--- title: "Envelope: Budgeting & Banking - Reviews, Revenue and Downloads in United States | Apple App Store" description: "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" --- # Envelope: Budgeting & Banking — United States > Your ultimate money manager ![Envelope App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/40/02/c7/4002c77c-635d-476e-4087-4661f1e14cb2/alt-icon-prod-0-0-1x_U007ephone-0-1-85-220.png/400x400bb.png) **Developer:** [Envelope Money](https://apptail.io/developer/envelope-money-vaJe) **Category:** Finance **Rating:** 4.7/5 (377 ratings) **Price:** Free **Bundle ID:** com.envelopemoney.prod **Store:** Apple App Store **Country:** United States **Version:** 1.46.518 (released 2026-04-16) **Original Release:** 2023-02-11 **App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id6444296251) **AppTail Page:** [https://apptail.io/app/envelope-budgeting-banking-aOvk/united-states](https://apptail.io/app/envelope-budgeting-banking-aOvk/united-states) ## Envelope Description 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 free budget 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: * Instant Transaction Notifications: Get real-time updates on your spending and stay aware of where your money goes. * Separate Virtual & Physical Cards: Organize your finances better with separate cards for each spending category. * Built-in Joint Accounts: Manage shared expenses smoothly with joint accounts designed to support collaborative budgeting. * Net Worth Tracker: Keep track of your assets and liabilities over time with our easy-to-use net worth tracker. * Protected Envelope – High Yield Savings: Maximize your savings with funds set aside in your Protected Envelope. * * Early Paycheck Access: Receive your paycheck up to two days early and stay ahead of your expenses. * 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® 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 3.07% is effective as of 12/11/2025. This is a variable rate and may change after the account is opened. Fees could affect earnings on the account. ## Envelope Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/c3/7f/fe/c37ffee0-946d-9633-04b6-6416c5821850/01b.jpg/1242x2688.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/a7/aa/10/a7aa10a0-b230-94d9-b6ca-d150476d7b85/02b.jpg/1242x2688.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/0f/46/81/0f46814d-7ff7-3ca6-fb8c-11edd49dbec9/07b.jpg/1242x2688.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/75/78/99/75789985-b0fb-adf0-7413-65bfb761dd07/07b-1.jpg/1242x2688.png) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/3d/d3/aa/3dd3aa8e-8dc8-1e44-db1e-2d7175431dfd/06b.jpg/1242x2688.png) ## Envelope Rating Breakdown in United States - 5 stars: 336 (89%) - 4 stars: 17 (5%) - 3 stars: 5 (1%) - 2 stars: 3 (1%) - 1 stars: 16 (4%) ## Envelope Reviews in United States ### *---- "False advertisement" Not free. Look else where if you’re looking for a replacement for “Simple” or “ONE”. -- koukiemonster, 2024-11-26 ### *---- "Is it a bank or not?" Reviews say it’s a bank, the app says it’s NOT a bank. They want all my personal information including my SS# to access the app. No way!!! You’ve gotta have a trial where we can get an idea about what’s offered and feel comfortable with the security. So I didn’t make it past the sign up process. Seems interesting but not worth the risk. -- 0verwatch36O, 2024-11-20 ### ***** "Wow!" I don’t leave reviews but envelope deserves a good 10 stars for being so seamless. After simple banks shut down I looked everywhere for a simple envelope like banking that’s easy and automated. Envelope has hit almost every check mark for me for being effortless and easy. I’m finally back to the budgeting style that works best for me without having multiple budgeting apps that complicated it for me even further. I love that the discord page for envelope is so interactive, the developers are always updating and communicating features and plans with users that make you feel like your a part of the team. Honestly the only hiccup for me is feeling like it could end like how simple banking was pulled out of nowhere. I’m really excited for the future of this banking and budgeting app that after months of testing out and putting a percentage of paycheck’s this week I’ve fully committed. -- Blah7483920274, 2024-11-17 ### ***-- "Glitch" This app looks so nice, I would love to use it... But I can't get past the demo. Not sure it's ready for public release. :( -- KarisColley, 2024-10-31 ### ***** "Simple Bank Successor" If you, like me were a Simple user back in the day, Envelope is for you. The budgeting style, the charts and data, the automations… it has made my life so much easier and I really love how active the founders are in discord. -- willbosquez, 2024-10-03 ### ***** "A bank for people who like to budget. Made by former Simple bank employees!" Envelope has truly transformed the way I manage my money! The budgeting feature, or “envelopes,” has made it so simple to allocate my funds, balance my budget, and even work my way out of debt. I used to struggle with the single number most bank apps show, but Envelope breaks everything down in a way that’s easy to follow and gives me full control over where my money is going. What’s even better is that all the budgeting features, like the individual envelopes, are built directly into the app. No more needing to rely on third-party apps to manage my budget outside of my bank—it’s all in one place, which makes life so much easier! Envelope was created by former employees of the bank “Simple,” so if you loved Simple, you’ll love Envelope even more! The user-friendly design and intuitive features really feel like an upgraded experience. One of the standout features is their Discord channel, where you can vote on new features and even connect with the actual team behind Envelope—it’s great to feel like they’re listening to their users. Plus, the built-in savings account with a 4.55% APY is such a game changer for growing my savings effortlessly. I can’t recommend this app enough for anyone who wants a simple and effective way to manage their money and keep track of every dollar. Envelope has made a real difference for me, and I know it would for others too! -- w1ldthin9, 2024-09-20 ### ***** "Simply the best" Hands down the best banking option for those who like great budgeting features or previously used “fintech” banks like Simple (RIP). Great UI, super easy to use, and the owners are a great team and incredibly responsive to feedback and support requests. Best banking app out there! -- THUNT836, 2024-09-20 ### ***** "Almost Gatekept, It’s That Good." I have used this fintech for over a year now. I don’t know how to adequately describe the incredible experience I’ve had. If you need a bank that you can budget in and look good doing it.. give them a shot. -- I.am.Sam.B, 2024-09-20 ### ***** "Simple Bank Replacement I’ve Dreamed Of!" The team at Envelope is incredibly responsive, and their customer service has been outstanding. The features built into the application function, almost identically to what used to be called simple bank. The only real differences that I can identify between this product and that institution are in the names of the different sorts of features, and the fact that some features are not available. For instance, paper checks and support for multiple paychecks (as far as automation, you can absolutely receive the funds even now) would be awesome, but both appear to be on the roadmap! The team is very transparent, and communicates publicly with its entire community through various methods, leaving no room for doubt or concern. I wholeheartedly endorse this platform! -- Arian.Haidar, 2024-09-18 ### ***** "Finally a Budgeting System that’s easy to manage!" I’ve tried tons of other budgeting apps and bank accounts in the past, and I found them all way too cumbersome to use. in the end, I ended up not using them because they were such a pain. But this one eliminates all the hassle. thank you Envelope! -- acoolio32, 2024-09-02 [View all Envelope reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews) ## Envelope Discovered Keywords - envelope - simplebudget - envelope money ## Apps Similar to Envelope - [Swirepay](https://apptail.io/app/swirepay-TDK/united-states) - [Envel - Mobile Banking](https://apptail.io/app/envel-mobile-banking-BEL/united-states) - [Fastsusu](https://apptail.io/app/fastsusu-cFU/united-states) - [MyFRSH](https://apptail.io/app/myfrsh-HFU/united-states) - [Snack Change](https://apptail.io/app/snack-change-DOU/united-states) - [Rally Invest](https://apptail.io/app/rally-invest-gCV/united-states) - [Netevia](https://apptail.io/app/netevia-tWcb/united-states) - [Bill Recall](https://apptail.io/app/bill-recall-ckmb/united-states) - [Climate First Bank Personal](https://apptail.io/app/climate-first-bank-personal-XQBb/united-states) - [Beacon Budget: Money Manager](https://apptail.io/app/beacon-budget-money-manager-ciLd/united-states) --- ## About AppTail [AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. Track your app's performance, discover ranking keywords, monitor competitors, and analyze market trends. - [Search Apps](https://apptail.io) - [Top Charts](https://apptail.io/top-iphone-apps) - [Sign Up for Full Access](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=footer) *Data provided by [AppTail](https://apptail.io) - Mobile App Intelligence Platform*