EnvelopeBudget

EnvelopeBudget is an envelope budgeting app for the web, iPhone, iPad, and Android. Assign the money you have to spending and savings envelopes, review transactions, and share selected budgets with your family or team.

Budget planning: unlimited envelopes, monthly targets, savings goals, reusable paycheck allocation plans, and multiple budgets. Guided setup and a getting-started checklist help new users build their first budget.

Transactions and bank sync: optional SimpleFIN imports, a review-first transaction inbox, split transactions, linked transfers, reconciliation, payee rules, advanced search, and Gmail-style keyboard shortcuts. Repeating bills, paychecks, and transfers appear on a calendar and are matched to bank imports. The EnvelopeBudget Helper Chrome extension matches Amazon purchases to transactions and adds item names.

Debt payoff: the Debt Center supports snowball, avalanche, and custom payoff orders, with debt-free projections, interest estimates, progress tracking, and extra-payment what-if comparisons.

Sharing: Family & Team members use separate logins, with No access, Viewer, or Editor permissions for each budget. Family members are covered by the owner's subscription.

Reports and portability: spending, budget, income-versus-expense, account-audit, and savings-goal reports; report exports; OFX/QFX imports; YNAB migration; and complete budget import/export.

Mobile and integrations: native mobile apps support cached offline viewing and an offline transaction queue. A REST API and official remote MCP server support integrations with compatible software and AI assistants. Light and dark themes and web passkey sign-in are available.

EnvelopeBudget is independently developed, ad-free, and does not sell personal financial data.

Pricing: $4/month or $40/year, with a $60 founding lifetime option limited to the first 500 members. A 34-day free trial requires no credit card. Optional bank connectivity is paid separately to SimpleFIN ($1.50/month or $10/year); manual entry and file imports do not require it.