Best Envelope Budgeting Apps 2026
The classic envelope system, now digital. We compared the best apps that bring this time-tested budgeting method to your phone.
Why Envelope Budgeting Works
Simple to Understand
Visual categories make sense
Limits Overspending
When it's gone, it's gone
Flexible Categories
Customize to your life
Find out which app fits your needs
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Goodbudget
The Envelope Pioneer
Free / $8/mo
Key Features:
Bottom Line: The original digital envelope app. Great for couples who want to share a budget with classic envelope methodology.
YNAB
Modern Envelope Approach
$14.99/mo
Key Features:
Bottom Line: Not traditional envelopes but uses similar 'give every dollar a job' philosophy. Most powerful but most expensive.
Savida
Best Free Envelope Option
Free / $9.99/mo
Key Features:
Bottom Line: Modern take on envelope budgeting with added expense splitting. Best free option with bank sync included.
Mvelopes
Original Digital Envelopes
$5.97 - $19.97/mo
Key Features:
Bottom Line: One of the first digital envelope apps. Dated interface but stays true to envelope methodology.
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EveryDollar
Dave Ramsey's Envelopes
Free / $17.99/mo
Key Features:
Bottom Line: Uses envelope-style categories with Dave Ramsey's methodology. Free version is manual-entry only.
Qube Money
Physical + Digital Envelopes
$8 - $25/mo
Key Features:
Bottom Line: Unique approach with debit cards tied to specific envelopes. Your card only works when an envelope has funds.
What to Look For in an Envelope Budget App
The best envelope budgeting apps share these essential features:
- Easy envelope/category creation and management
- Bank sync to automatically categorize transactions
- Rollover options for unused envelope funds
- Shared access for couples or families
- Mobile app for tracking on the go
- Reports to see envelope history over time
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Frequently Asked Questions
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Savida's category budgets bring envelope simplicity with modern features.