Envelope Money ✉️ Gamified wealth building through digital cash envelopes

We make good financial behavior fun, measurable and addicting.

TLDR We're a gamified consumer banking platform with built-in envelope budgeting and wealth management. We’ve processed over $20M in transactions, surpassed over $1.5M in active deposits, and reached break-even profitability in our closed alpha round.


Saving, investing, and meeting wealth milestones are critical for good financial health, but are often boring or stress-inducing. It doesn’t pack the same dopamine punch as 2% cash back. This leaves us with a gaping disparity between the average total consumer debt of $101,915 and the 63 percent of Americans who don't have enough saved to cover a $500 financial setback.

We— @Josh Cockrell Strobel and @Katelyn Strobel— run a 75K+ subscriber YouTube channel, and have vlogged our personal finance journey as a couple in Silicon Valley. We were constantly getting asked which tools we recommended for managing our finances. At that point, we had tried everything and were frustrated with the existing solutions. We had nothing we could confidently recommend.

So, we decided to use our backgrounds in consumer fintech (Katelyn worked on marketing projects for Apple Card, Acorns, and Digit, and Josh worked as a programmer on the Robinhood & Twitter iOS apps) to create our ideal wealth management platform.


We make good financial behavior fun, measurable, and addicting.

Through our banking partners*, our app employs an FDIC-insured checking account and Visa card to serve as the central hub of your finances, and our budgeting features and analytics gamify the experience by aligning you with your dream financial life. We facilitate all of this through a digital “cash” envelopes system, custom goals, and tailored analytics.


  • Make a demo account in our iOS App. (And share feedback with us at admin@envelopemoney.com)
  • Join our founding beta round at www.envelopemoney.com. We are sending out 2K account invites this month!
  • Leave us a ⭐⭐⭐⭐⭐ review on the App Store.
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*Banking services provided by Envelope Money, Inc.’s partner banks, Members FDIC. Card Services are issued by Envelope Money, Inc.’s partner banks, pursuant to a license from Visa.