Envelope is a financial technology company, not a bank. Banking services provided by Pacific West Bank, Member FDIC.

Banking
with built-in
budgeting

Engineered by former Robinhood and Apple Card team members.

Monthly
$5/mo

  • Unlimited envelopes
  • Joint accounts
30-day free trial

Annual
$40/yr

  • Unlimited envelopes
  • Joint accounts
  • 30-day free trial
  • Fee waived when you spend $5K/year using your Envelope debit card
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
I have used every modern bank & neobank, and
nothing beats Envelope.
Z. Vinman App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Beautiful app. Holy crap it’s so nice.
E. V. App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Every corner of the app just feels like it cares about your family’s financial wellbeing.
Garry Tan, CEO
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
A budgeting app has no business going this hard
R. B. App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
I have used every modern bank & neobank, and nothing beats Envelope
Z. Vinman App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Beautiful app. Holy crap it’s so nice.
E. V. App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Every corner of the app just feels like it cares about your family’s financial wellbeing.
Garry Tan
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
A budgeting app has no business going this hard
R. B. App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
I’ve used over 15 banks and all the budgeting apps to find a simple and automated way to manage finances. I feel like someone finally got it right.
W.S. App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
It's like I met Simple's hotter sister!
W.S. Discord
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Eliminates all the hassle.
A.C. App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Pretty slick
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
I’ve used over 15 banks and all the budgeting apps to find a simple and automated way to manage finances. I feel like someone finally got it right.
W.S. App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
It's like I met Simple's hotter sister!
W.S. Discord
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Eliminates all the hassle.
A.C. App Store
⭐️ ⭐️ ⭐️ ⭐️ ⭐️
Pretty slick

Useful notifications

You can control what types of notifications you get and when.

Flexible budgeting

Need a percentage of your paycheck for one bill and a set amount for another? Easily done with Envelope.

Physical & virtual

Instantly have access to your account with a virtual card, perfect for paying online bills or expenses.

Available

Money can be moved to envelopes on your schedule, leaving you your available-to-spend amount which we call “Available“.

Simply tap it to reveal your total balance and more.

Secure from the start

With Envelope, you can request a new virtual card number, lock your account from being used, and request a physical card at anytime.

Joint accounts

Share the responsibilty for reaching your goals and paying expenses.

Track spending

Not sure about your budget? Track spending across your account and on individual envelopes to adjust your balance accordingly.

With Envelope, you’re always in control.

Latest updates

2025 • 6 articles

Android Is Now in Beta

Envelope is now on Android, download from the Google Play Store to join the beta.

Product update

Mobile Check Deposit

We’re excited to introduce Mobile Check Deposit, making it easier than ever to add funds to your Envelope account.

Product update
New feature

Fall Update

Launching five of our highest community-requested features.

Product update
New feature

Envelope Insights

We've added four new charts to Envelope in a major analytics update.

Product update
New feature

Announcing Envelope Precision: Weekly, Daily, and Percentage Funding

More Envelope funding options are now live in the app.

Product update
New feature

Protected savings is here, yielding 3.7% APY*

Let's dive into how Protected savings can keep your funds safe, while earning you 3.7% APY*.

Product update
New feature