Know exactly
where every dollar
is going.
Envel gives each paycheck a job before you spend it. Set spending limits by category, watch your envelopes fill and empty in real time, and actually finish the month with money left over.
Free forever plan available · No bank connection required · Setup in 4 minutes
March Budget
$3,200 allocated
$160 remaining
$25 left — slow down!
✓ Fully funded
$105 remaining
Unallocated this month
$290
47k+
Active budgeters
$2.1M
Saved by users this year
4 min
Average setup time
4.8 ★
App store rating
Everything you need
Budgeting that fits how you actually live
No spreadsheets. No confusing dashboards. Just a simple system where every dollar has a home before it leaves your account.
Custom spending envelopes
Create envelopes for every spending category — groceries, gas, date nights, subscriptions. Give each one a monthly limit and watch it in real time.
Instant visual spending progress
Color-coded bars show you at a glance which envelopes are healthy, which are almost empty, and which you've already overspent — no mental math needed.
One-tap paycheck splitting
Enter your paycheck amount and Envel auto-fills your envelopes based on your saved plan — or adjust on the fly with a simple drag-and-drop.
Gentle overspend warnings
Get a heads-up when an envelope drops below 20%, and a clear flag when you've gone over — so you can borrow from another envelope before it becomes a problem.
Your privacy stays private
Envel never asks for your bank login. Log expenses manually or import a CSV — you stay in control of what data you share. No read access to your accounts.
Rollover savings envelopes
Set up sinking funds for car repairs, holidays, or a vacation. Leftover budget rolls forward each month so you're never caught off guard by big irregular expenses.
Simple by design
Up and running in under 5 minutes
No financial degree required. No multi-hour onboarding. Just three steps and you've got a working budget.
Set your monthly income
Enter what you bring home each month. Envel starts from your real take-home pay — not gross salary — so your plan matches your actual bank account.
Create your spending envelopes
Pick from 30+ preset categories or build your own. Assign a dollar amount to each one until every dollar of your income has a job — $0 left unaccounted.
Log expenses as you spend
Every time you spend, tap the envelope and subtract. Your remaining balance updates instantly. The visual feedback is the entire point — it rewires how you think about spending.
"I've tried every budgeting app out there. Envel is the first one that actually made me feel like I had control. Seeing the envelope drain as I spend is genuinely satisfying when I'm under budget."
Mia Chen
Nurse · Saved $4,200 her first year
Pricing
Start free. Upgrade when you're ready.
The free plan is genuinely useful — not a crippled demo. Upgrade only if you want the extra power.
Free
$0
Forever. No card needed.
- Up to 10 spending envelopes
- Manual expense logging
- Monthly budget reset
- Spending progress bars
Pro
$4/mo
Billed $39/year. Cancel anytime.
- Unlimited envelopes
- Rollover sinking funds
- CSV import & export
- Shared budgets (2 people)
- Monthly spending insights
Family
$8/mo
Billed $75/year. Up to 5 members.
- Everything in Pro
- Up to 5 family members
- Per-person envelope views
- Priority email support
Stop wondering, start knowing
Your next paycheck deserves
a plan before it lands.
Join 47,000 people who stopped living paycheck-to-paycheck by giving every dollar a job. Setup takes less time than your morning coffee.
Free forever plan available. No credit card required.