Mvelopes - Budgeting App

Mvelopes - Budgeting App

By Finicity Corporation

  • Category: Finance
  • Release Date: 2011-02-17
  • Current Version: 3.0.9
  • Adult Rating: 4+
  • File Size: 129.51 MB
  • Developer: Finicity Corporation
  • Compatibility: Requires iOS 8.0 or later.
Score: 4.5
From 2,409 Ratings


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




  • Horrible account integrations

    By RixDavis
    Good system for managing money but the account integrations are horrible. It does not accurately pull my data. If I can’t trust the data, how can I use this as a management tool?
  • No help at all.

    By Mewrfargeas
    I recently synced my accounts and the numbers are right... Except they are negative amounts. The app thinks I don’t have funding and I haven’t been able to do anything with it. A waste of time. Luckily, I’m still on the “Free Trial”. But I’m getting no effective usage at all so I’m deleting. I’ll buy real envelopes.
  • Lifesaver

    By scotts0rensen
    I’ve been an Mvelopes user since 2010. My wife and I have mostly used the web app, but have recently been trying the mobile app to make sure we keep to the plan. One of my favorite features of Mvelopes is the credit card support. We can use our credit card and earn rewards, and it feels like using cash. It works because I don’t care what’s in my actual accounts (visa, savings, checking..... I only care about what’s in an envelope and everything works out.
  • Love it!!

    By Lizzie2746&&$$
    Organizes my finances so i know exactly where i stand. All of my expenses are categorized and it’s easy to move money from one envelope to another if things change. Each week i fund them from my profile which can also be adjusted. Had a problem connecting to my bank one time and they fixed it quickly.
  • Customer support horrible

    By Sarah'sScott
    I have been a long time user of mvelopes and love the concept. However, the app is often slow and ones accounts don't show up, making it impossible to have the transactions to be downloaded. I have spoken to customer service several times and promised a fix, but it still hasn't happened. Don't spend any money on this app until they can get their act together!
  • Beware - can’t cancel the free membership!!

    By jkreuze
    I signed up for this app because of how easy it said the trial membership was. Once the app was downloaded and my information entered, there is no way to easily cancel the account. The website tells me I can only cancel from my phone but the app on my phone will only allow me to change to a different paid subscription. This app is definitely not worth the hassle it’s already caused and I still have no idea how to cancel.
  • It has potential but isn't there yet

    By swanbizzle
    Mvelopes could be a great software for budgeting when it actually works. It is way more advanced than most budgeting applications available. With that said, I have a Capital One Visa card and Mvelopes is not great when it comes to updating transactions. It is usually several days late and this can defeat the purpose of the application since I can't see what the actual status of my individual envelopes are. I understand that this is a security setting established by capital one but Mint is able to see pending transactions that were done just moments before without any trouble. Mvelopes has some major catching up to do in that department. Some others have written that they cancelled their service and then continued to be charged for the service. I had the thought "that's probably just one person." Sadly, this has happened to me too and it has been very frustrating. Maybe one day Mvelopes will be the gold standard for individual budgeting but they have a long way to go before that happens.
  • Continual crashes

    By MTLongson
    Latest update keeps crashing.
  • Mobile app is great; web app needs an upgrade

    By Gerryster
    I moved from YNAB to Mvelopes about 15 days ago and am happy so far. One feature that I miss is the place tagging to auto suggest payees based on my current location. I am very happy about the Touch ID support. Now Mvelopes needs to rewrite the web UI. The current flash based UI is painful because it lacks find in page support. Also, entering new transactions is frustrating because the envelope selection drop down is tiny and lacks intuitive keyboard searching. The user experience of the web application is akin to a 1990’s Microsoft Business application as apposed to a modern web application .
  • Horrible Customer Service

    By OrangeBlossomCrew
    I am beyond disappointed in this app and the company behind it. I had heard wonderful things about it from a trusted friend and decided to give the free trial a go. Things got insanely busy and figuring out a new way of keeping financial records was not working, so I decided to cancel my account for the time, in hopes of signing back up in a few months. Cancelling my account was a nightmare. It cannot be done online. I tried email and was told I had to use online chat. I tried that and lost the connection after being passed around. I finally got the account cancelled after tremendous amounts of run around, just to log into my iTunes account today and find that I am still being charged the monthly fee, despite my cancellation letter from almost a month ago. Of course, I can’t get ahold of Mvelopes or their parent company to fix this issue. In this day and age, it should not take this much time, effort and frustration to cancel an account. Originally I had planned to come back and try this app again when I had time to rework the way I do our finances. Now, I have zero intention of having anything to do with this app or company, ever again.