Best Sinking Funds Apps

250+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated September 2026

Finding the right sinking funds apps can be overwhelming with so many options. We've analyzed 250+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Compare top Sinking Funds Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Envy: Envelope Budget PlannerEnvy: Envelope Budget PlannerFree4.8★ (794)NoYesSep 2026
2SetAside: Sinking Funds AppSetAside: Sinking Funds AppFreeNoYesSep 2026
3Tuck - Sinking FundsTuck - Sinking FundsFreeNoYesAug 2026
4Budget BestieBudget BestieFree4.7★ (3.1K)YesYesSep 2026
5Envelope Budget App - TuckEnvelope Budget App - TuckFree4.7★ (25)NoYesSep 2026
6Budget app - spending trackerBudget app - spending trackerFree4.7★ (16K)NoYesSep 2026
7EnvelopeBudgeterEnvelopeBudgeterFreeNoNoMay 2026
8MyPFMyPFFreeNoNoMay 2026

Top Picks for Sinking Funds

Envy: Envelope Budget Planner#1

Envy: Envelope Budget Planner by Chimpanzee, LLC

Money Cash Expense Tracker
Editor's Choice
💰 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 Sinking Funds apps to explore

FAQ about Sinking Funds

What are the best sinking funds apps for iPhone?
Envy: Envelope Budget Planner tops our sinking funds apps ranking as of September 2026, with a 4.8-star average from 794 App Store ratings, and it's free to download.
Yes — 20 of the top sinking funds apps we rank are free to download, including Envy: Envelope Budget Planner and SetAside: Sinking Funds App.
Envy: Envelope Budget Planner has no ads and offers in-app purchases, according to its App Store listing as of September 2026.
We track 250+ sinking funds apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
Envy is a mobile application designed to digitize the cash envelope budgeting system. It allows users to create and manage unlimited digital envelopes for different spending categories, track expenses manually, and monitor their budget without the need to link bank accounts or credit cards.
Key features include the ability to create unlimited envelopes, quick deposit refills for all envelopes, easy transaction movement between envelopes, starting envelopes with negative balances, and exporting transaction data as a CSV file. Transactions can be entered and edited in under 5 seconds.

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