Envelope: Budgeting & Banking1.47.522

Take Control of Your Money with Envelope: The Ultimate Budgeting & Banking App.

Envelope brings back the tried-and-true envelope budgeting system in a modern, digital format. Track every dollar, save more, and take your finances to the next level. We combine the best of budget calculators, finance management, and net worth tracking to give you a seamless experience in managing your money. Designed for those serious about achieving financial goals.

Why Choose Envelope?

* Powerful Envelope Budgeting: Organize your spending and savings with ease. Our app features allow you to create digital "envelopes" to allocate funds, so you can plan for every expense while keeping your savings on track.
* Protected Envelope with interest: Grow your savings faster with our high-yield savings Protected Envelope. Earn interest with this special account designed for secure savings and higher returns, helping you reach your financial goals even sooner. *
* Early Paycheck Access: Get paid up to two days early with Envelope’s early paycheck feature. Access your hard-earned money sooner so you can stay ahead on bills, budgeting, and daily expenses. *
* All-in-One Finance Manager: From monitoring debit credit transactions to tracking spending, Envelope acts as your comprehensive money tracker and money manager. Stay on top of your finances with instant notifications and detailed insights.
* Save Smarter, Spend Smarter: Use our money-saving tracker and other tools to set and reach savings goals. Envelope helps you track spending effortlessly, giving you the clarity needed to make informed financial decisions.

Key Features:

* Real-Time Budgeting: Transactions update your envelope balances automatically as you spend.
* Up to 50 Virtual Cards: Create virtual debit cards for bills, subscriptions, or individual spending envelopes.
* Built-In Joint Accounts: Share one household budget and checking account while each partner gets their own debit card.
* 3.28% APY Savings: Earn 3.28% APY on protected savings kept separate from everyday spending.*
* 55,000+ Fee-Free ATMs: Withdraw cash nationwide at 55,000+ qualifying Allpoint ATMs.*
* Early Direct Deposit: Get eligible paychecks up to 2 days early.*
* Unlimited Envelopes: Organize your checking account into as many digital budgeting envelopes as you need.

Who is Envelope For?

Whether you’re just getting started with budgeting or you’re a personal finance power user, Envelope is tailored to help you save money, track spending, and achieve financial freedom. It’s more than just a budget app - it’s a complete money-saving and financial management solution.

Download Envelope and Start Your Financial Journey Today! Take control of your finances with Envelope and experience the convenience of a budget app free of hassles. Transform how you save money and manage your budget - because every dollar deserves a purpose.

* Envelope is a financial technology company and is not a bank. Banking services provided by Pacific West Bank, Member FDIC. Your funds are FDIC insured up to $250,000 through Pacific West Bank, Member FDIC. Deposit insurance covers the failure of an insured bank. The Envelope Visa(R) Debit Card is issued by Pacific West Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. Annual Percentage Yield (APY) of 3.28% is effective as of 9/17/2026. This is a variable rate and may change after the account is opened. Fees could affect earnings on the account.

Version History - Up to 3 protected savings envelopes
- Protected savings envelopes have a lock icon
- Reworked startup navigation for reliability 1.47.522 Oct 6 - Moved to native birthday picker during onboarding
- Moved to native state picker during onboarding & card ordering
- Reworked app wide font system
- Fixed push notification issue 1.46.518 Sep 12 - Protected ACH envelopes (up to 3 envelopes can have their own ACH info)
- New create envelope sheet that forces choice between protected ACH and standard
- Protected savings envelopes now share the same styling as other envelopes
- Protected savings can be renamed

BUG FIXES
- Fixed daily log out issue
- Envelope settings don't copy over from last opened envelope
- Fixed issue with fonts not resizing from accessibility settings
- Fixed issue with custom font sizes causing end of card number to truncate 1.45.507 Sep 3 - Fixed issue with users getting logged out
- Protected savings envelope can be renamed
- Protected savings envelope color can be changed
- Fixed issue with fonts not resizing from accessibility settings
- Fixed envelope sort order not persisting between app launches 1.44.503 Aug 27 - New daily auto-amount funding
- New logged out screen design
- New in-app styling
- New money screen experience
- PIN can now be reset without messaging support
- Removed SMS support links
- Onboarding UI improvements
- Transactions load 10x faster when starting the app
- Remembers previous log in when you log out
- Fixed issue with app showing login screen on startup while already logged in 1.43.493 Aug 20 - Fixed issue with set PIN screen not prompting 2FA 1.42.460 Apr 16 PAYCHECK AUTO-AMOUNTS
- We calculate how much each envelope needs from your paycheck — based on how often and how much you’re paid
- The app auto-detects possible paychecks
- Added list of upcoming events to envelopes
- Added upcoming paycheck events feed

OTHER UPDATES
- See all planned transfers from a paycheck that failed & retry them
- Skip transfers from a paycheck
- User can now undo individual paycheck transfers, instead of all at once

SMALLER CHANGES
- Budget screen shows totals for envelope funding
- Multiple paychecks can be selected at the same time when choosing envelope funding
- If the app fails to load when first opened, it shows a "retry" button instead of making it seem like you're logged out
- "Save envelope" button now hovers over envelope edit screen
- Search now works for $dollar amounts
- Tax forms & account statements can now be downloaded if your account's closed
- A deposit can be removed as a paycheck
- Placeholders can be removed

BUG FIXES
- Fixed due date sorting
- Fixed issue with long-running funding timing out 1.41.455 Apr 5 - Envelopes can how have multiple auto-fund settings
- New every 2 weeks auto-fund
- New 2 months, 3 mo, 4 mo, 6 mo auto-fund
- New "29th", "30th", and "31st" of month auto-fund
- New yearly auto-fund

- Undo transfers button now moved to top of screen

- New Weekly bills, every 2 week bills
- New Every 2 months bills, 3 mo, 4 mo, 6 mo
- New Yearly bills
- New "29th", "30th", and "31st" of month bill settings
- Unified "Bills" and "Goals" under new "Budget" system

- Envelopes can have notes
- Envelopes can have only a budget amount (no frequency needed)
- New collapsed/expanded envelope views
- Envelopes no longer need a budget to have a progress bar

VISUAL CHANGES
- Search moved to bottom of screen
- Envelope sorting moved to top of screen

- Move money screen auto opens amount if set to $0
- Fixed "Undo all transfers" failing if list included protected savings
- Fixed paycheck auto-fund double funding envelopes
- Added flashiness to Envelope's UI 1.40.422 Jan 19 UPDATES
- Removed side swiping between tabs to fix iOS 26 bottom sheet bugs
- Virtual card envelopes now have a visual indicator on the Envelopes tab
- Removed "Welcome to envelope" demo when you first launch the app

BUG FIXES
- Fixed unprompted 2FA texts when you receive a push notification
- Fixed red outline around "Always move money" button
- Fixed $5/month subscription sometimes not charging a fee
- Toggling off "envelope virtual card" doesn't warn you if editing an envelope that doesn't have a card
- App now prompts you to unlock your card when you're setting a pin 1.40.19 11/23/2025 - Fixed 2FA texts getting triggered by push notifications
- Set card PIN sheet can now slide fullscreen 1.40.18 11/04/2025 UPDATES
- iOS 26 Liquid glass
- New drag & drop
- Alphabetical envelope sort
- New activate card UI

BUG FIXES
- Fixed a bug not allowing users to set their pin
- Removed connectivity error message
- Fixed update card pin UI getting cut off 1.40.17 10/27/2025 - Added more demo data to the onboarding flow
- Fixed bug with Quick transfer from Available when Available is $0
- Made the set/change pin screen more reliable
- Fixed a bug not allowing card pins to be set when the card is locked
- Renamed Trends to Budget tab + some small design changes (more on the way)
- New error UI
- Auto-lock now asks if you'd like to unlock your card when disabled
- Toggling off a virtual card warns you the card will be closed 1.40.16 10/02/2025 - You can now select an envelope before you swipe
- Your next card swipe will only spend up to that envelope’s balance and will auto-assign to it
- This feature is available when you enable Auto-lock on your card
- Cards now have a loading animation instead of looking missing
- Cards display a "retry" button if they fail to load
- Added a "Do you want to unlock your card?" prompt when you disable Auto-lock
- Redesigned top nav buttons
- Auto-lock now only works on your physical card (your partner has their own settings) 1.40.15 09/19/2025 - Envelopes can now have a virtual card
- Reworked physical & virtual card UI
- New card details sheet
- New "Budget overview" on Trends tab
- Cards now show last4 digits at all times in app
- Card transactions now show last 4 digits
- Fixed Auto-lock bug locking virtual cards
- Made viewing card details more reliable when phone is open for a long time
- Xfinity and Xfinity Mobile are separately labeled now 1.40.14 09/10/2025 - Added Auto-lock toggle to Account settings
- Added card quick-unlock button on Envelopes tab
- Updated Activity, Envelopes, and Trends tabs background colors
- Fixed Plaid "unable to link another account" error messages
- Added last 4 digits and type of card used for your card transactions (still working on partner's transactions for joint accounts)
- "Spectrum Mobile" transactions now appear differently from "Spectrum" (internet/cable) 1.40.11 09/04/2025 - Fixed issue with users getting stuck in onboarding
- Verify email screen now shows links to all email apps instead of just picking two 1.39.0 04/22/2025 FEATURES
- Envelope caps
- Transaction info box now shows raw location data

BUG FIXES
- Onboarding bug fixes 1.38.0 04/15/2025 FEATURES
- Mobile check deposit
- New app icon

BUG FIXES
- Fixed membership tracker incorrect amount description bug
- Fixed envelope sort by due date bug
- Updated reset pin links to go to Envelope support 1.37.0 03/26/2025 MINOR UPDATES
- Push notifications now deep link to the transaction when you tap on them
- Improved gestures on transaction map
- Added more haptics to the app
- Onboarding updates 1.36.0 02/01/2025 - Fix multiple issues with users getting stuck in onboarding 1.35.0 12/12/2024 - Added links to WalmartChecks.com from the Move Money screen

BUG FIXES
- Tapping the X resets your Move money into envelopes settings
- Less flaky app refreshing & background updates
- Fixed issue only showing previous month trends data 1.34.0 12/10/2024 - Fix issue causing transactions during 1 hour of March daylight savings time to show today's date 1.033 11/16/2024 BUG FIXES
- Fixed an issue stopping sign in 1.032 11/13/2024 BUG FIXES
- Envelopes can no longer be saved with $0 move amount
- Envelope color starts on blue
- Fixed archive envelopes button on iOS 18 1.031 11/08/2024 FALL UPDATE
- New Fall app icon

FEATURES
- Link and transfer money from/to an external account with Plaid
- Always move money into envelopes when a paycheck arrives (don't need to manually press button anymore)
- All new transaction detail sheet, map, and info tab
- New envelope creation & editing design

SMALLER QUALITY OF LIFE UPDATES
- Charts moved to new insights tab
- Available no longer forced to expand if negative
- All new transaction loading. Should greatly increase loading speed if you have 1+ year of data

BUG FIXES
- "Always assign" toggles are now correct when closing and opening Envelope app 1.030 09/24/2024