• Category: Finance
  • Release Date: 2011-02-17
  • Current Version: 5.0.2
  • Adult Rating: 4+
  • File Size: 137.86 MB
  • Developer: Finicity Corporation
  • Compatibility: Requires iOS 9.0 or later.
  • Rating Count: 4 322


Easy to Get Started: Start today by downloading the Mvelopes budget app and use it for free for 1 month, add your financial institutions and come up with a budget that will keep you on the path to financial freedom. You will get all your transactions sent to your Mvelopes account and you will easily be able to track all your account balances in one easy to use the app. Mvelopes uses an envelope budgeting method to help you plan and track your household or personal budget. You can assign and manage your budget, as well as receive feedback on where you have spent your money and how much you have remaining Mvelopes offers 4 different in-app subscriptions that will auto-renew unless canceled. - Mvelopes Basic Monthly -$3.99/mo or $39.99/yr - Unlimited Envelopes, Unlimited Accounts, Live Chat Support. - Mvelopes Plus -$18.99/mo or $189.99/yr - Unlimited Envelopes, Unlimited Accounts, Live Chat, Learning Center, and a Quarterly Coaching Session. Each user is eligible for one 30 day free trial. Upgrading or downgrading to a subscription will not enable a new 30 day free trial. These plans are: - Mvelopes Basic Monthly - No Trial - $3.99/mo - Mvelopes Basic Yearly - No Trial - $39.99/mo - Mvelopes Plus Monthly - No Trial - $18.99/mo - Mvelopes Plus Yearly - No Trial - $189.99/mo • Payment will be charged to iTunes Account at confirmation of purchase or if it has a trial at the end of the trial period. • Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period • Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user's Account Settings after purchase • See our Privacy Policy for more details. • Mvelopes is an A + Rated Business with the Better Business Bureau • Tool for Tidying Up Your Budget - Credit Karma • Named best app for “Over Spenders” - Kiplinger’s Personal Finance • App That Makes Budgeting Fun - WiseBread • Best Online Money Management Tool - Nasdaq • Budget App for Recent Graduates - NerdWallet • Right Tool for Keeping Financial Resolutions - • App That Helps Manage Your Student Loans - SoFi • Budget Tool for the New Year - Chicago Tribune Get The Most Out Of Your Money Use the Mvelopes budget app to help make more informed budgeting decisions and future plans. Track your bank accounts and credit card balances alongside your budget to help pay off your debt and increase savings faster. Create a financial plan for the future and make it happen. Save time with the Mvelopes budget app and its access to over 16,000 financial institutions, so you can focus on managing finances and not entering transactions. Be secure with in-app security settings, a four-digit PIN or your Mvelopes username and password. Mvelopes Features: • Import your bank and credit card accounts and track your spending within Mvelopes • Unlimited envelopes and financial institutions can be used in your account • Use digital envelope budgeting system to organize and simplify your finances • Easily access or adjust your budget on the go • Categorized spending helps you make informed decisions when you shop • Inbox-style transactions makes it easy to stay on top of your budget every day • All-in-one accounts screen lets you view your checking, savings and credit card balances in one place • Assign transactions to envelope categories, including splitting individual transactions into separate categories • Complete, real-time synchronization with the Mvelopes web app at • Money saving tips, ebooks, and videos inside the app Terms of use and privacy -



  • Why mess with what worked!?! Version 5 is awful!

    By BrazenHead76
    I’ve been using mvelopes for many years (since when it was formerly associated with Crown Financial Ministries). The website/app has had its ups and downs, but with version 4 they finally got it right. I’ve been very happy with this app for a while...and then version 5. I’ve lost virtually all of my budgeting information and I’ve reached out to customer service multiple times with no response. I’m paying $40 a year, and this app is now junk. If they don’t fixed this and recover my data soon, I’m pulling the plug and budgeting elsewhere. It’s a shame, because I’ve enjoyed mvelopes for so long, and have even bragged about it to tons of people. Not anymore though...
  • V5 broken

    By Tbarnum
    Well, as if the app wasn't slow enough, you forced me to update to 5, and now it doesn't work at all. Both my wife and me are much for new and better. I am getting pretty tired of an app the barely works, crashes no stop and now won’t even let me log in.
  • 5 is just a HOT MESS!

    By samj0047
    Really liked the app until the upgrade now it’s HORRIBLE! I use it across several devices so everything is just jacked up! Very disappointed!
  • Sad Customer

    By footbul
    I’ve been using Mvelopes happily for 8 years. I would say it alone has been one of the most important tools in my wife and I’s marriage. Unfortunately, like others, this last update has completely destroyed my budget system. Customer service hasn’t been responding to my emails and there’s no way for me to fix it myself. It might be time for me to look for another solution...
  • V5 completely useless

    By 12yoyo
    I don’t know what else to say. V4 was okay but v5 doesn’t work at all. I lost my lifetime plan and it won’t let me continue past the first screen to do anything. I have to continue using v4 desktop/browser app. Mvelopes system is general is amazing and life changing. But that doesn’t matter when the technology behind it is a colossal failure.
  • Beware Mvelopes 5.0...

    By MickeyQB
    I’ve used Mvelopes for almost 10 years but the newest version is a game change in a very bad way. It represents a massive overhaul in terms of user interface plus their data transfer into the new version (from all previous ones) is HORRIBLE. And they provide virtually no support to solve your problems: a slick, 2-page transition guide with minimal info and no response to multiple email requests for help.
  • App doesn’t work - Mvelopes won’t compensate

    By KatyDianne
    Due to a BOA issue and issue with the update I have only been able to use the app (that I pay for) for 9 of the past 35 days. In every correspondence with mvelopes over the past month I’ve asked if they plan on compensating their customers for the time they were not able to use something they have paid for. No one will answer that question. As I’ve already communicated with mvelopes, every company has glitches and issues. I judge a company on how they handle those problems. MVelopes gets one star for how poorly they have handled the last 35 days.
  • Mv5 is unusable

    By jedder19
    Duplicate transactions, no way to delete them, bank feed errors, unable to edit date and amounts on funding of envelopes after entry. For the two years I used it, Mv4 was a great product that I was happy to pay for and recommend to friends. Currently finding a different solution.
  • Can't use it now that it is a pricey monthly payment

    By Summermarie84
    DO NOT UPDATE APP without writing down every single detail of your budget, envelopes, current amount in envelopes, and etc. ALL of it is erased with this new update. BE Careful!
  • Sad to go, but it’s time

    By greeleyiphone
    I used to love Mvelopes, telling all my friends about this awesome budgeting app I use. Sadly, it’s gotten worse and worse over time. It’s very buggy, which I didn’t mind so much when it was free. Now that I have to pay, I have a much lower tolerance for syncing that doesn’t often work. One of my accounts hasn’t connected in a year. Another one, two months. Not sure they’re working on that any more. After another issue where my paycheck disappeared from my income envelope, and I was assured it was being worked on but nothing changed after a few weeks, I decided to cancel. Which only made me angrier, as it is needlessly complicated to cancel. You cannot click a button that says cancel, nor can you remove your credit card information from the site (exCUSE me??). Nope. If I can sign up clicking buttons, I should be able to cancel clicking buttons. Who has time to wait half an hour for a customer service technician to do that for them? Or are they just hoping you’ll give up before you get that far? This company will not be getting my money again.
  • Not impressed

    By money organizer
    Not loving the new version. Been using it for 8 plus years at least. I’ve been through a few versions and I feel like this one has the least amount of features. I feel like I can’t manage my money as well as I used to. It isn’t as user friendly, not intuitive. I don’t like that I can’t see my checking account balance with with my pending transactions and pending bank transfers. They’ve taken all those features away.

    By JoshN5555
    Started the free version two days ago. Can’t find any way to cancel so they don’t charge me. Going to try calling but from all the recent reviews I’m not to optimistic.
  • 5 years and always paid

    By Tekkie79
    **Update 2/4/2019** Changed to 2 stars due to the botched version 5 upgrade. This thing came out of beta with limited functionality compared to the previous version. I’ve already migrated to an alternative platform. While the older version wasn’t great, it worked very well. This new version looks good but doesn’t work well at all. I use Mvelopes religiously every day. They have helped me catch many problems before they became issues. I love the new, cheaper prices as I refuse to hand over financial information and logins to any free app or service. Unlike their so called "free" competitors, Mvelopes pays their bills with my money instead of my privacy and information. When you don't pay for a product, YOU are the product. Moreover, a few bucks a month for financial stability is cheaper than an overdraft or penalty from billers and banks.
  • .

    By macattack20$
    Great when it works. A little to many glitches and technical issues for me to give it 5 stars. But love the concept and process.
  • Disappointed

    By Kkrukenb
    Switched to 5 and it’s a mess. Transition was not handled well. Submitted a tech support request days ago and was told 24 hours response time. It’s been days. Not a great way to treat paying customers. I want to like the upgrade, but it’s tarnished by the botched transition. The email from the product director today was not helpful.
  • Love the overall program, issues with app vs. online

    By ktschlott
    I love Mvelopes budgeting. The reason I gave the app 4 stars is because there are a few things the computer can’t do that the app can and vice versa, so I’m always having to switch between the two. It could be better if everything was sorted out and the versions were the same.
  • The update ruined by transaction system

    By ShonTyWill
    I am giving this three stars because this app was working really well for me. However, I updated it like a week ago and now every single transaction since the time I connected my bank account to the app is now in my inbox as if I have never assigned it to an envelope. There are transactions that I know I have assigned this month and there’s no way I’m about to go through and try to figure out which transactions I assigned and which I have not. WHAT HAPPENED!!!!!!!!
  • Constantly crashing

    By Chrispy2day
    Just downloaded and signed up for an account, but it crashes every time I try and add my primary bank accounts. I’ll try the web, but very frustrating experience on mobile.
  • Don’t waste your time.

    By Albert276
    Awful. Wouldn’t sync to my online accounts. Found it almost impossible to cancel my subscription. They kept charging me for a service I wasn’t using.
  • Used to be a loyal brand advocate

    By Ressurection Horn Section
    I’ll start by saying that this more pertains to the web application (as I don’t think my app has been updated to version 5) but since I CANNOT get through to customer service, get a call back from voicemails I’ve left, or get a reply to emails, I am desperate and hoping this gets someone’s attention. We have LOVED Mvelopes. Helped us get out of debt. We budget every month with it. Have sung it’s praises to so many. Until 2 days ago. When we were asked if we wanted to update the web version to Version 5 we thought, surely that would be an improvement? Horribly wrong. V5 is the opposite of user friendly. It feels like the web application took 10 steps backwards, making you click a billion times to get to see what used to be so easy to do before. And now we can’t sweep? Among other issues. Most disconcerting is that we’ve used the app to make changes and they are not reflected in what we are seeing in the web application. Um, sorry - same login, should that not be a mirror image of the other?! So now we don’t know what’s 100% right. And the fact I cannot get someone to address my questions live is beyond frustrating. We want to revert back to version 4 or we’ll have to find another service. Not paying a subscription for something this terribly broken.
  • Lastest update 👎🏻

    By Steve 7876
    Since the latest update - last week - I’ve been unable to load my account. In fact, the app crashes every time I attempt to load it. I can get about 30secs of use in app but all of my accounts and envelopes are gone. In addition, I keep get messages about needing to pay even tho I’ve already done so through the app. Super bummed. Used to love this app until it was acquired by finicity - been going down hill since then
  • Used to love Mvelopes.

    By mommyfixit7
    The new version doesn’t work. my app crashes when I try to open it. I uninstalled it and reinstalled it and it won’t open. I’m not sure if I like the new interface on the computer yet. I hope the app starts working quickly. I paid for a lifetime membership when customer service was available all the time. It is never open when I have time to call or chat now...
  • Version 5 Keeps Crashing

    By Dmanxuan
    I love this app and live by it. But, I just updated and now it crashes two or three seconds after entering the touch ID. I hope there is a fix soon.
  • After upgrade - all my data was lost

    By shakesomedust
    Was loving this software, but then I upgraded to the newest version, and all my data was erased. They still seem to be ironing out the bugs and modernizing their services - for example their web platform still uses Flash. Rooting for them to get their act together, but if they can’t maintain data integrity, I would be concerned about sticking with them.
  • If you want glitches, a slow app, and your budget messed up, use Mvelopes

    By Jolyman107
    The app is glitchy, slow, and doesn't always save transactions to the envelope you assigned them to. Also, they updated their app recently and it reset 100 transactions from the month of January so now my budget is off, the envelope amounts of incorrect, and I can't remember what money went where because it reset 4 weeks of data!! DON'T USE MVELOPES!!
  • Just downloaded

    By coolmomatcoolmomdotcom
    I’m excited about this app because using envelopes in real life is hard. I am currently living 100% off student loans which was kind of hard to put in so the app would understand but whatever. I have it figured out but I type things in and none of it stays. I am soooo confused! I take the time to “fund on the fly” just to go back to the envelopes and see the exact same thing as before....? It’s also only syncing some of my transactions and not all. I have only had it a few days so hopefully they are just waiting to be cleared or something (even though my actual Wells Fargo app has cleared them). I hope this all gets fixed soon because I was so excited about this!!! Everyone says the 5.0 is screwy I wish I would have gotten to it before the update :(
  • Good tool. App not working right now

    By joelfaul
    Love this app and online tool for budgeting. I converted to the new online version and updates the app but it keeps crashing on me now and not loading.
  • Not so fast . . .

    By BradleyTB
    Mvelopes is awesome, love the whole envelope budget system, but since the upgrade to v 5.0? Not so good. Mobile App no longer works, transactions or envelope funding changes on the web are not updating, system just seems to be plagued with problems, please fix because I love this program.
  • Crashing with 5 update, but usually really good

    By Hope of Glory
    This has been a really good mobile app and online application. It’s really good because it helps me plan for future transactions and budgets and not jus react to past transactions. It could be great. If it would provide real time transactions like Mint and add the ability to adjust these “pending” transactions I’d know how much is actually in my “envelopes” like a real cash envelope. Also this update has my app crashing. I’ll change this rating to a 5 when it stops crashing.
  • Version 5.0 Removed Everything!!!

    By thisismefree
    Do not upgrade to 5.0!!! I downloaded the update with the “general enhancements” and “bug fixes” and now when I log in, everything is gone! When I try to resync purchases, the app continually crashes! I’ve been a customer for years, and I pay my yearly dues, despite how expensive it is, so why do things like this keep happening? I need my info back, and I should receive some sort of credit for poor service.
  • 5.0 doesn’t work

    By benttu85
    The newest version 5.0 doesn’t work at all. Don’t download until they fix it.
  • Horrible Customer Service

    By Memphis1968
    Very poor customer service. Only means is Chat. I have been on chat for 30 minutes and rep has simply stopped responding. Used to be a good program. Everything went downhill once I became a lifetime member. No annual fee = No customer service.
  • Stupid error message restricting use of app

    By ane27
    " Error: Broadcast Message like high security to be accepted to proceed or completely stopped FI to support or Sub Accounts FI's That are Not Supported. "
  • HORRIBLE customer service.

    By Posty3x
    At first I really actually liked this app. I found something that was better and cancelled my automatic billing for mvelopes (or so I thought). After contacting them numerous times over the past couple of months and issuing a chargeback to get my money back they still continue to bill me. HORRIBLE company, even worse customer service, and I would strongly recommend that you stay far away from this app.
  • Phenomenal app, great support

    By simplylkb
    I started the free trial at the beginning of the year, and am thrilled with this app. I was a little confused with setup at the beginning, but found the support through the forums to be incredibly helpful. I did find that it was easiest to set everything up on my laptop, but since then, I’ve been using the apps on my iPad and iPhone to handle all my transactions daily. I highly recommend this app!
  • Complete waste of time

    By yophil
    What a complete waste of time. I took a shot with this app as I love the envelope concept. After downloading and agreeing to the terms and conditions I began my one month free trial period, fully prepared to maintain the subscription if I liked it. One month free didn’t last 12 hours. In the first ten minutes they hit me with a survey. Then all the budget categories were pre populated with random numbers. I assume this is to use for example purposes. Fine I’ll delete the auto populated data and fill in with my data. My budget. My numbers. After 45 minutes of set up and saving I was pretty pleased. However when I relaunched the app a few hours later my data was gone and the auto populated data had returned. Utter nonsense. Save your time and money and skip this worthless app.
  • Scam!

    By perkinscl
    I am being charged for two Mvelopes accounts I have emailed and called and no one has responded to me to get refunds and cancel these subscriptions. This company is a scam and is taking advantage of me, do not give them any of your information.
  • Crashed and burned

    By TyeBo2
    This app is awful. I could never get logged in to even try it! After 3 attempts of installing and uninstalling I gave up. But I got charged for ALL 3! It does say that it has refunded 2 of them but still - so much for a free trial!!! It cost me $3.99 to just get irritated. Too bad because it really looked like a decent app. Beware!
  • Difficult to cancel, very poor customer service.

    By Kooph429429
    I hate it. The envelope budgeting system is very simple, Mvelopes is not. It’s confusing to figure out and the only way to see the training videos is to pay more monthly. It doesn’t make sense. If I’m paying for Mvelopes why can’t I see videos on how to use Mvelopes? The importing of bank balances also didn’t work. Mvelopes said I had over $200 more in one account than I actually did. Once I canceled the subscription they kept billing me. I emailed them and was told they would not refund the money and if I wanted to cancel I’d have call them before 7pm between Monday and Friday. So what? I have to call while at work? I guess that’s how they make money on this garbage app. Make an app worth using and you don't need to con people out of their money.
  • Is a little slow to update

    By frjtjejgff
    Pry not the apps fault but can take days for transactions to show up
  • App Is Poorly Implemented

    By gdpmumin
    Update 12/18/2018: A return to Mvelopes after years away prove the app is still not usable. I can’t get past the subscription screen. Oh well. ¯\_(ツ)_/¯ I've always been a fan of the envelope budgeting system. But Mvelopes iOS app is so buggy, it isn't worth using. It crashes after matching transactions. Or after entering just a couple of manual transactions.
  • Puerto Rico Area Code not a valid U.S. phone number?

    By Silumaru
    This app will be the only financial app in the U.S. that won’t accept a (787) Puerto Rico telephone area code. Allow me to explain to the developers that Puerto Rico is a U.S. territory, and its people are U.S. citizens by birth. I live in Washington State but I’m going to keep my area code since that’s the phone number I’ve been using for more than a decade. I don’t have this problem with Mint, and it’s free.
  • Buggy

    By Collegechickie
    I was so excited to try Mvelopes but I got stuck in the subscription loop and never got to experience the app. I kept having to hit subscribe or attempt to resync the purchase just to have the app continue to crash. I want to try it but if it’s that buggy when you download it, it most likely won’t get better.
  • Plan your Finances

    By Nielsen555
    I have been looking for a software that helps in planning out where money is going ahead of time. The funding plan is one of the best features of Mvelopes. Great job!
  • Good at first, then quit helping

    By LSC758
    This was excellent when I first got it. Over the last year have had nothing but problems and when you contact support they do nothing know. I paid for a lifetime membership in beginning and now that they have my money it turns into crap! Do not pay for this!
  • Can’t add an account

    By Alex Pasiecznik
    I cannot add any bank account! I talked with Nicholas in customer service and said there was an issue with “ integration”. However he didn’t give me a time table when it would be fixed and was short with me. I love this app it really has changed my life but they need better customer service as well as an I.T team that is quicker at solving issues. Haven’t been able to do anything with my bank account activity in a week.
  • Can’t even begin

    By hhgail
    A group I was in suggested this app because the financial advisor giving lessons about budgeting loves it. I put it off but saw my student debt climbing and decided I could at least try it. I couldn’t. Went to put in my account info to connect them, and it said it was sending codes but nothing happened. I tried to reset the Mvelopes account-nothing. It’s a shame because I’ve heard it was wonderful-and to hear that from a person making a living of advising people out of thousands of dollars of debt with the help of this product and not be able to use it with a widely known bank is incredibly disappointing. I made sure to unsubscribe before it tried to charge me for a blank page.
  • Great for Household Budget

    By Weirdmusiclover
    Awesome app! My husband and I have used it to budget for several years now. The app is very user-friendly and has every feature we need. I gave it four stars because once in a a while Mvelopes has difficulty connecting to our credit cards, but the issue seems to happen less and less.
  • Half an app here, half in the browser... not a great app for a whole solution...

    By Reebootva
    Mvelopes is a fantastic take on a cash based personal finance process. I love how these folks have designed the app and product. However, the app is buggy and I expect more from something I pay a subscription to use. If you use the browser, you have no access to the credit card folder to post payments. If you use this app, your automatic assign transactions don’t assign. So this means you have to use both the app on iPhone/iPad AND the browser to use this system. It’s been over a year since I reported these bugs and the developers are happy to let them stay as is. I am loath to give 2 stars, but I don’t think a developer that leaves large bugs and charges a subscription should get off with now penalty. Id change this rating in a heartbeat if the developer addressed these and other bugs, of the app was free.