Envelope has grown tremendously this year. With an influx of new users, our infrastructure has been battle tested in every budgeting edge case under the sun. Budget 2.0 is a full rework of how budgeting works in Envelope, adding powerful new options designed to handle even the trickiest budgets. Different bill schedules, multiple paychecks, irregular expenses, and long term planning are now handled by default.
This is not a collection of small tweaks. It is a unified, more flexible budgeting system designed to carry you through 2026 and beyond.
Smarter bill schedules
Bills are no longer limited to monthly or per-paycheck.
You can now create budgets for:
Weekly and every two week bills
Every two, three, four, or six month bills
Yearly bills
Budgets can also run on the 29th, 30th, or 31st of the month, all while working in shorter months (they'll default to the last day of the month).
Your budget now follows the calendar instead of forcing you into workarounds.
Flexible auto funding
Envelopes can now fund the way your income actually arrives.
With Budget 2.0, you can:
Auto fund into the same envelope on multiple days, like the 1st and 15th
Auto fund once per year for holidays or annual expenses
Fund the same envelope from multiple paychecks with different amounts
This makes shared finances, irregular income, and long term planning simpler and more predictable.
Flexible envelopes, without extra rules
Budgets without forced frequency
Not every envelope needs a schedule. You can now set a budget amount without a frequency, which is ideal for flexible spending categories or envelopes you prefer to manage manually.
Progress without forced budgets
Envelopes no longer need a budget to show progress. Track balances and savings visually without adding structure you do not need.
Notes on envelopes
Add context, reminders, or intent directly to each envelope so your budget stays clear over time.
Improved envelope views
Use collapsed and expanded views to focus on what matters while still having access to the full picture when you need it.
One unified Budget system
Under the hood, this update simplifies everything.
Bills and Goals now live under a single Budget system with shared rules for scheduling, funding, and tracking. Whether you are paying rent, saving for a vacation, or planning for an annual expense, everything works the same way. No more wondering if your "Emergencies" envelope should be a bill or a goal.
One system. Fewer edge cases. Less mental overhead.
Built for 2026 budgeting
Budgeting 2.0 is designed to help you start the year strong.
Set up smarter schedules, automate funding, and build a budget that runs quietly in the background. Spend less time maintaining your system and more time focusing on what matters in 2026.
Update your app to get access to Budgeting 2.0 today.