Best Simple Envelope Budgeting Apps

248+ iOS apps curated and reviewed

4.0 avg rating
17 free apps
Updated September 2026

Every iPhone needs a few good simple envelope budgeting apps. We benchmark 248+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Compare top Simple Envelope Budgeting Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Simple Envelope BudgetingSimple Envelope Budgeting$2.993.7★ (11)NoNoSep 2026
2Simple Budget EnvelopesSimple Budget Envelopes$0.994.6★ (115)NoNoSep 2026
3Envy: Envelope Budget PlannerEnvy: Envelope Budget PlannerFree4.8★ (794)NoYesSep 2026
4Budget EnvelopeBudget EnvelopeFree—NoNoSep 2026
5Envelope: Budgeting & BankingEnvelope: Budgeting & BankingFree4.7★ (387)NoNoSep 2026
6Budget Envelope Planner: PlaBudget Envelope Planner: PlaFree—NoYesJul 2026
7Foldz: Envelope Budget AppFoldz: Envelope Budget AppFree—NoYesSep 2026
8Stuf - Simple BudgetStuf - Simple BudgetFree—NoYesJun 2026

Top Picks for Simple Envelope Budgeting

Simple Budget Envelopes#2

Simple Budget Envelopes by Joseph Palmer

Take your budget on the go!
Strong Contender
💰 Finance
4.6😊(115 ratings)
$0.99
Simple Budget Envelopes screenshot 1
Simple Budget Envelopes screenshot 2
Simple Budget Envelopes screenshot 3
Simple Budget Envelopes screenshot 4
Simple Budget Envelopes screenshot 5

Easily track your remaining budget with an unlimited number of digital envelopes. Add or subtract funds as you spend or receive money. This straightforward app requires no sign-in or in-app purchases.

What We Love

  • 👍 Extremely simple and easy to use
  • 💰 No subscription needed, free
  • 🎯 Perfect for envelope budgeting
  • 📱 Digital alternative to cash envelopes
  • ✅ No unnecessary features or clutter
  • 💡 Allows users to create custom envelopes
  • ✨ Clean and straightforward interface
  • 🔒 No need to link bank accounts or sign up
  • 🚀 Quick setup and efficient operation
  • 💯 Highly recommended by users
  • 🌟 Great for beginners in budgeting
  • 💰 Helps track spending and savings effectively

Room to Improve

  • 🤔 Lacks a built-in tutorial
  • 🎨 Limited color options for envelopes
  • 🔄 No automatic monthly reset for envelopes
  • 🗂️ Envelopes are not sortable
  • ⬆️ Item display limit for transactions
  • 📝 No built-in memo or note feature for transactions
  • 🚫 Cannot edit transactions
  • 📱 No multi-device syncing
  • ❌ Some users experienced crashes after updates
  • ⚪ Issues with dark mode display (white on white text)
  • 🚫 Cannot write cents in amounts
  • 🔄 No option to create sub-envelopes
  • 👥 Not shareable with spouse/other users
Envy: Envelope Budget Planner#3

Envy: Envelope Budget Planner by Chimpanzee, LLC

Money Cash Expense Tracker
Worth Considering
💰 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
  • 🎨 Visually pleasing design

Room to Improve

  • 🔍 Limited envelope customization (renaming, reordering, deleting)
  • 🔢 Inability to track cents/pennies
  • 🔗 No multi-device sync or sharing
  • 🔢 Envelope balance rounding issues

More Simple Envelope Budgeting apps to explore

FAQ about Simple Envelope Budgeting

What are the best simple envelope budgeting apps for iPhone?
Simple Envelope Budgeting tops our simple envelope budgeting apps ranking as of September 2026, with a 3.7-star average from 11 App Store ratings, and it's priced at $2.99.
Yes — 17 of the top simple envelope budgeting apps we rank are free to download, including Envy: Envelope Budget Planner and Budget Envelope.
Simple Envelope Budgeting has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 248+ simple envelope budgeting apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
Simple Envelope Budgeting is a finance app that digitizes the physical envelope budgeting method. It helps users track spending, set savings goals, and monitor their budgets using a color-coded envelope system.
Simple Envelope Budgeting is a paid app, available for a one-time purchase of $1.99. There are no in-app purchases or subscriptions required to unlock full functionality.