By Finicity Corporation

  • Category: Finance
  • Release Date: 2011-02-17
  • Current Version: 5.7
  • Adult Rating: 4+
  • File Size: 172.08 MB
  • Developer: Finicity Corporation
  • Compatibility: iOS 9.0+
Score: 4.5
From 4,871 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 -


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Used to love it

I can no longer waste my time trying to get this program to work. It has been glitchy since rolling out v5. I’ve never been able to use the new version. They keep making me reload v4, which obviously gets no support. The submitted service tickets seem to be lost in cyberspace. Today, the program is barely functioning, and the app is completely useless. I’m canceling my account and forfeiting my last three months of premium membership. Wish they would have left v4 alone!
By esseyaich

Guess they caved to the pay-as-you-go games

Wow...I guess I they should have made a 26th envelope for the free plan for budgeting a monthly fee for Finicity! I HAVE BEEN a loyal follower of a buggy, laggy, horrid-customer service, financial software that still has the best idea around. None of the others have quite the layout or auto-bank checking type of app one would expect. I have foregone a review as I never give free software a review. But this is ridiculous, now I am wishing I had gotten the life membership when it was like $50...but the free option was so tempting. I hope that many of us join up and give them the rating they deserve after killing the free app. I could have lived with a once-and-done payment of $5 or something. If anyone else has a good alternative that can check your bank account and provide quick/easy assigning please let us know! Update: 2/13/2020 So, here is my update after bouncing around trying to find an app that is worthwhile to manage my money. There isn’t one. Tried YNAB, they have a wonky system. Came back here to the paying system....and here are my thoughts after years of using just continues to go downhill. Used to be free!!! Used to have phone support!!...That went away. Then we had chaat support that was passable. Now they have taken that away! :(. My last email to support has been over 3 months and NO ANSWER! Issues with they system: 1. Duplicate transactions out the wahoo! 2. You can’t delete them...I used to be able to get chat support to do so...but now..I can’t get anyone to help. 3. Support is HORRENDOUS! 4. iOS budget funding has a does not work like on a PC 5. No reconciling...mixed bag on that. Still a 1 star, but that is better than most..Other deserve negative stars.
By Packtramp

Don’t bother

I’ve been using this system for 10+ years and I’d give it zero stars if that were an option. Can’t get the app to work and the web version works about 10% of the time.
By long time mvelopes user

A former good app - can’t recommend now.

Dropping to one star as it’s been months now with no progress on any of their numerous very bad bugs. Been a user for nearly a decade but they botched their upgrade to v5 and lost so many features and have so many bugs that I can no longer recommend this app and have begun looking for a replacement myself. A sad situation for a formerly great app.
By Cz Slinger


This app was recommended to me and before I started using it, I recommended it to others because I love the idea of it. But since I set it up a couple of weeks ago I’ve had nothing but difficulty. I took almost an entire work day to set it up, but I haven’t been able to get it to work properly since then, and customer service is a joke. I just got a response to a question I asked over a week ago, and the response was that it will take a couple of weeks to look into it! Since that question I’ve had half a dozen others. I thought maybe I just wasn’t able to figure things out, but then I saw in reviews others have the same problems I’ve been having. I was really hoping to be able to fix the problems since I put in so much time setting it up, but if customer service is this bad, I think I’m better off using a different app.
By nang1e

Do NOT get Mvelopes Servic!

I have had Mvelopes for just under 5 years. It was great at first then they stopped supporting the app. They tried to launch v5 but it does not work correctly. Now it is flat out broke, it does not even work, it will not update my accounts. What good is a budgeting app that does not have any new financial information? I used to be able to get support with a live chat when I had syncing issues. Niw they took that away. I have called, emailed and submitted tickes for 9 days now and Mvelopes has yet to respond. This is a terrible service. It used to be great. I am cancel my subscription :/ severely disappointed
By TimRiley2525

It’s broken, and I’m nervous

The app stopped working altogether for my wife and me a few weeks ago. We get stuck in this login/sign up loop even though we’ve had an active paid account for a year. Something with the upgrade isn’t working. I’m closing the account (the crappy desktop interface still works) and deleting the app. Haven’t found a good replacement unfortunately, Mvelopes was great before.
By allgood thanks

Don’t Bother Paying Too Many Bugs and NO Support

There are so many bugs, and although I have contacted support any way possible, I get no reply. The idea behind the envelopes is a good one, but if I cannot even access the account I am paying for, what is the point? I would not in good consciousness suggest this app to anybody. Look elsewhere if you’re wanting a useable budgeting app!
By MaryM1205

No longer great

I’ve been using this tool for 2 years now. I loved it at first! It made budgeting easy. There were awesome features available like the funding profiles that made it easy to allocate your paychecks into all your envelopes. Sadly, they started doing the forced update of mvelopes 5 and it’s been terrible from the start. They weren’t ready to roll out the update and had to immediately offer a beta test version of the old version. This was no long term solution, yet it’s been this way for the better part of a year. I’ve stuck with them, hoping they could get everything fixed. It’s been so frustrating because they force the updates and everything gets messed up. I can’t rely on my budget through them any more. My budget seemed okay this morning and when I tried to enter an expense this afternoon, they had done it again. They forced an update and now everything is messed up. The system no longer has my bank accounts synced. A dozen or more past expenses, which I had already allocated, came back into my inbox and my envelopes don’t look the same as they were this morning. I started looking at other budgeting tool at different points of peek frustration with them. Its time to fully make the switch to something else. I’m paying for this budgeting tool and it’s not serving it’s purpose. There’s no good reason for it to take this long to fix the problems. They had a well running app a year ago. I’m disappointed.
By Ishaffer22

No stars on this review! But they make you give them one.

I used to absolutely love this app. It had everything I wanted in a budget app. I loved that it had the register balance and the online balance. You could put future/pending transactions in and would know how much money would be left. Then version5 happened!!! All of a sudden the register balance was gone!! What??? After a week or so of back and forth chatting they suggested test flight and going to version 4. I did this and it was working great until 3 weeks ago. I couldn’t get on the app, spent at least 4 times chatting and they kept telling me they were sorry and would personally escalate my ticket. I was told to go to the web version for now, but that has issues too. It wouldn’t sync my bank accounts. Besides, who wants to do all banking on the computer when I used to be able to everything on my phone? So frustrating.... they just debited my account for the month. Really??? If you know you have issues, you shouldn’t be charging people!
By Bublycherry


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