Mvelopes Personal. Old-fashioned "envelopes" budget system, combined with the latest technology.
- Proactive approach - system helps you set aside money
before you spend
- Completely online: log in at home, work, anywhere with internet connection; no compatibility issues
- Monitor all accounts online; view transaction/balance information in one place
- Automatically retrieves all new transactions daily
- Online bill payment service, schedule recurring payments, set email reminders
- Mobile Access: automatically synchronizes your financial information - helps you to avoid impulse buys
- Net Worth Summary tracking - view your complete financial picture
- Create 16 different reports: cash flow, account balances, funding etc
- Secure encryption of all data, as provided by online banks and trading firms
- Unlimited live customer support via chat or email
SPECIAL NOVEMBER OFFER: Free First Month +
Free Budgeting E-Book “Money for Life” (together a $25.75 value) +
Free Budgeting E-Course
Quarterly Plan: $39.60 ($13.20/month)
1 Year Plan: $129.60 ($10.80/month)
2 Year Plan: $189.60 ($7.90/month)
By pressing the
Start Now button above you will be shown to the software supplier's site where you can
obtain the product directly from In2M.
How Does Mvelopes Personal 3.0 Compare?
Mvelopes is an online envelope budgeting system which was named one of “The 100 Best Products of 2006” by PC World magazine. It takes a different approach from most other personal finance programs in that it helps you spend money after you've earned it rather than before.
For ease of use, a guided setup helps users setup all their financial information in Mvelopes, with tutorials and an online manual provided. There's access to a community forum and a monthly online newsletter with further tips and information on getting the most out of Mvelopes and organizing finances.
Paychecks are then divided into envelope spending categories (rent, gas, groceries, savings) determined by the user. Transactions are downloaded from bank and credit card accounts (over 12,000 institutions supported) daily and as money is spent throughout the month, the corresponding envelopes decrease automatically. Once an envelope is empty spending must stop or funds can be used from another envelope, if any remaining. Balances carry over from month to month.

Users can also pay bills online. 15 payments each month are included, after that each additional payment is $0.50. Mvelopes can pay recurring bills automatically and reminders of bills due can be set up to avoid incurring further charges. If a company/individual does not accept electronic payments, the program will even print and mail checks. Users can also set automatic monthly transfers to savings accounts.
Mvelopes has a summary page view which displays Net Worth. There are also 16 available reports which can be viewed in the browser, by PDF or exported to a spreadsheet format.
Users can view all their financial information and assign transactions from anywhere with an internet connection (Mac and PC) and through mobile phone access. The system uses 128-bit secure socket layer encryption and information is stored on firewall-protected web servers.
Unlimited live customer support is available 24 hours a day, Monday-Friday, by chat or email.
Another popular envelopes-based program we recommend is YNAB (You Need A Budget). It doesn't offer access by internet/cell phone or a bill pay feature but has a number of useful extra tools for getting out of debt and is priced at $44.95. For more information, see our
YNAB Review.
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