By Finicity Corporation

  • Category: Finance
  • Release Date: 2011-02-17
  • Current Version: 5.4
  • Adult Rating: 4+
  • File Size: 139.67 MB
  • Developer: Finicity Corporation
  • Compatibility: Requires iOS 9.0 or later.
Score: 4.5
From 4,664 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 -$5.99/mo or $59.99/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 - $5.99/mo - Mvelopes Basic Yearly - No Trial - $59.99/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 -



  • Good service, buggy app

    By soletoaster
    I was happy to give it 5 stars, however whenever I try to use the app it won’t start. I’m fully updated and the website is fine, but since I’m not able to use the website too often my usual go to is the app. I’ve been waiting for the app to start upwards of 5 minutes before. I’m happy to change to 5 stars but for now it’ll have to be 3 on the basis that the app needs some work
  • It used to work so well...

    By Sustaintheflame
    I’m saddened that a tool I have used for years feels like it is moving in the wrong direction. Errors, accounts not syncing, unhelpful support interactions followed by more weeks of problems not being resolved. I have tried to make it work despite all of this, but am really close to jumping ship another solution.
  • Really Outstanding App

    By ahpalen
    Mvelopes has been the single most useful tool in helping me curb my spending. I’ve got all the budget knowledge in the world but have lacked in actually following it and Mvelopes has changed that! The app is easy to use once you get past the learning curve, I’m glad I had some help navigating the budget and funding plan processes. It has a couple weird quirks like sometimes it just won’t let me finish inputting a transaction but it doesn’t happen often enough to be an issue. I love this app and would (and do!) recommend it to anyone I know.
  • Don't make same mistake as me

    By Jamfunk
    I used to use Mvelopes for budgeting & liked it. Now it requires a subscription, ok fine, but when I tried to setup my budget it won't connect to my banking account. So I contacted support and after they responded with initial follow up question they have disappeared. No replies to messages, completely ghosting me. So now I'm paying for an app that does not work & a developer who has gone AWOL.
  • Lost my trust, Don’t waste your time or $$

    By PMAusTX
    I’ve been an Mvelopes user for 10+ years and up until the most recent update to 5, it was fantastic. But ever since the update, it has been a complete disappointment and has become a waste of time. The latest update lost important features such as a running balance for each envelope. For a finance tool, why would you get rid of a running balance which helps to manage expenses? And since mid-July, the tool continues to create duplicate transactions. I’ve contacted support at least 5 times on that issue and they say they’re working on it, expect a resolution in 4-6 weeks, and in the meantime to create an envelope for those duplicate transactions which they’ll delete after I contact them again. WHAT? A budget tool has a known issue with duplicate transactions and you aren’t immediately fixing that? I have lost all trust with Mvelopes — I have no idea if my envelopes or budget is accurate any longer. That alone makes this tool pointless!!! And as others have stated, when you log into the tool you will have to manually “refresh” the inbox to get the most recent transactions. Keep in mind that to do that you’ll have to find the refresh button hidden and it’s about 3 clicks to get to it. This was a tool I bragged about for 10+ years, but now... I can’t speak about one positive thing it does. I’m in the process of switching apps because I’ve waited 5 months for these tool fixes and empty promises from the support team. :(
  • Very nice app

    By Jolyman107
    It has glitches sometime, but customer service really helps. The app is amazing and let's you customize things so that your budget is tailored to you.
  • Okay but not okay

    By Nivrisk
    I signed up back in 2016ish. Used it Constantly on my laptop to track my then minimal income/expenses and try to build myself some savings. But a year or so ago it wouldn’t connect to my bank at all. Even with the ticket things. So I switched banks thinking it was the bank. But turns out it’s the Mvelopes system that’s bad. And I guess it’s not even bad just that if I need to verify my accounts I only get one try. So if the call/text message doesn’t come through with the code I have to fill out a ticket. Seriously! How hard is it to simply make the ticket optional? Let me retry the verification as many times as I want before I decide to fill out the ticket. UPDATE: The dev team responded inadequately. They said their team can help me connect my accounts. But when i file a ticket it takes up to three months to be acted upon. Since switching to Mint my life has become way easier. My accounts always link up without a bunch of headaches.
  • Confusing and Didn’t work

    By Customer00498
    I thought was one months free but it still charged me. I tried setting it up but it wouldn’t work on my iPhone. Worked slightly on my iPad but I still had interface issues with my bank. I live overseas so I’m not sure if that was the reason for the issue. Should not have been since I bank with a major US company with a US account. Very disappointed with the interface as well. Funding envelopes was confusing and app was not self explanatory.
  • Can’t sync to accounts

    By hawkinbill
    I really loved this app for the one week it worked. Then all of a sudden it couldn’t connect to my bank. When I contacted customer service, they said my credentials stored for my bank must be wrong. Why are they suddenly wrong when I never changed them, and I could still log into my actual bank just fine? Then randomly it started working again, without me changing anything, so I thought maybe it was just a glitch. But then a couple days later, it couldn’t connect again for the same reason! I never changed my banking credentials, so why is it suddenly saying they’re wrong? I tried contacting customer service through the live chat again and waited over an hour and a half and never got a response. I tried re-entering my credentials countless times, I sent in service tickets, and the only response I ever got was that I needed to try entering my credentials again and to try the live chat. Entering the credentials again never worked because they were already right in the first place, and no one ever picked up the live chat! Again, an awesome program when it worked, but awful customer service and useless 90% of the time when it can’t connect to your bank.
  • Love it

    By Birdwatcher83
    The perfect solution for us!