Best Cash Envelope System Wallets

11 Best Cash Envelope System Wallets for Budgeting

Have you started using the cash envelope budgeting method, but need a way to take it with you? These cash envelope system wallets will help you do just that.

Instead of leaving your envelopes in your kitchen, these wallets provide an organized solution for you to take them with you to keep your budget on track.

And there are several stylish wallets and clutches available with many different options like RFID protection, waterproof options, and several envelope options.

If you love using cash and sticking to your budget on the go, you'll find the perfect stylish and affordable cash envelope system wallet below!

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11 Best Cash Envelope System Wallets

Here are our top picks for envelope budgeting wallets for women. We've included a bonus pick below for men, and some additional envelope budgeting accessories to make this system work for you.

Additionally, when buying a cash envelope wallet, keep in mind they can be on the larger size. So the size of each wallet is included in the descriptions below to help you out.

1. Soligt All-in-One Cash Envelope Wallet

q? encoding=UTF8&ASIN=B07RHHB37Q&Format= SL250 &ID=AsinImage&MarketPlace=US&ServiceVersion=20070822&WS=1&tag=craftydollar 20&language=en US 11 Best Cash Envelope System Wallets for BudgetingSolight All-in-One Cash Envelope Wallet

The Soligt All-in-One Cash Envelope Wallet contains everything you need to get started with envelope budgeting. The package includes:

  • Stylish cash wallet with smooth zipper enclosure
  • 12 budgeting envelopes
  • 12 budget tracking sheets
  • Binder note to keep organized

This wallet is made of scratch-resistant leather and has 12 card slots, two coupon slots, two bill compartments, a large pocket to fit the binder note, and a zippered pocket for coins. It is available in red or black.

The budget envelopes are laminate coated, and each one has a unique pattern for easy identification and a label area to note the budget category.

And the envelopes are hole punched to keep your cash envelopes secured in the binder note.

Additionally, the budget tracker sheets help you monitor and control your spending in each category.

The Soligt All-in-One Cash Envelope Wallet measures 8.27″ x 4.92″ x 0.98″.

2. Bella Taylor Cash System Wallet

q? encoding=UTF8&ASIN=B07WL7TT4C&Format= SL250 &ID=AsinImage&MarketPlace=US&ServiceVersion=20070822&WS=1&tag=craftydollar 20&language=en US 11 Best Cash Envelope System Wallets for BudgetingBella Taylor Cash System Wallet

The Bella Taylor Cash System Wallet uses cash envelope slots instead of actual envelopes to hold each budget category's cash.

This wallet has a microfiber fabric that is available in several patterns. Additional features include:

  • 8 cash envelope slots with tabs (includes pre-printed labels)
  • 6 card slots
  • 2 extra slots (for cash, checkbook, budget sheets, or coupons)
  • Exterior zippered coin pocket
  • Antique pewter hardware with turn-lock closure

People find having the slots for each category is more sturdy and durable than using individual envelopes.

And while it only has slots for six cards, you shouldn't need that many if you are using the cash envelope system.

The Bella Taylor Cash System Wallet measures 7.6″ x 4.25″ x 1.4″.

3. Saveyon Slim Budget Envelopes Wallet

q? encoding=UTF8&ASIN=B0829LWTM3&Format= SL250 &ID=AsinImage&MarketPlace=US&ServiceVersion=20070822&WS=1&tag=craftydollar 20&language=en US 11 Best Cash Envelope System Wallets for BudgetingSaveyon Slim Budget Envelopes Wallet

The Saveyon Slim Budget Envelopes Wallet uses plastic tabbed envelopes for each budget category.

This wallet is made of PU leather and has an expandable envelope and cash pocket. Additional features include:

  • 6 plastic-tabbed, tear-resistant, horizontal budget envelopes
  • 8 card slots
    • 3 RFID blocking slots for identity protection
  • 2 other slots
  • Internal zippered change pocket
  • Removable wristlet

Additionally, 12 budget tracking sheets and a yearly budget sheet are included to help track your finances and meet your goals.

The Saveyon Slim Budget Envelopes Wallet measures 7.875″ x 4″ x 1″.

4. Expanded Horizons RFID Blocking Cash Envelope Wallet

q? encoding=UTF8&ASIN=B07P9H7KBT&Format= SL250 &ID=AsinImage&MarketPlace=US&ServiceVersion=20070822&WS=1&tag=craftydollar 20&language=en US 11 Best Cash Envelope System Wallets for BudgetingExpanded Horizons RFID Blocking Cash Envelope Wallet

The Expanded Horizons Cash Envelope Wallet has 10 expanding (accordion style) dividers for each budget category.

This wallet is made of a high-strength PVC compound with leather trim. Additional features include:

  • 10 cash-category dividers with reinforced stitching
  • 4 card slots with RFID blocking technology
  • 2 ID slots
  • Checkbook holder
  • Internal zippered coin pocket
  • Unisex design

The expandable envelope system has a zippered enclosure. And the checkbook and card slot section is secured by a button closure.

The Expanded Horizons Cash Envelope Wallet measures 7.5″ x 4″ x 1.5″.

5. With You All-in-One Cash Budget Envelope System Wallet

q? encoding=UTF8&ASIN=B085X1KPDV&Format= SL250 &ID=AsinImage&MarketPlace=US&ServiceVersion=20070822&WS=1&tag=craftydollar 20&language=en US 11 Best Cash Envelope System Wallets for BudgetingWith You All-in-One Cash Budget Envelope System Wallet

The With You All-in-One Cash Budget Envelope System Wallet uses horizontal, laminated envelopes for each budget category.

This wallet is made of high-quality PU leather and includes a cross-body strap and a wristlet. Additional features include:

  • A binder that supports up to 8 cash envelopes
  • 12 card slots
  • 2 ID slots
  • 12 envelopes and 12 budget sheets
  • Internal zippered coin pocket

The wallet has a modern design and has a secure magnetic closure button. Available in black and light blue.

The With You All-in-One Cash Budget Envelope System Wallet measures 8.3″ x 4.7″ x 1.6″.

6. rnairni Cash Envelopes Wallet Finances Organizer

q? encoding=UTF8&ASIN=B07YV1RGFM&Format= SL250 &ID=AsinImage&MarketPlace=US&ServiceVersion=20070822&WS=1&tag=craftydollar 20&language=en US 11 Best Cash Envelope System Wallets for BudgetingRnairni Cash Envelopes Wallet Finances Organizer

The rnairni Cash Envelopes Wallet Finances Organizer uses horizontal, laminated envelopes for each budget category.

This wallet is made of high-quality PU leather and includes a detachable wrist strap. Additional features include:

  • Binder envelope system
  • 12 credit card slots
  • 2 ID slots
  • 2 additional bill compartments
  • Coupon slot
  • 12 envelopes and 12 budget sheets
  • Internal zippered coin pocket
  • Exterior storage button pocket (fits most phones or your passport)

The wallet has a modern design and has a smooth zipper closure.

The rnairni Cash Envelopes Wallet Finances Organizer measures 8.3″ x 4.8″ x 1.58″.

7. Divvy Up The Savvy Spender Clutch Wallet

q? encoding=UTF8&ASIN=B0742L2BBR&Format= SL250 &ID=AsinImage&MarketPlace=US&ServiceVersion=20070822&WS=1&tag=craftydollar 20&language=en US 11 Best Cash Envelope System Wallets for BudgetingDivvy Up The Savvy Spender Wallet

The Divvy Up The Savvy Spender Clutch Wallet uses different colored magnetic cash envelopes for each budget category.

This wallet is a large foldover budgeting clutch wallet and is big enough to carry most phones. Additional features include:

  • 5 magnetic cash envelopes
    • Can fit up to 10 envelopes (more are available here)
  • 12 credit card slots
  • 2 long pockets
  • Zipper pouch

The cash envelopes are made of fabric, have magnetic closures that keep them in a neat stack, and includes 12 adhesive labels.

The Divvy Up The Savvy Spender Clutch Wallet measures 8.5″ x 4.5″ x 1″.

8. Divvy Up Great Divide Cash System Wallet

q? encoding=UTF8&ASIN=B074MFZSR7&Format= SL250 &ID=AsinImage&MarketPlace=US&ServiceVersion=20070822&WS=1&tag=craftydollar 20&language=en US 11 Best Cash Envelope System Wallets for BudgetingDivvy Up Great Divide Cash System Wallet

The Divvy Up Great Divide Cash System Wallet uses different colored magnetic cash envelopes, like The Savvy Spender, for each budget category.

Features include:

  • 5 magnetic cash envelopes
  • 12 credit card slots
  • 2 extra storage pockets
  • Internal zippered coin pocket

The cash envelopes are made of fabric, have magnetic closures that keep them in a neat stack, and includes 12 adhesive labels. The wallet has a zip-around closure.

The Divvy Up Great Divide Cash System Wallet measures 8.5″ x 5.25″ x 1.5″.

9. NASUM Cash Budget Envelope Wallet

q? encoding=UTF8&ASIN=B07ZV6L1Y2&Format= SL250 &ID=AsinImage&MarketPlace=US&ServiceVersion=20070822&WS=1&tag=craftydollar 20&language=en US 11 Best Cash Envelope System Wallets for BudgetingNASUM Cash Budget Envelope Wallet

The NASUM Cash Budget Envelope Wallet uses different colored envelopes to help categorize your budget.

This wallet is made of high-quality leather and is waterproof and wear-resistant. It has a simple design but is pretty versatile.

Features include:

  • 14 credit card slots
  • 2 large bill compartments
  • 1 outside pocket
  • 12 envelopes and budget tracking sheets
  • Internal zipper pocket

The exterior pocket is large enough to hold a phone.

The NASUM Cash Budget Envelope Wallet measures 8.66″ x 4.73″ x 1.5″.

10. Itslife Big Fat Leather Wallet Clutch Organizer

q? encoding=UTF8&ASIN=B074343D9M&Format= SL250 &ID=AsinImage&MarketPlace=US&ServiceVersion=20070822&WS=1&tag=craftydollar 20&language=en US 11 Best Cash Envelope System Wallets for BudgetingItslife Big Fat Leather Wallet Clutch Organizer

The Itslife Big Fat Leather Wallet Clutch Organizer isn't explicitly designed as an envelope system wallet. However, it has plenty of space to support converting it into one.

This wallet is made of full-grain leather and is available in over ten different colors.

Features include:

  • 19 credit card slots
  • RFID blocking technology to protect all cards
  • 1 ID window
  • 1 passport pocket – big enough for 2-3 passports
  • Removable checkbook cover
  • Exterior zippered pocket with two additional pockets and a zippered coin pocket

This handmade wallet can also hold your phone in the exterior pocket.

The Itslife Big Fat Leather Wallet Clutch Organizer measures 7.8″ x 4.5″ x 1.5″.

11. Nautica Money Manager Women’s Wallet Clutch Organizer

q? encoding=UTF8&ASIN=B07FK3FHCX&Format= SL250 &ID=AsinImage&MarketPlace=US&ServiceVersion=20070822&WS=1&tag=craftydollar 20&language=en US 11 Best Cash Envelope System Wallets for BudgetingNautica Money Manager Women’s Wallet Clutch Organizer

The Nautica Money Manager Women’s Wallet Clutch Organizer also isn't designed specifically as an envelope system wallet. However, it is large enough to support converting it into one.

This wallet is made of vegan leather and is available in several colors.

Features include:

  • 14 credit card slots
  • RFID blocking technology to protect all cards
  • 2 interior picture ID slots
  • 2 Horizontal pockets
  • Interior accordion-style filing system
  • Internal zipper pocket
  • Zippered coin pocket on the back

The wallet can also hold your phone, checkbook, and passport. The wallet includes a foldover design with a snap closure.

The Nautica Money Manager Women’s Wallet Clutch Organizer measures 7.5″ x 4″ x 1.25″.

Envelope Budgeting Wallet Options for Men

While there are several options for envelope budget wallets for women, there aren't many for men.

Guess they just aren't into budgeting like women are, or just don't need many options to choose from.

Regardless, if you are looking for an option for that man in your life to help them keep track of their spending, the Expanded Horizons and rnairni envelope system wallets above may work.

Or, a long, classy wallet like the one below is an excellent choice.

HISCOW Long Wallet

q? encoding=UTF8&ASIN=B0146PNVEG&Format= SL250 &ID=AsinImage&MarketPlace=US&ServiceVersion=20070822&WS=1&tag=craftydollar 20&language=en US 11 Best Cash Envelope System Wallets for BudgetingHISCOW Long Wallet

The HISCOW Long Wallet isn't designed as an envelope system wallet. However, it has two large compartments for cash that could be used to hold envelopes for budgeting.

This wallet is made of Italian full-grain calfskin and has a zipper around design.

Features include:

  • 8 credit card slots
  • 2 large cash compartments
  • 2 additional compartments for receipts
  • Handmade in Italy

The wallet can also hold your phone.

The HISCOW Long Wallet measures 7.87″ x 3.74″ x 1.1″.

Cash Envelope System Accessories

Whether you need different or more envelopes or a budgeting book, here are a few accessories to assist you with cash envelope budgeting.

Budgeting Envelopes

Clever Fox Cash Envelopes for Budget System

q? encoding=UTF8&ASIN=B07V44H4C7&Format= SL250 &ID=AsinImage&MarketPlace=US&ServiceVersion=20070822&WS=1&tag=craftydollar 20&language=en US 11 Best Cash Envelope System Wallets for BudgetingClever Fox Cash Envelopes for Budget System

These Clever Fox Cash Envelopes are an excellent choice if you want to replace the envelopes in your envelope system wallet or as a standalone envelope system.

This package includes 12 envelopes, 12 budget sheets, and a zippered carry pouch.

These budget envelopes are made of TYVEK. They are tear-resistant, waterproof, and long-lasting. Each envelope has a unique color to make identifying different budget categories simple.

The budget sheets help keep a detailed track of your cash flow for each category. Additionally, a quick start guide and annual summary sheet are included.

This package is a ready-made cash envelope system on its own, but it can be used with several envelope system wallets as well as other wallets that are big enough to hold them.

The Clever Fox Cash Envelopes are 6.7″ x 3.3″.

Divvy Up Magnetic Cash Budgeting Envelopes

q? encoding=UTF8&ASIN=B07G1C6KQH&Format= SL250 &ID=AsinImage&MarketPlace=US&ServiceVersion=20070822&WS=1&tag=craftydollar 20&language=en US 11 Best Cash Envelope System Wallets for BudgetingDivvy Up Magnetic Cash Budgeting Envelopes

These Divvy Up Magnetic Cash Budgeting Envelopes are another excellent choice to replace (or add to) the envelopes in your envelope system wallet or as a standalone envelope system.

This package includes five magnetic fabric envelopes of different colors.

There are also five different color options available. This is useful if you buy multiple sets, so you don't have duplicate envelopes of the same color.

There are 12 adhesive labels included to label your envelopes.

The envelopes have a small magnetized closure, and the envelopes snap together using the magnets that keep them closed.

The Divvy Up Magnetic Cash Budgeting Envelopes are 7″ x 3.5″.

Cash Envelope Budgeting Book

A budgeting book can help create a complete financial plan that you use along with your cash envelopes.

Also read: Best Budget Planners to Organize Your Finances

Clever Fox Budget Book 2.0

q? encoding=UTF8&ASIN=B081FC4D2Y&Format= SL250 &ID=AsinImage&MarketPlace=US&ServiceVersion=20070822&WS=1&tag=craftydollar 20&language=en US 11 Best Cash Envelope System Wallets for BudgetingClever Fox Budget Book 2.0

The Clever Fox Budget Book is a monthly budget planner that helps you track your spending and bills.

It can help you reduce your debt, save more money, and meet your other financial goals.

This budgeting notebook is made of PU leather and has an elastic band. Additionally, it has an accordion pocket for bills and receipts, a bookmark, and a sticker sheet to help highlight entries.

The Clever Fox Budget Book is 7.7″ x 5.3″. The portable size makes it perfect for helping you stay on top of your personal finances on the go.

Common Questions About Cash Envelope Budgeting

If you aren't familiar with envelope budgeting or want to learn a bit more, here are some of the most common questions asked.

Additionally, The Balance has an excellent overview of the envelope budgeting method.

What is an envelope wallet?

An envelope wallet is a wallet designed to make the cash envelope method portable. These wallets typically have partitions or binders that separate cash or cash envelopes into their respective budget category.

What is the cash envelope system?

The cash envelope system divides your monthly income into individual budget categories.

As you spend money throughout the month in a specific category, you remove cash from its respective envelope. Once the envelope is empty, you don't spend any additional money for the month in that category.

This method helps prevent overspending and helps ensure you spend your money with intention.

How do you start the envelope system?

To begin using the cash envelope system, you need to evaluate your spending. Once you understand your expenses and where you may have spending issues, you establish categories with individual budgets assigned to them.

What are the categories of the envelope system?

There are no set categories for the envelope system. However, some categories are common for most people.

Below are several of the common categories, as well as other category ideas you may wish to consider, for the cash envelope budgeting system. Subcategories can be considered as separate categories if desired.

  • Housing
    • Rent/mortgage
    • Home insurance
    • Property taxes
    • Home repair
    • Utilities
      • Electricity
      • Gas
      • Water
      • Phone
      • Cell phone
      • Internet
  • Transportation
    • Car payments
    • Auto insurance
    • Gas
    • Parking
    • Auto maintenance
    • Public transportation
  • Groceries
  • Medical
    • Medical/dental/vision insurance
    • Medications
  • Dining out
  • Entertainment
    • Streaming services/cable
    • Movies
    • Sporting events
    • Concerts
    • Recreation
  • Personal spending
    • Clothes
    • Grooming
    • Gifts
  • Debt payments
    • Credit cards
    • Student loans
    • Personal loans
  • Savings
    • Emergency fund
    • Retirement
    • Education
    • Vacation
    • Large purchases (e.g., appliances, furniture)
  • Donations
  • Taxes

Does the envelope system work?

Yes – if you stick to your predefined budget, the envelope budgeting system will work. If used properly, it will help you reduce debt, save money, and meet your other financial goals.

How do I organize cash in my wallet?

It is helpful to have the money in your wallet organized whether you use the envelope system or not.

If you don't use the envelope budgeting system, it is helpful to keep your cash arranged by keeping the same denominations together and ordering them from lowest to highest value. Doing this can help you pay for things more efficiently and minimize handing over the wrong bill.

If you use the envelope budgeting system, you can either use an envelope system wallet like one of those above, add cash envelopes to your wallet, or create your own dividers to separate your cash into the appropriate budget categories.

What are the benefits of using a cash envelope system wallet?

Using a cash envelope system wallet can help you track your spending better, minimize your potential to overspend, and avoid identity theft by not using credit or debit cards.

Additionally, by using cash, you can sometimes receive a discount. Some small businesses prefer cash to avoid additional fees from credit card companies and will pass along the savings. Further, those who perform certain types of work prefer to be paid in cash.

How do you do the envelope system without cash?

If you prefer not to use cash, you can still use the envelope budgeting system. There are a couple of ways to do this.

First, you can manually track your transactions using one of the following:

By manually tracking, you can pay for your transactions how you like. Cash, credit card, debit card – it doesn't matter as long as you know how much you allocate to each category each month and track it.

Whichever method you choose, that becomes your cash envelope system wallet tracker.

The second strategy is to have separate savings accounts for each budget category with a linked checking account. You'd pay with your debit card and then transfer money from the appropriate category account.

I recommend using separate accounts to help you with budgeting in general. However, you need to be careful because most savings accounts limit the number of transactions each month.

Because of this, it may be challenging to use for envelope budgeting for every category. However, you could have a savings account for most of your categories. And then keep the rest in a checking account that you'd track manually.

Related:
Living Stingy – Is It Worth It to Reach Your Financial Goals
Ways to Save Money in Difficult Times

Best Cash Back Shopping Apps to Save Money

Summary of the Best Cash Envelope System Wallets

Using the cash envelope budgeting system is an excellent strategy to gain control of your spending. And a cash envelope system wallet is perfect for making that strategy possible no matter where you are.

While there are several options for envelope system wallets, I hope this guide helped you choose one for yourself.

If you are struggling financially, beyond creating a budget, I highly recommend using Personal Capital to track your net worth and see all of your accounts in one place. And Credit Karma to track your credit score and monitor for any negative impacts to your credit. Both of these tools are free.

Good luck budgeting!

Best Cash Envelope System Wallets

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