Envelope Budgeting · Reimagined

Tell your money where to go. Always know what you can spend before you buy.

Create envelopes for your categories. Groceries, gas, rent, coffee. Always know what's left to spend. Built for the phone in your pocket.

Download on the App Store 14 days free trial · then $4.99/mo
✉
🛒
Groceries
Spent
$294.26
Remaining
$105.74
$400.00 budget
The Idea

A budgeting app built on a simple idea: every dollar belongs somewhere. Every decision is easier when you know what's left.

Monthly Budget overview — $416.80 remaining of $2,010 budget
Spending by Envelope — Groceries, Dining Out, Gas, Entertainment, Shopping, Bills, Health, Misc, Flowers, Coffee
Three Ways In

Whichever way you log it, you'll always know where your budget stands before you spend.

No. 01 📸

Snap a receipt.

The AI reads the amount, the merchant, and the date — then drops it in the right envelope. You confirm with a tap.

No. 02 🎙️

Speak it.

"Thirty dollars gas, Costco."

Done. Hands-free.

No. 03 ⌨️

Type it.

When you're in a noisy place or working from memory, manual entry takes seconds.

True Envelope Budgeting

Not just category tracking.

Most apps show you where your money went after the fact. Smart Envelope tells you what's left before you spend.

You create each envelope and you set the limit. Each receipt is recorded and deducted. When it's getting low, you see it. When it's gone, you decide what to do — move money from another envelope, or hold off until next month.

Adjusting your budget is easy. Your call.

✉
⛽
Gas
Spent
$167.40
Remaining
$32.60
$200.00 budget
Coffee envelope — $83.00 spent, -$8.00 remaining, over $75.00 budget
Monthly Budget card showing $263.01 remaining of $1,545.00 with Budget $1,545, Spent $1,282, Remaining $263, and a note that budget equals the sum of envelope limits
How It Adds Up

Your budget is the sum of your envelope limits.

True envelope budgeting, helping you adjust in real time, not just track after the fact. There's no separate number to set. Your total monthly budget is simply what you've assigned across Groceries, Gas, Rent, Coffee, and every other envelope combined.

Tap any envelope to edit its limit, and your overall budget adjusts automatically. Move money between envelopes as life changes — no spreadsheets, no re-adding it all up.

The Privacy Story

Your money. Your phone. Nobody else's business.

Some budgeting apps have faced breaches, putting data at risk. Smart Envelope protects you by never needing bank access. Your budget stays on your phone.

Smart Envelope is built differently.

Just a budgeting app that respects the fact that your money is your business.

Pricing

Smart Envelope

  • 14 days free trial
  • Then $4.99/month or $59.88/year
  • Cancel anytime

We never ask for your bank password to use Smart Envelope.

Questions, Asked
Why no bank linking?
Because the moment you hand over your bank login, your financial data lives somewhere it can be stolen. Documenting expenses yourself is also how you track where your money goes. Bank linking makes budgeting passive. Smart Envelope keeps you engaged.
Where does my data actually live?
On your phone. Your transactions, balances, and budgets live on the device. Receipt photos clear automatically when you start a new month. If you enable iCloud Photos backup in Settings, photos sync only to your own iCloud account.
What does the AI do — and what doesn't it do?
The AI reads each receipt only to extract the amount, merchant, and date so it can drop the expense in the right envelope. It's never used to train any model, never linked to your identity, and it's automatically deleted within 30 days.
What if I don't have a budget yet?
Snap receipts for a month and let Smart Envelope show you what you actually spent. Then build your envelopes from real numbers, not guesses. The app teaches budgeting through doing.
How much does it cost?
14 days free trial. After that, $4.99 a month or $59.88 a year. Cancel anytime.
Why iPhone only?
Smart Envelope is built specifically for iPhone, with iCloud, and for the Apple privacy environment that makes our model possible.

Tell your money where to go.

14 days free trial. Then $4.99 a month or $59.88 a year. Cancel anytime.

Download on the App Store