Money Envelope: Budget Tracker

Take control of your finances with the envelope budgeting method — now with automatic Apple Pay tracking.

Money Envelope is a beautifully simple budgeting app that puts every dollar in its place. Screenshot your Apple Pay payments, and the app reads them automatically using on-device OCR. No manual entry, no hassle, no subscription fees. Ever.

▸ AUTOMATIC TRANSACTION TRACKING

• Scan Apple Pay payment screenshots — merchant names and amounts are read instantly
• Set up Tap to Pay automation via iOS Shortcuts for hands-free tracking
• Pending transactions queue lets you review and categorize in batches
• Smart merchant memory — the app learns your categories and auto-assigns future transactions

▸ SMART ENVELOPE BUDGETING

• Create custom envelopes for every spending category
• Set monthly budgets and distribute your income across envelopes
• Budget rollover — unused money carries over to next month automatically
• Recurring transactions for subscriptions, rent, and regular expenses
• Ready-made templates to get started in seconds

▸ ANALYTICS & EXPORT

• Visual spending trends with daily and cumulative charts
• Envelope breakdown showing where your money goes
• Daily spending average, percentage spent, and remaining balance at a glance
• Export your data as CSV or JSON — your data, your way
• Flexible time periods: current month, last 3/6 months, year-to-date, or custom range

▸ MULTI-CURRENCY SUPPORT

• 25+ currencies with automatic conversion
• Set your base currency and log transactions in any currency
• Real-time exchange rates keep your budget accurate across borders

▸ PRIVACY FIRST

• All data stored on your device and in your personal iCloud — nowhere else
• On-device OCR — your screenshots never leave your phone
• No third-party servers, no data selling, no tracking
• Analytics are 100% opt-in — you choose what to share
• No account required — just download and start budgeting

▸ DESIGNED FOR SIMPLICITY

• Clean, intuitive interface that gets out of your way
• Add transactions in seconds with quick-entry flow
• Search and filter transactions by category, date, or keyword
• Custom icons and colors for every envelope
• Dark mode support
• Full onboarding to get you started fast

Money Envelope is 100% free with no subscriptions, no in-app purchases, and no hidden costs. If you've been looking for a simpler, more private alternative to YNAB or other budgeting apps — this is it.

Download now and take control of your spending.