Expense Keep: Envelope Budget

Shown for US

• Free to download
• In-app purchases

Last verified 31 Jul 2026

Shown for US

4.4 1670 ratings · App Store

1. 4/52 years in..

   Going on 2 years since I’ve downloaded this Expense Keep and I’ve slowly became obsessed with tracking my expenses and budgeting. Similar to the other budget apps, they allow you to manually input your expenses and incomes (as well as set up reoccurring expenses and incomes), shows you a chart and breakdown of what you’re spending, and allows you to set up multiple “accounts” to track your expenses for the accounts that you personally have. But what I like more about Expense Keep is the ease of use. I’ve tried Fugdet, Mint, and the other free budget apps, and they were too confusing to use and either wouldn’t let you put expenses in manually or as a reoccurrence. Couple of downsides. The other apps had a way for you to set a budget for each category you choose and monitor how much you are spending in those categories. Expense Keep does not do that. Also, some apps allow you to put in all of your expected expenses and incomes for the future and see where you’re finances would be towards the end of the month (or next month), this app doesn’t do that as well. Lastly, other apps that I’ve tried includes a monthly calendar that shows your scheduled bills and paychecks. Expense Keep doesn’t have that either. Still some areas of growth, but overall, Expense Keep is easier to use and has a much cleaner look (which makes it better to budget)

   Amara Amara · 31 Jul 2026

2. 4/5Pretty good

   This app is pretty simple to use and serves all basic budgeting needs. You can create multiple "accounts," which I use as if they were envelopes of cash that I'm allowed to spend for each category, but you could also use them to signify actual bank accounts. The process of adding a regular paycheck, bills, and money you've spent or received is all very easy. Only problems I've run into are: 1. No ability to create a recurring paycheck on customized dates TWICE a month (the only semi-monthly option is 1st and 15th) and 2. It is difficult to find how to manually set an account to a certain amount if you've made a mistake or something. Also, there's no way I've found to reset your "unallocated" funds to a specific amount (or to zero). Otherwise, though, it's very nice because you aren't limited to a certain number of accounts or spending categories, and there's no registration required to set it up (as far as I remember). It's a good, basic app for keeping track of a simple budget and spending.

   Staplesque · 31 Jul 2026

3. 4/5More features needed

   Overall a solid start. The app does what I want for manually tracking expenses. Saves me a hell of a time coding my own. I wish I could change the currency symbol. Im in China so it looks like I paid $1,800 USD for rent this month when actually given the currency exchange rate it is more like $270. As well the default colors for the pie chart aren’t my favorite. No errors for me yet and the app is fast so I can easily add purchases right after making them. Really good design. Just open the app and hit the plus button. Overall, I feel it is just missed some added customization. Money is a very personal matter for many, I think this app could improve a great deal by adding more personalization. I would go for the premium version if it had some of these other options for customization, but for now I don’t think the packaged features are worth it. The free version works very well and the premium version doesn’t add anything that I would want. Also I think the accounts setup is a little funny and out of place. It requires you manually add in your account balances. I could see that as more fitting for a financial tool like Mint, but it seems out of place for this app. It is an expense tracker, but that aspect makes it seem more like a budget/balance checking tool. I know a lot of hard work went into making this and it is exactly what I was looking for. I hope you all are continuing to develop and add more features.

   EthanDevInChina · 31 Jul 2026

4. 4/5Just what i needed

   I haven’t filled out a check register in years, and i had a manual method to track my spending on the family credit card, but i wanted something i could put right in my phone at the time of the purchase. PROS: This app is basic in a good way, it doesn’t require all the legwork initial set up/ programming and fees and updates of something like Quicken, plus i only wanted to track MY spending on the cc so i knew when i hit my own spending limit goal. This delivers! I’m able to add up expenses in the cc (used by the family) and deduct spending on the debit card (my personal account) and the family checking account (house bills). i like that i can create categories, too! CONS: a bit too limited, only 3 accounts allowed, only a few repeat monthly expenses allowed without upgrading to a subscription like Quicken, but i made a work around to suit my end goal. Overall very happy with what this app does and doesn’t do!

   LM01899 · 31 Jul 2026

5. 4/5Great basic budgeting tool

   I am just starting to be more diligent managing my money. I tried a couple of other apps and didn’t like they way they had things set up. This app is very simple and straightforward. It is quick and easy to use and so I find I am using it and it has helped me with my financial plan. I do wish they had better icons for the types of expenses. The one for kids is a baby bottle and my kids are past that stage. But that is a small thing and does not affect the functionality of the app. But if they would give us some better icon options I would be very happy. I initially selected this app because it does not have a lot of extra bells and whistles making things complicated. But now that I am farther into using it and am getting very addicted to tracking my every penny I think I would like a few more extras.

   Mltri · 31 Jul 2026

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