By Finicity Corporation

  • Category: Finance
  • Release Date: 2011-02-17
  • Current Version: 5.3
  • Adult Rating: 4+
  • File Size: 140.01 MB
  • Developer: Finicity Corporation
  • Compatibility: Requires iOS 9.0 or later.
Score: 4.5
From 4,581 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 -



  • The iPhone App

    By godzone3
    The latest version of this app I haven’t been able to refresh my one bank account. This version is now useless to me. Contacted customer support but no help yet.
  • Clunky app

    By Awrrktz
    I like this concept for budgeting, but the desktop app, which I used most often, was clunky to use. Accounts don’t auto-refresh on opening the app, and I could not figure out how to correct a miscategorized expense in the system envelopes- throwing everything off. Also, my monthly funding profiles never loaded consistently.
  • Terrible, from a long time customer

    By scottnamo
    Been a user since way back, eventually had to switch to YNAB. Tried to come back but nothing is migrated over to version 5 and I am forced back to using the same old garbage both web and app. Way to treat those who have been long time customers. I’m in the software business, this is just juvenile management of change and service. Maybe when I can simply use the latest version I will revisit them, it for now this is just insane.
  • Buggy and out of date interface

    By cbrynt
    It doesn’t work well, consistently has bugs, and the interface is very dated.
  • Unbelievable Problems

    By hkm2467
    I used Mvelopes v4 for quite a while, but when they came out with v5, my data was messed up MAJORLY to the point where I could no longer continue using the service. A budgeting tool that loses your historical data is throughly unhelpful, but what’s worse is that the company took absolutely ZERO action to help resolve the issue. At this point in time I can no longer even access my account! They have completely ignored my request for refund and export of data. Unbelievably disappointing for a service I used to rely on for my financial well being. I cannot believe how badly they screwed up the upgrade and how horrible the customer service is.
  • App Not Working But Be Patient

    By Tonitiger7
    I gave four stars and could have given less, but I have been an Mvelopes user for many years. Right now I just upgraded to the most recent version and now the app doesn’t open at all. I’m going to give the company the benefit of the doubt and know that they are trying to work out the bugs in the program. In the meantime I just do my budgeting on my desktop. I have a lifetime membership to Mvelopes and could not live without it. So much so that I have another paid version I use for our business. Customer support has always been top notch. Be patient! I’m sure they will get the bugs worked out soon.
  • Used to be great now it’s not worth the time

    By theschaeffers4
    As I read through the other reviews I was shocked how many feel the same as I do. This app used to be great and I have been using Mvelopes for over 5 years. Ever since they switched to the Mvelopes 5 it has gone completely down hill. I have to force my accounts to refresh to get transactions to load. Now my bank account has had an error for a month so I have to load transactions manually when I’m paying for them to track my accounts. I have contacted customer support many times and spent several hours on the phone trying to fix the many issues that I have had in the last year and most of the time they only correct the issue temporarily and I have to start over the next month or they say they are working on and will contact me to let me know what the problem is and they almost never do and if the do email me it’s to let me know they are working on it and then I hear nothing until I get fed up with waiting and call them back. I don’t know why this is so hard for them but I’m done. And don’t tell me to contact customer service like I see on the other reviews already been there and done that. I gave Mvelopes plenty of time to get the new versions kinks all worked out and it’s not happening. Don’t waste your time or money! I wish I could give Mvelopes zero stars. No one in their right mind would come back to this company after seeing the lack of communication when a problem arises. It doesn’t take months to fix an issue.
  • 👍 features, 👎 value, 👎 service

    By Ngr33n
    This app could be the best. There is no other budgeting app like it. The problem is, the execution is not great: core features like envelope funding are completely broken, sync functionality is (apparently) fragile and error-prone. And on top of that, customer service is nice enough when speaking to you but the company is extremely slow to fix critical issues and doesn't follow up with status or anything. (Or maybe they do and I just wouldn't know because they *haven't fixed anything*.) Frankly I don't know why we're still paying for this; I am rapidly running out of reasons and patience.
  • Had trouble adding an account

    By Scott Seward
    I was very interested in this app until I spent an hour trying to add my chase account to the app. Each time I tried it failed, giving no reason why it failed to add my account.
  • Good concept if it worked

    By BillyJoeDalton
    Mvelopes worked great for a couple of days; then it stopped downloading my transactions from my bank. I emailed customer service and did receive a prompt answer; but they wanted me to send them a ton of information demonstrating the problem. Sorry but I subscribed in the first place to save time over manually entering everything in a spreadsheet. But compared with dealing with the glitches; the spreadsheet is faster. If they ever work out the bugs it’ll be great.