Start the 100 Envelope Savings Challenge in 60 seconds. Pick a goal, fill an envelope a day, and watch your savings grow in a beautiful, customizable grid. Now with gold and silver tracking, a 75-article savings library, and 13 money calculators. Start with a 7-day free trial.
ANY SAVINGS GOAL, YOUR WAY
Run the classic 100 Envelope Challenge. Set days and an increment. Name a target and let the app work out the rest. Save a percentage of your income. Or let the amounts land at random. Six challenge types, any length you choose, in any major world currency.
YOUR SAVINGS, AT A GLANCE
Customizable grid layouts — 3 to 10 columns — let you see a full challenge on one screen. Tap a day to mark it complete. Switch between viewing days or amounts. Track as many challenges side by side as you like.
GOLD & SILVER, TRACKED PROPERLY
Save in bullion as well as cash. Log buys in grams or troy ounces, set purity from 24K to 14K or .999 to .800 silver, and add dealer premiums so your cost basis stays honest. Live spot prices value your holdings automatically, and fall back to your last logged price when you're offline. Record withdrawals, log purchases made in another currency, set weekly or monthly buy reminders, and export everything to CSV.
THE SAVINGS GUIDE
75 short articles across 9 categories, drawn from 17 books and 11 research sources — The Richest Man in Babylon, Atomic Habits, The Psychology of Money, Kakeibo, the Bank of England, the Federal Reserve. Each one reads in a few minutes, and the whole library works offline.
13 MONEY TOOLS
Savings Projection. Goal Solver. 50/30/20. Emergency Fund. Inflation. Skip It. True Cost, in hours of your life. FIRE. Debt Payoff, snowball or avalanche. The 100-Day Ramp. Plus three built for metals.
BUILD THE HABIT
Streaks keep you consistent, and a streak freeze bridges the day life gets in the way. Smart reminders know how long your streak is and nudge accordingly. One combined Stats screen brings together your streak, your net worth across cash and metals, personalized insights, and a year activity calendar. 61 achievements to unlock.
DESIGNED FOR APPLE PLATFORMS
Redesigned around Apple's Liquid Glass on iOS 26. Apple Vision Pro support. iCloud sync between iPhone, iPad and Mac. Five Home Screen and Lock Screen widgets, including combined net worth. Face ID lock. Full backup and restore. Light and Dark Mode. Built for VoiceOver and Dynamic Type throughout. Available in 8 languages.
EVERYTHING YOU GET
• Six savings challenge types, any length you choose
• Gold and silver tracking with live spot prices
• 75-article Savings Guide drawn from 17 books
• 13 money calculators
• Combined net worth: cash, gold and silver
• Streaks, streak freezes and smart reminders
• 61 achievements and detailed statistics
• Five widgets for Home Screen and Lock Screen
• Face ID app lock and backup to a file
• iCloud sync across iPhone, iPad and Mac
• Shareable progress cards
• 8 languages
• No ads
Start with a free trial, then choose monthly, 6-month or yearly. Cancel any time in Settings.
Download today and start your first envelope. Your future self will thank you.
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