Best Envelope Savings Challenge Apps

250+ iOS apps curated and reviewed

4.2 avg rating
20 free apps
Updated August 2026

From beginner-friendly picks to power-user tools, our envelope savings challenge list covers 250+ iPhone apps updated through August 2026. Compare ratings, prices, and screenshots in one place.

Compare top Envelope Savings Challenge Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Savings Challenge: Savvy GoalsSavings Challenge: Savvy GoalsFree4.7★ (101)NoYesAug 2026
2Saving Money ChallengeSaving Money ChallengeFree4.8★ (438)NoYesAug 2026
3100 Envelope Savings Challenge100 Envelope Savings ChallengeFree3.5★ (2)YesNoAug 2026
452 Weeks Money Challenge52 Weeks Money ChallengeFree2.0★ (3)NoNoMay 2026
552 Week Challenge52 Week ChallengeFree4.8★ (71)YesNoAug 2026
6Oportun: Savings & LoansOportun: Savings & LoansFree4.7★ (289K)NoNoAug 2026
7100 Envelope Challenge100 Envelope ChallengeFree5.0★ (2)YesYesAug 2026
8Stash: Savings ChallengeStash: Savings ChallengeFreeNoYesAug 2026

Top Picks for Envelope Savings Challenge

Savings Challenge: Savvy Goals#1

Savings Challenge: Savvy Goals by East Frisia LLC

Money Goal Tracker
Editor's Choice
💰 Finance
4.7(101 ratings)
FreeIn-App Purchases
Savings Challenge: Savvy Goals screenshot 1
Savings Challenge: Savvy Goals screenshot 2
Savings Challenge: Savvy Goals screenshot 3
Savings Challenge: Savvy Goals screenshot 4

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.

Saving Money Challenge#2

Saving Money Challenge by Mihail Kuznecovs

Daily Envelope Tracker
Strong Contender
💰 Finance
4.8😐(438 ratings)
FreeIn-App Purchases
Saving Money Challenge screenshot 1
Saving Money Challenge screenshot 2
Saving Money Challenge screenshot 3
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

  • 👍 Simple and well-done app
  • 💡 Unique individual envelopes
  • 👍 Keeps users motivated
  • 👍 App doesn't link to bank accounts

Room to Improve

  • 🐛 Glitches frequently
  • 🤔 Unclear how money is sourced
  • 🤔 Unclear how to withdraw funds
100 Envelope Savings Challenge#3

100 Envelope Savings Challenge by Seulki Eom

Savings challenge tracker app
Worth Considering
💰 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.

More Envelope Savings Challenge apps to explore

4
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
💰 Finance
(3)
free
5
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
💰 Finance
(71)
free with in-app purchases
6
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
💰 Finance
(289K)
subscription
7
100 Envelope Challenge
100 Envelope Challenge
100 Envelope Challenge
Let's Save $5,050 in 100 Days
Free

This app gamifies saving money by letting you track progress on various savings challenges, like the 100 Envelope Challenge. It offers visual feedback and customizable options to keep you motivated. Unlock all features with a one-time purchase.

Gamified savings progress visualizationCustomizable challenge rulesMultiple savings challenge types
💰 Finance
(2)
free with in-app purchases
8
Stash: Savings Challenge
Stash: Savings Challenge
Stash: Savings Challenge
100 envelopes & cash stuffing
Free
💰 Finance
(0)
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
💰 Finance
(384)
free
10
Save Challenge: Money Saver
Save Challenge: Money Saver
Save Challenge: Money Saver
Watch your savings grow daily
Free
🔧 Utilities
(0)
11
Budget Envelope
Budget Envelope
Budget Envelope
Envelope-style budgeting
Free
💰 Finance
(0)
12
SaveTogether: Savings Tracker
SaveTogether: Savings Tracker
SaveTogether: Savings Tracker
Track Goals & Save Together
Free

Build a savings habit with this tracker that lets you set goals and monitor progress without connecting to your bank. Save for anything, track your streak, and even invite a partner to save with you.

Goal setting for any itemProgress and streak trackingPartner savings
💰 Finance
(2)
freemium
13
Savings - Money Tracker
Savings - Money Tracker
Savings - Money Tracker
Money Manager Expense & Income
Free

This finance app focuses on tracking your savings rather than your spending. It helps users automate wealth building by setting savings percentages for various income sources and provides detailed analytics and projections.

Automatic recurring savings trackingDetailed analytics dashboardInteractive savings charts and insights
💰 Finance
(1)
free with in-app purchases
14
52 Weeks Challenge
52 Weeks Challenge
52 Weeks Challenge
by Rodrigo Santos
Free
💰 Finance
(0)
15
CoinJar
CoinJar
CoinJar
by Nam Ngoc Duong
Free
🔧 Utilities
(0)
16
Stashly: Savings Goals
Stashly: Savings Goals
Stashly: Savings Goals
by Ferran Espuna
Free
💰 Finance
(0)
17
HiveCents: Savings Tracker
HiveCents: Savings Tracker
HiveCents: Savings Tracker
Reach Your Savings Goals
Free
$2.99 | 100% OFF
💰 Finance
(0)
18
Chrumek: Savings Tracker
Chrumek: Savings Tracker
Chrumek: Savings Tracker
Your piggy bank. Save
Free
💰 Finance
(0)
19
Ajo - Group Savings
Ajo - Group Savings
Ajo - Group Savings
Save together, grow together
Free
💰 Finance
(0)
20
One Day - Your savings app
One Day - Your savings app
One Day - Your savings app
For your big important goals
Free
🌟 Lifestyle
(0)

FAQ about Envelope Savings Challenge

What are the best envelope savings challenge apps for iPhone?
Savings Challenge: Savvy Goals tops our envelope savings challenge apps ranking as of August 2026, with a 4.7-star average from 101 App Store ratings, and it's free to download.
Yes — 20 of the top envelope savings challenge apps we rank are free to download, including Savings Challenge: Savvy Goals and Saving Money Challenge.
Savings Challenge: Savvy Goals has no ads and offers in-app purchases, according to its App Store listing as of August 2026.
We track 250+ envelope savings challenge apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
Savvy Goals offers a 52 Week Challenge for incremental savings, a 100 Envelopes Challenge with randomized amounts, and the ability to create custom challenges with your own target amounts and timelines.
The app features visual progress tracking where colorful cards fill up as you save. It also provides satisfying animations like 'Pulse & Pop' effects and haptic feedback for each savings milestone.

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