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.