Envelope is a Summer 2023 YC iPhone app for envelope budgeting with built-in checking and debit cards.

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Envelope is a Summer 2023 Y Combinator company that makes an iPhone budgeting app with built-in checking and debit cards. The app is aimed at people who want to plan with the money they actually have, using digital envelopes for bills, groceries, savings, and other spending instead of only reviewing transactions after the fact. Envelope says it is a fintech company, not a bank, and that banking services are provided by Pacific West Bank, Member FDIC. ( ycombinator.com ; envelopebudgeting.com )

On its website and App Store listing, Envelope describes a budgeting system where users can create unlimited envelopes, move money between them, and assign card or ACH transactions to the right bucket. The app also surfaces spending insights and visual charts, and it includes joint or individual account setups for people budgeting solo or with a partner.…