money transfers
  • 🔒 Difficulty accessing funds
  • 🐛 Buggy app performance

More Envelope Money apps to explore

4
Saving Money Challenge
Saving Money Challenge
Saving Money Challenge
Daily Envelope Tracker
Free

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.

Envelope savings challenge trackerCustomizable savings goalsDaily money saving
💰 Finance
(438)
free with in-app purchases
5
Money Challenges: Save, Budget
Money Challenges: Save, Budget
Money Challenges: Save, Budget
Weekly goals, no impulse buys
Free

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.

100 savings buttonsCustomizable intervalsCurrency selection
🌟 Lifestyle
(5)
free
6
Goodbudget Budget Planner
Goodbudget Budget Planner
Goodbudget Budget Planner
Money & Expense Tracker
Free

This app helps you manage your finances and plan your spending using a virtual envelope system. Track expenses, monitor debt, and gain insights with helpful reports. Share your budget with family or friends across multiple devices.

Virtual envelope budgetingShared budgetsExpense tracking
💰 Finance
(13K)
freemium
7
Pure Gen 2 eScooter (Air)
Pure Gen 2 eScooter (Air)
Pure Gen 2 eScooter (Air)
Pure Gen 2 Scooter ( Gen2 )
Free
🌟 Lifestyle
(0)
8
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
💰 Finance
(1.7K)
free with in-app purchases
9
RealBudget: Envelope Budgeting
RealBudget: Envelope Budgeting
RealBudget: Envelope Budgeting
See exactly what you can spend
Free

Manage your money effectively with a digital envelope budgeting system. This app allows you to create custom envelopes, track expenses, and gain full control over your finances. It offers features like bank syncing and budget sharing to simplify your financial management.

Digital envelope budgetingCustom budget periodsBudget sharing
💰 Finance
(136)
free with in-app purchases
10
MoneyGram® Money Transfers App
MoneyGram® Money Transfers App
MoneyGram® Money Transfers App
Send Money Transfers Online
Free

Send money internationally quickly and securely. Your recipients can receive funds via bank account, debit card, mobile wallet, or cash pickup. Transfers are available in over 200 countries and territories, with clear upfront costs and real-time exchange rates.

Fast transfers (minutes)Flexible delivery optionsGlobal reach (200+ countries)
💰 Finance
(679K)
free with in-app purchases
11
QNB Faktoring
QNB Faktoring
QNB Faktoring
by QNB FAKTORING ANONIM SIRKETI
Free
💰 Finance
(0)
12
Ria Money Transfer
Ria Money Transfer
Ria Money Transfer
International Remittance App
Free

Easily send money internationally to friends and family worldwide. This app offers secure and fast transfers to over 190 countries with multiple delivery options. Track your transfers and check exchange rates conveniently.

International money transfersSend to 190+ countriesCash pickup locations
💰 Finance
(285K)
free with in-app purchases
13
Sendwave Send & Transfer Money
Sendwave Send & Transfer Money
Sendwave Send & Transfer Money
Remittance & digital wallet
Free

Easily send money internationally to Africa, Asia, and the Middle East. This secure app offers fast, affordable transfers with transparent fees and real-time tracking. Manage mobile payments and support loved ones globally from your phone.

Fast international money transfersSecure mobile paymentsTransparent fees and exchange rates
💰 Finance
(85K)
free with in-app purchases
14
Placid Money Transfer
Placid Money Transfer
Placid Money Transfer
Send money with Placid Express
Free

Easily send money internationally with competitive exchange rates and low fees. Offers special introductory rates for first-time users on transfers to select countries. Supports bank account deposits and cash pickups in various popular destinations.

International money transfersSpecial first-time transfer ratesBank account deposits
💰 Finance
(3.9K)
free with in-app purchases
15
Pocket Crochet
Pocket Crochet
Pocket Crochet
by Rick Fleuren
Free

Manage all your crochet projects on the go with this app. Track project details, add patterns, yarn information, and reference photos. Features multiple row counters and an archive function for completed works.

Multiple row counters per projectImport pattern PDFs or imagesPattern view memory
🌟 Lifestyle
(596)
free with in-app purchases
16
Taptap Send: Money Transfer
Taptap Send: Money Transfer
Taptap Send: Money Transfer
Send Money Abroad Fast & Easy
Free

Easily send money internationally to friends and family abroad. This app offers fast, safe, and affordable transfers with competitive exchange rates and multiple payout options like mobile wallets, bank transfers, and cash pickup.

Fast money transfersLow-cost transfersGreat exchange rates
💰 Finance
(90K)
free with in-app purchases
17
Remitly: Send Money & Transfer
Remitly: Send Money & Transfer
Remitly: Send Money & Transfer
Fast international payments
Free

Send money internationally with a secure and reliable service. Supports over 170 countries and 100 currencies, with various delivery options including bank accounts, mobile wallets, and cash pickup. Offers business services for international payroll and payments.

International money transfersSupport for 170+ countriesMultiple delivery options
💰 Finance
(2.7M)
free with in-app purchases
18
Xoom: Send Money & Transfer
Xoom: Send Money & Transfer
Xoom: Send Money & Transfer
Send money to 150+ countries
Free

Send money internationally quickly and securely. Track transfers in real-time, with transparent rates and no fees for recipients. Supports bank deposits, cash pickup, and mobile wallet transfers.

24/7 transaction protectionTransparent rates, no recipient feesPayPal wallet integration
💰 Finance
(1.2M)
free with in-app purchases
19
Budget Envelope
Budget Envelope
Budget Envelope
Envelope-style budgeting
Free
💰 Finance
(0)
20
Budget Envelope Planner: Pla
Budget Envelope Planner: Pla
Budget Envelope Planner: Pla
Zero-Based Cash Budgeting
Free
💰 Finance
(0)

FAQ about Envelope Money

What are the best envelope money apps for iPhone?
Envelope: Budgeting & Banking tops our envelope money apps ranking as of August 2026, with a 4.7-star average from 384 App Store ratings, and it's free to download.
Yes — 20 of the top envelope money apps we rank are free to download, including Envelope: Budgeting & Banking and Envy: Envelope Budget Planner.
Envelope: Budgeting & Banking has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 249+ envelope money apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
The Envelope app digitizes the traditional envelope budgeting system to help users gain control over their finances. It allows you to track every dollar, save more effectively, and manage your money through features like budget calculators, finance management, and net worth tracking.
Key features include a powerful digital envelope budgeting system for organizing spending and savings, a Protected Envelope with high-yield interest for faster savings growth, early paycheck access to receive funds up to two days sooner, and an all-in-one finance manager for tracking transactions and spending.

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