Best Savings Envelope Apps

208+ iOS apps curated and reviewed

4.7 avg rating
19 free apps
Updated May 2026

Envy is the household name in savings envelope, but it's far from the only option. We track 208+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Top Picks for Savings Envelope

Envy: Envelope Budget Planner#1

Envy: Envelope Budget Planner by Chimpanzee, LLC

Money Cash Expense Tracker
Editor's Choice
💰 Finance
4.8😊(760 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

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
Saving Money Challenge#2

Saving Money Challenge by Mihail Kuznecovs

Track goals. Save money daily
Strong Contender
💰 Finance
4.7(416 ratings)
FreeIn-App Purchases
Saving Money Challenge screenshot 1
Saving Money Challenge screenshot 2
Saving Money Challenge screenshot 3
Saving Money Challenge screenshot 4

Track and achieve your savings goals with the Envelope Savings Challenge app! Choose envelopes with surprise amounts ranging from $1 to $100, open one per day, and save your way to $5,050. Customize your own savings challenge and make saving fun! Visit the EULA link for more details.

Savings Challenge: Savvy Goals#3

Savings Challenge: Savvy Goals by East Frisia LLC

Money Goal Tracker
Worth Considering
💰 Finance
5.0(21 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

Transform your savings dreams into reality with this flexible savings app, offering interactive challenges and customizable plans to help you achieve any financial target. Create your own personalized savings plan, track progress, and stay motivated with a fun and rewarding experience.

More Savings Envelope apps to explore

4
Oportun: Finances made simple
Oportun: Finances made simple
Oportun: Finances made simple
Build savings, track your loan
Free

Simplify saving and manage loans in one place with our app that tailored to your financial situation. Start saving effortlessly and meet your money goals smarter!

💰 Finance
(289K)
5
Loot - Savings Goal & Tracker
Loot - Savings Goal & Tracker
Loot - Savings Goal & Tracker
Save with a 3D money box
Free

An app that helps users set savings goals, track progress, and manage expenses. Stay on top of your finances effortlessly.

💰 Finance
(7.5K)
6
Buddy: Money & Budget Planner
Buddy: Money & Budget Planner
Buddy: Money & Budget Planner
Money Manager & Tracker
Free

Manage your finances efficiently with our intuitive budget planner app. Track expenses, set savings goals, and stay on top of your financial health easily. Take control of your money today!

💰 Finance
(589)
7
Envelope Budget - Kualia
Envelope Budget - Kualia
Envelope Budget - Kualia
Personal Finance Planner
Free

Track and manage your budget effortlessly with our envelope budgeting app. Set target amounts for categories and keep tabs on your available funds throughout the month. Accelerate your budgeting goals today!

💰 Finance
(2)
8
Envelope Budget: Expense Keep
Envelope Budget: Expense Keep
Envelope Budget: Expense Keep
Smart Simpler Budget Tracker
Free

A top-rated personal finance app designed for quick expense tracking and budget management. Easily organize accounts, track expenses, set budgets, and manage incomes with features like custom categories, recurring entries, and insightful financial reports. Try it now to take control of your finances.

💰 Finance
(1.7K)
9
EveryDollar: Budget Management
EveryDollar: Budget Management
EveryDollar: Budget Management
Track Income, Bills & Spending
Free

Track expenses, plan finances, and reach your financial goals with a personal budget app that helps you manage your money easily and guilt-free. Start for free today to create budgets, monitor spending, and see all your financial accounts in one place.

💰 Finance
(84K)
10
Qapital: The Money Saving App
Qapital: The Money Saving App
Qapital: The Money Saving App
Save. Invest. Budget.
Free

Qapital is a personal finance app that helps users save money towards their goals by allowing them to set up customized savings rules and automate their savings. With features like goal setting, automatic savings transfers, and round-up purchases, users can effortlessly work towards their financial objectives. Start saving smarter today!

💰 Finance
(86K)
11
Envelope: Budgeting & Banking
Envelope: Budgeting & Banking
Envelope: Budgeting & Banking
Your ultimate money manager
Free
💰 Finance
(338)
12
YNAB
YNAB
YNAB
Never worry about money again
Free

Start changing your money mindset with a set of habits to spend purposefully, save aspirationally, and give generously. Join millions in improving your financial outlook and sign up for a one-month free trial today!

💰 Finance
(60K)
13
Savings Tracker Goal: CashGrid
Savings Tracker Goal: CashGrid
Savings Tracker Goal: CashGrid
Financial Money Manager Budget
Free
💰 Finance
(29)
14
Qube Money: Envelope Budgeting
Qube Money: Envelope Budgeting
Qube Money: Envelope Budgeting
Envelope Banking & Budgeting
Free

Qube Money is an envelope budgeting application that helps users organize and manage their finances using a digital envelope system. Stay in control of your money with Qube Money today!

💰 Finance
(1.6K)
15
Marcus by Goldman Sachs®
Marcus by Goldman Sachs®
Marcus by Goldman Sachs®
Banking & Personal Finance
Free

A convenient and efficient banking app designed to help you manage your finances effortlessly. Experience seamless transactions, easy account monitoring, and personalized financial insights tailored to your needs. Take control of your money today.

💰 Finance
(250K)
16
Thrift Savings Plan
Thrift Savings Plan
Thrift Savings Plan
Official app of the TSP
Free

Manage your Thrift Savings Plan easily with the official TSP app. View account summary, monitor investments, use tools like the TSP virtual assistant, and securely manage your account on-the-go. Download now and stay on top of your finances conveniently.

💼 Business
(105K)
17
Simple Budget Envelopes
Simple Budget Envelopes
Simple Budget Envelopes
Take your budget on the go!
$0.99

Track your budget with ease using this simple app that helps you manage your money by allocating it into customizable envelopes. No sign-in or in-app purchases required – start budgeting on the go effortlessly.

💰 Finance
(112)
18
Bread Savings
Bread Savings
Bread Savings
by Comenity LLC
Free

An app for users of Bread Savings online bank to easily access and manage their high-yield savings accounts and CDs. Features include account monitoring, mobile check deposits, fund transfers, customization options, and direct customer support access. Sign in with online banking credentials to start saving conveniently on the go.

💰 Finance
(4.7K)
19
PiggyVest: Save & Invest Today
PiggyVest: Save & Invest Today
PiggyVest: Save & Invest Today
Save, Invest & Manage Money
Free

A smart financial tool that helps users effortlessly save and invest their money through automated processes and various savings options. Start securing your financial future today with our easy-to-use app.

💰 Finance
(6.3K)
20
100 Envelope Savings Challenge
100 Envelope Savings Challenge
100 Envelope Savings Challenge
Savings challenge tracker app
Free
💰 Finance
(0)