Money Envelope: Budget Tracker
Automatic Spending Planner
Free · Designed for iPad. Not verified for macOS.
A free envelope budgeting app that auto-tracks Apple Pay. Screenshot your payments, and we handle the rest. No subscription, no data collection, ever.
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.
Ratings & Reviews
- This app has not received enough ratings or reviews to display an overview.
- Fix setting up budget changing amount
- Search transactions by amount
The developer, Vladislav Komkov, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Provider
- Vladislav Komkov
- Size
- 7.6 MB
- Category
- Finance
- Compatibility
Requires iOS 26.2 or later.
- iPhone
Requires iOS 26.2 or later. - iPad
Requires iPadOS 26.2 or later. - Mac
Requires macOS 26.2 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 26.2 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © Vladislav Komkov