# EnvelopeBudget
> Envelope budgeting app for web, iOS, and Android. Give every dollar a job, track spending against envelopes, and plan for irregular expenses. $4/month or $40/year after a 34-day free trial with no credit card.

## What is EnvelopeBudget?
EnvelopeBudget (envelopebudget.com) is an independent budgeting app built on the envelope method. You divide the money you have into virtual envelopes (groceries, rent, car repairs), spend from them, and leftover money rolls into next month. It is not affiliated with Envelope (envelopebudgeting.com), a separate product.

## Pricing
- 34-day free trial, no credit card required
- $4/month or $40/year; every plan includes every feature
- $60 one-time lifetime access, limited to the first 500 members
- Optional bank sync: the Plaid add-on is $3/month or $30/year (free during the trial, not included in lifetime access), or SimpleFIN for +$1.50/month or $15/year, paid separately to SimpleFIN. Manual entry and OFX/QFX file import are always free.
- No ads. No free-forever plan.
- Details: [Pricing](https://envelopebudget.com/pricing/)

## Key features
- Envelopes with rollover balances and savings goals (target amount and deadline)
- Bank sync via Plaid (add-on) or SimpleFIN, OFX/QFX file import, or manual entry
- Credit card handling: card spending moves money into a payment envelope
- Debt Center: snowball or avalanche payoff plans with a debt-free date
- Repeating transactions and a cash flow calendar
- Family & Team sharing: separate logins with per-budget Viewer or Editor access
- Built-in YNAB import (accounts, envelopes, transactions, balances)
- Reports with CSV, Excel, or Markdown export
- MCP server for AI assistants, with OAuth browser sign-in and read-only access by default
- Web, iOS, and Android apps

## Guide
- [Envelope budgeting: how the envelope method works](https://envelopebudget.com/envelope-budgeting/): the complete guide, with a worked month-long example
- [Features](https://envelopebudget.com/features/)

## Comparisons
- [Compare all apps](https://envelopebudget.com/compare/)

- [EnvelopeBudget vs Actual Budget](https://envelopebudget.com/compare/actual-budget/): Hosted, with native iOS and Android apps, vs Actual Budget's free, open-source, self-hosted app.
- [EnvelopeBudget vs EveryDollar](https://envelopebudget.com/compare/everydollar/): Envelopes with rollover balances vs EveryDollar's zero-based budget; bank-synced budgeting for about $55/year vs $79.99 for EveryDollar Premium. EveryDollar has a free manual version.
- [EnvelopeBudget vs Goodbudget](https://envelopebudget.com/compare/goodbudget/): Unlimited envelopes on every plan and cheaper bank sync than Goodbudget Premium ($10/month). Goodbudget has a free-forever plan; EnvelopeBudget doesn't.
- [EnvelopeBudget vs Monarch Money](https://envelopebudget.com/compare/monarch-money/): Focused envelope budgeting for $40/year vs Monarch's $99.99/year all-in-one dashboard. Monarch tracks investments and net worth; EnvelopeBudget doesn't.
- [EnvelopeBudget vs YNAB](https://envelopebudget.com/compare/ynab/): A $60 lifetime option, a built-in YNAB import, and about a third of YNAB's price ($40/year vs $109). YNAB includes bank sync; EnvelopeBudget's costs extra (SimpleFIN or the Plaid add-on).

## Switching guides
- [All switching guides](https://envelopebudget.com/alternatives/)

- [EveryDollar alternative](https://envelopebudget.com/alternatives/everydollar/)
- [Goodbudget alternative](https://envelopebudget.com/alternatives/goodbudget/)
- [Mvelopes alternative](https://envelopebudget.com/alternatives/mvelopes/)
- [YNAB alternative](https://envelopebudget.com/alternatives/ynab/)

## Free tools (no account required)
- [All tools](https://envelopebudget.com/tools/)

- [50/30/20 Budget Calculator](https://envelopebudget.com/tools/budget-calculator/)
- [Car Payment Opportunity Cost Calculator](https://envelopebudget.com/tools/car-payment-calculator/)
- [Debt Payoff Calculator](https://envelopebudget.com/tools/debt-payoff-calculator/)
- [Emergency Fund Calculator](https://envelopebudget.com/tools/emergency-fund-calculator/)
- [Fuel Cost Calculator](https://envelopebudget.com/tools/fuel-cost-calculator/)
- [Net Worth Calculator](https://envelopebudget.com/tools/net-worth-calculator/)
- [Hourly to Salary Calculator](https://envelopebudget.com/tools/salary-calculator/)
- [Savings Goal Calculator](https://envelopebudget.com/tools/savings-goal-calculator/)
- [Sinking fund calculator](https://envelopebudget.com/tools/sinking-fund-calculator/)
- [Subscription Cost Calculator](https://envelopebudget.com/tools/subscription-calculator/)

## Free templates (no account required)
- [All templates](https://envelopebudget.com/templates/)

- [Cash envelope tracker](https://envelopebudget.com/templates/cash-envelope-tracker/)
- [Envelope budget spreadsheet](https://envelopebudget.com/templates/envelope-budget-spreadsheet/)
- [Couples envelopes](https://envelopebudget.com/templates/starter-envelopes/couples/)
- [Debt payoff envelopes](https://envelopebudget.com/templates/starter-envelopes/debt-payoff/)
- [Irregular income envelopes](https://envelopebudget.com/templates/starter-envelopes/irregular-income/)
- [New baby envelopes](https://envelopebudget.com/templates/starter-envelopes/new-baby/)
- [Wedding envelopes](https://envelopebudget.com/templates/starter-envelopes/wedding/)

## Solutions
- [All solutions](https://envelopebudget.com/solutions/)

- [Budget with irregular income](https://envelopebudget.com/solutions/budget-irregular-income/)
- [Get out of debt](https://envelopebudget.com/solutions/get-out-of-debt/)
- [Save for your first home](https://envelopebudget.com/solutions/save-for-first-home/)
- [Stop living paycheck to paycheck](https://envelopebudget.com/solutions/stop-living-paycheck-to-paycheck/)

## Budgeting for
- [All audiences](https://envelopebudget.com/budgeting-for/)

- [College students](https://envelopebudget.com/budgeting-for/college-students/)
- [Couples](https://envelopebudget.com/budgeting-for/couples/)
- [Families](https://envelopebudget.com/budgeting-for/families/)

## Integrations
- [All integrations](https://envelopebudget.com/integrations/)

- [Amazon Integration](https://envelopebudget.com/integrations/amazon/)
- [MCP browser sign-in and scoped budget access](https://envelopebudget.com/integrations/mcp/)
- [SimpleFIN Integration](https://envelopebudget.com/integrations/simplefin/)

## Links
- [Homepage](https://envelopebudget.com/)
- [Sign up (free trial)](https://envelopebudget.com/signup/)
- [Mobile apps](https://envelopebudget.com/mobile/)
- [iPhone & iPad app (App Store)](https://apps.apple.com/us/app/envelopebudget-com/id6747729124)
- [Android app (Google Play)](https://play.google.com/store/apps/details?id=com.envelopebudget.android)
- [Blog](https://envelopebudget.com/blog/)
- [About](https://envelopebudget.com/about/)
- [Founder: Dustin Davis](https://envelopebudget.com/about/dustin-davis/)
- [Contact](https://envelopebudget.com/contact/)
- [Media kit (logos, screenshots, press facts)](https://envelopebudget.com/media/)
- [Privacy policy](https://envelopebudget.com/privacy/)

## Common questions
- Q: What is envelope budgeting? A: A method where you divide the money you have into categories (envelopes) and only spend what's in each one. Leftovers roll over.
- Q: How much does EnvelopeBudget cost? A: $4/month or $40/year, or $60 once for lifetime access (first 500 members). Optional bank sync costs extra: the Plaid add-on is $3/month or $30/year, or SimpleFIN is $1.50/month or $15/year.
- Q: Is there a free trial? A: Yes, 34 days with no credit card required.
- Q: Can I import from YNAB? A: Yes, EnvelopeBudget has a built-in YNAB import.
- Q: Does it sync with my bank? A: Yes, optionally, through SimpleFIN (paid separately). You can also import OFX/QFX files or enter transactions manually.
- Q: Is it available on mobile? A: Yes, on iOS, Android, and the web.