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This guide covers some of the best cash envelope wallets and systems available in 2022, helping you to budget your money every month, stay organized, and reduce your spending.
Best cash envelope wallets
Cash budgeting can be an incredibly useful way to manage your monthly income in a more orderly, structured way.
Whether you’re already a loyal user of the cash envelope method, or you’re interested in trying this budgeting method for the first time, we’ve compiled the very best cash envelope wallets to help you budget your money.
If you’re guilty of spending too much money each month – perhaps on spontaneous purchases made on your credit or debit card, this system could just change your life…
What is the cash envelope wallet system?
The cash envelope system is essentially a cash budget, with envelopes used to organize your various budgeting categories.
That means you’ll use functional envelopes within your wallet to separate your cash into different budget categories such as:
- Food
- Gas
- ‘Fun’ Money
- Transport
- Entertainment
- Clothes
The idea is that you fill each of your assigned cash envelopes with the amount of cash your budget allocates to that budget category. Then, once that cash is gone, you’re done spending in that category until the next month. Effectively, each cash envelope sets a spending limit on the different categories within your budget, which can be so helpful so spending less money each month.
For example, you might decide that your budget for groceries for the month is $300, and for going out, you’ve got a budget of $100 for the month. You’ll place the cash for each category in a separate envelope, and that’s your limit for the month.
The cash envelope wallet system is used by thousands of people, as it can be so effective to see the physical money you are spending each month as opposed to putting those expenses on your credit cards or debit card as you might with a traditional budget.
A cash envelope wallet simply helps you to follow this method of budgeting more seamlessly, as all of your cash envelopes are in one, easy place.
How to choose your cash envelope categories?
This ultimate list of budgeting categories is a great place to find different ways of segmenting out your cash wallets.
Your budget categories will depend on your individual circ*mstances. For example, you might decide that your biggest expense is from shopping at the grocery store far too often, and you need a grocery envelope specifically to cut down on overspending here. Alternatively, you might have student loans you want to pay off, so you’ll focus on really honing where your money goes in order to pay your debt off quicker.
Benefits of a cash envelope wallet:
There is a reason that the cash envelope system is so popular. A few major benefits of using this simple but effective budgeting method include:
↠ Prevents spontaneous credit card overspending
One of the major benefits of the cash envelope budgeting system is that once the money is gone, it’s gone. When you’re used to spending your money on plastic, it can be easy to overspend without much thought to how your budget is actually going. Physically seeing real cash in each envelope go down throughout the month can have a big impact on creating more frugal habits.
↠ You can track your expenses easily
A cash envelope system wallet will hold all of your different spending categories for the month, so you can track your expenses far easier. Your wallet will enable you to quickly account for each spend and where your dollars actually go throughout the month. Seeing the physical cash leave your wallet each month can give you easy access to exactly how much you’re spending, and you’ll quickly know whether you’ve allocated enough money to each of your categories.
↠ Helps you prioritize
Allocating your monthly budget into your own cash envelopes can be extremely effective in helping you prioritize your spending for each pay period. Once you’ve decided which budget categories you’ll use, you’ll very quickly become reluctant to spend outside of those categories, or sneakily swap some more cash into a different envelope!
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25 Best Cash Envelope Wallet Systems
1. Bella Taylor Cash System Wallet
The Bella Taylor wallet is the perfect cash wallet: it’s functional, well-designed, high quality, and has multiple sections for storing a set amount of cash each month. The wallet has 14 stunning different designs to choose from, including a couple of different colors and prints that make this a beautiful wallet in its own right. The wallet has a zipped compartment with eight sections that you can label, as well as six card holders, two window ID slots, and a pen holder loop.
The wallet also has a detachable wrist strap, one extra pocket, and a checkbook pocket.
Key features:
- 14 designs to choose from
- 1 Zippered compartment
- 8 cash pockets
- 6 card holders
- 2 window ID slots
- Pen holder loop
- Detachable wrist strap
- Checkbook pocket
| Pros | Cons |
|---|---|
| Lots of design options | Only 8 pockets for cash |
| Soft quilted finish | Some reviews state it can wear quickly due to cotton material |
| Detachable wrist strap |
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2. Hauto Co Budget Binder with Zipper
Rating: 4.6 reviews
This beautiful budget binder has zipper pockets for storing your cash, bills, gift card etc. You’ll get self-adhesive labels to assign your own cash envelope budget categories, with everything held together in the A6 ring binder. The binder includes 4 slots for credit or debit cards, 2 pen loops, 2 bill slots, 12 cash envelopes, and 10 stickers.
Key features:
- Zippered pockets
- 12 cash envelopes
- 10 stickers
- 2 pen loops
- 2 bill slots
- 4 card slots
| Pros | Cons |
|---|---|
| Budget-friendly | No refill paper included |
| Nice design | Only 10 labels for 12 envelopes |
| Good size |
3. Convend Store Budget Binder with Zipper Envelopes
Rating: 4.5 stars
This cool budget binder comes in 10 different styles each in different colors and designs. The bundle includes a binder, 6 cash envelopes, 2 bill envelopes, 2 card pockets, 24 budget sheets, 2 sheets of stickers, and 2 label sheets.
This is a great idea for keeping your cash and other documents neatly organized and includes everything you’d need to successfully cash budget. If you’re looking for your own cash envelope wallet that contains everything you need to organize your budget, this is a good pick.
Key features:
- 10 styles to choose from
- 6 cash envelopes
- 2 bill envelopes
- 2 card slots
- 24 budget sheets
- 2 label sheets
- 2 sticker sheets
| Pros | Cons |
|---|---|
| Multiple design options | Some production issues, such as missing hole punches |
| Great price | |
| Lightweight |
Read next: 10 Best Budget Planner Books You’ll Love in 2022
4. SUNEE A6 Pink Budget Binder
Rating: 4.5 stars
The Sunee pink budget binder includes 8 zippered cash envelopes to keep your cash safe, 12 expense tracker sheets, and 4 sticker pages to assign your chosen budget categories. The binder itself has 4 pockets for your credit cards, 2 pockets for bills, and magnetic buckle closure to keep everything safe.
This beautiful little binder receives excellent reviews for being durable, sturdy, and highly effective at keeping your cash envelopes organized.
Key features:
- 8 cash envelopes
- 12 expense tracker sheets
- 4 card slots
- 2 bill pockets
- 4 sticker sheets
| Pros | Cons |
|---|---|
| Zippers to keep your cash safe | Does show wear and tear over time |
| Customizable | Money envelopes are a little small |
5. Clever Fox Cash Envelopes for Budget System
Rating: 4.6 stars
The Clever Fox Cash Envelope System contains a number of different envelopes made from high-density polyethylene fibers, meaning they easily withstand everyday use and water – so your cash envelopes remain light and flexible, without ripping or getting damaged. This is one of our top picks for the best cash envelope wallets.
The system comes with a carry pouch and 12 expense tracking budget sheets to keep a detailed note of your regular bills, other expenses, and income, while each budget category comes in a different color to help you stay super organized.
Clever Fox has a money-back guarantee, which is an added perk to this cash wallet system.
Key features:
- 12 expense tracker sheets
- 12 assorted colors
- Water and tear resistant
- Carry pouch
| Pros | Cons |
|---|---|
| Durable cash envelopes | No binder included – just a carry pouch |
| Different colors | |
| Money-back guarantee |
6. Dave Ramsey Deluxe Executive Envelope System
Rating: 4.5 stars
Dave Ramsey has a lot of fans due to his budgeting tips for getting out of credit card debt, his debt snowball method, and the promotion of the cash envelope system. While this envelope wallet is fairly simple compared to other options listed, it is lightweight, great quality, and has enough envelopes to accurately allocate your monthly budget.
The wallet includes a place for your checkbook, a memo pad, 5 slots for your cards, cash envelopes, a guide to using your envelopes correctly, and a small space to track your expenses. If you’re familiar with the Dave Ramsey envelope system wallet, you’ll understand exactly why this simple but effective Dave Ramsey wallet is so highly rated.
Key features:
- 5 card slots
- Checkbook holder
- Memo pad
- PDF guide to cash management
- Plastic coin pouch
| Pros | Cons |
|---|---|
| Good quality | Limited space for debit cards |
| Lightweight design | Small coin pouch |
| Simple, classic design |
7. Slim Budget Envelopes Wallet
The Slim cash envelope wallet has 6 tabbed sections with dividers for organizing your cash, a zippered coin pouch, 1 ID slot, 7 card slots, a detachable wrist strap, and a pen slot.
In addition to all that, you’ll get 6 cash envelopes, budget sheets, and inserts for organizing your budget effectively. The slim, compact design of the wallet makes it a great option for anyone looking for a more portable option that doesn’t take up a lot of space.
Key features:
- 6 tabbed sections
- Zippered coin pouch
- 1 ID slot
- 7 card slots
- Detachable wrist strap
| Pros | Cons |
|---|---|
| Includes envelopes and budget sheets | RFID blocking limited to 3 card slots |
| RFID blocking | May not be enough budget sections for everyone |
| Slimline design |
8. Mrs S Bea Budget Binder with Cash Envelopes
Rating: 4.7 stars
This A6 budget binder comes with cash envelopes, 12 budget sheets, 2 sticker sheets, and 8 binder pockets to help you easily track your deposits and withdrawals. This budget binder is great value, with a very affordable price and a cute design that won’t look out of place taking it out and about.
The system has a number of hidden compartments for storing your debit cards and gift cards, bills, and other documents that will help you with your monthly spending.
Key features:
- 12 budget sheeets
- 2 sticker sheets
- 8 binder pockets
| Pros | Cons |
|---|---|
| Easy to use | Won’t hold a large amount of cash |
| Cute design | No pen included |
| Durable |
9. Onlyesh Budget Binder
Rating: 4.6 stars
This cash envelope wallet is described as an ‘all-in-one money organizer for cash’, featuring 12 cash envelopes, 12 budget sheets, and labels/stickers to assign your own budgeting categories each month.
This binder receives excellent reviews and includes a number of useful customer-generated videos to help you work out exactly how to use it.
Key features:
- 12 cash envelopes
- 12 budget sheets
- Label & sticker sheets
| Pros | Cons |
|---|---|
| Good selection of sticker labels | Can be a bit bulky |
| Easy to understand | Labels are quite plain |
| Sturdy design |
10. Rnairni Cash Envelopes Wallet
Rating: 4.5 stars
This Cash Envelope Wallet contains 14 pages to write out your budget strategy, 14 monthly calendars to track your progress, and 54-week planning page, 12 cash envelopes, 12 budget sheets, and a pen to do all your budgeting! A cool feature of this binder is that it also has a built-in budget planner for making more detailed notes.
Another great feature of this wallet is that it has a 90-day money-back guarantee, so if you’re not happy with it, you can get a full refund. It also has RFID blocking built in.
Key features:
- 14 monthly budget calendars
- 54-week planning page
- 12 cash envelopes
- 12 budget sheets
- Built-in RFID blocking
| Pros | Cons |
|---|---|
| Big enough to fit your phone | Doesn’t come in different colors |
| Lots of extras included | Might be over the top for some people |
| Contains a built-in budget planner |
Read next: 10 Free Printable Grocery List Templates (Shopping Lists)
11. Mou Meraki Women RFID Wallet
Rating: 4.6 stars
This beautiful cash wallet is made from genuine leather on the inside and has a variety of floral patterns on the inside. The wallet contains a huge 17 card slots, plus 1 ID window, 5 cash compartments, a sleeve pocket, and a compartment for miscellaneous allocations.
In addition, it’s RFID tested to protect your cards and ID. This is a great choice if you’re looking for a cash envelope wallet that looks like a standard wallet you can pop in your bag for everyday use.
Key features:
- 5 cash compartments
- 12 card slots
- 1 ID window
- Sleeve pocket
- RFID blocking
| Pros | Cons |
|---|---|
| Comes in different colors | Can be a bit bulky |
| RFID blocking | |
| Genuine leather |
12. With You All-in-One Cash Budget Envelope System
Rating: 4.3 stars
This stylish cash envelope system looks great, and includes 12 money envelopes, 12 stickers to label your envelopes, and 12 budget tracker sheets! The system also comes with a small wallet for cards, gift cards, and coins, and a binder to organize everything all in one place.
The wallet comes with a wrist strap as well as a long strap, so you’ve got options on which way you carry it. The envelopes are also patterned, making it really easy to identify the correct one.
Keay features:
- 12 money envelopes
- 12 stickers
- 12 budget trrackers
| Pros | Cons |
|---|---|
| 12 envelopes included | Only 2 color options |
| 2 different strap options | Only 8 envelopes can be used at once |
| Includes stickers and budget sheets |
13. Kate Spade Cash Envelope Wallet
Rating: 4.8 stars
This cash wallet from Kate Spade is a more high-end option that happens to be perfect for anyone following a cash envelope system. This beautiful, classic wallet contains 12 credit card slots, an ID window, and 4 interior slip pockets – perfect for storing your cash envelopes.
If you’re after a fashionable wallet for cash budgeting, this can be a great way to incorporate cash budget envelopes into your monthly spending without using a dedicated cash wallet.
Key features:
- Credit card slots
- 1 ID card window slot
- 4 interior slip pockets
| Pros | Cons |
|---|---|
| Fashionable options | Only 4 dividers for cash envelopes |
| Lots of card slots | |
| Quality design | |
14. SavvyCents Wallet
Rating: 4.6 stars
The Savvy Cents wallet is a great option because it’s got loads of interior sections for dividing up your cash, coupons, bills, and receipts.
The wallet contains 5 cash sections that can be labeled, 8 card slots, and 2 window ID slots. It comes in 10 different colors and has a wrist strap to make it easier to carry around.
Key features:
- 8 card slots
- 2 window ID slots
- 5 cash sections
- 10 styles
- Wrist strap
| Pros | Cons |
|---|---|
| 10 different colors | Only 5 cash pockets |
| Sleek designs | |
| Sections for cash, coupons, bills, and receipts |
15. Three Way Cut Cash Envelope Wallet
Rating: 4.5 stars
The Three Way Cut contains 12 cash envelopes, budget sheets, and 12 slots for your credit cards and debit cards. It’s got a sleek gender-neutral design and contains a yearly budget planner sheet to help you fully organize your finances.
Another nice feature of this comprehensive cash wallet is the detachable wrist strap, making it easy to carry around.
Key features:
- 12 cash envelopes
- 12 budget sheets
- 12 card slots
- Slimline design
- Detachable wrist strap
| Pros | Cons |
|---|---|
| Large size | It may be a bit bulky for some |
| Durable material | |
| Lots of room for cards |
16. Saveyon Cash Envelope Wallet
Rating: 4.5 stars
The Saveyon Cash Envelope Wallet includes RFID blocking to keep your cards safe, 14 card slots, a zippered pocket for your coins, a cash envelopes binder, a coupon pocket, and 12 plastic tear-resistant cash envelopes.
A fantastic feature this wallet includes is access to a printable library with over 50 designs, so you can customize your cash budgeting system completely to your circ*mstances. In addition, you’ll get 12 budget trackers, 12 agenda calendars, and 12 to-do lists.
Key features:
- 12 cash envelopes
- 12 budget trackers
- 12 agenda calendars
- 12 to-do lists
- 14 card slots
- Zippered coin pocket
| Pros | Cons |
|---|---|
| Durable | Small coin pouch |
| 100% money-back guarantee | Can be a bit bulky when full |
| Lots of room for envelopes | |
17. Divvy Up Cash System Wallet
Rating: 4 stars
Divvy Up’s ‘The Great Divide’ wallet contains 5 magnetic cash envelopes, 12 card pockets, a zippered coin pouch, and two pockets for storing documents, coupons, and gift cards.
You can also buy more cash envelopes to suit your list of budget categories, and choose from 12 stickers to label your categories.
Key features:
- 5 cash envelopes
- 12 card pockets
- Zippered coin pouch
- 2 document pockets
- 12 sticker labels
| Pros | Cons |
|---|---|
| Room for lots of cards | Only 5 envelopes included |
| Customizable labels | |
| Durable design |
18. Libbie and Co Printable Lemon Cash Envelope System Set of 6
If you’re looking for something a bit different, you might consider this set of 6 printable cash envelopes from Libbie and Co. After purchasing them, you’ll simply download your file, print on good quality paper, cut out the envelopes, and glue the sides together to create your envelopes.
This could be a good option if you already have a binder to store your envelopes in and simply want to get a bit creative. It’s a plus that these cash envelopes are beautifully designed, too!
Key features:
- Lemon design
- Instant digital download
- 7 x 3 5/8 in size
- Set of 6
↠ Check Reviews and Prices ↞
| Pros | Cons |
|---|---|
| Affordable option | Time-consuming to make the envelopes |
| Nice designs | You’ll need good quality paper for durable envelopes |
| Ideal for creative people | No binder |
19. Leather Cash Envelope Wallet
Rating: 5 stars
This premium leather cash envelope wallet contains your choice of 4 or 6 pockets engraved with your chosen spending categories. You can also opt to have a coin purse and/or card pockets included within your wallet.
The long wallet is available in a number of different colors and metal snap colors.
Key features:
- Genuine leather
- Choice of 4 or 6 pockets
- Custom budget categories
- Optional coin pouch or card pockets
↠ Check Reviews and Prices ↞
| Pros | Cons |
|---|---|
| Durable material | More expensive option |
| Customizable | Categories cannot be changed in the future |
| Different colors available | More basic than other options |
20. Personalized Mini Cash Envelope Wallet
Rating: 4.7 stars
These cute mini cash envelope wallets are perfect for any smaller budgeting envelopes you might have for day-to-day spending. For example, if you don’t want to drag around your entire cash wallet system every day, you might get this mini wallet for your everyday spending.
Key features:
- Personalized with your name
- 7 color options
- PU leather
| Pros | Cons |
|---|---|
| Portable size | Too small for a complete system |
| Different colors | Basic design |
| Personalized options | No extras (sheets, labels etc) |
21. Magicfly cash envelopes
The MagicFly cash envelope wallet has 12 budgeting envelopes and 12 budget tables. It’s got a durable, sturdy design that is big enough for all your cash as well as extras such as your phone.
Key features:
- 1 wallet
- 12 budget tables
- 12 stickers
- 12 cash envelopes
- 1 binder
22. Hommie All-in-One Cash Envelope Wallet
This colorful option contains 12 cash envelopes for different cash categories, as well as 15 expense tracking sheets. This is an affordable, highly-rated option for anyone looking for a nice design that keeps things simple.
Key features:
- 12 cash envelopes
- 15 budget sheets
- 1 carry pouch
- Tear and wear resistant
23. Expanded Horizons Cash Envelope Wallet
This cash wallet is made from a durable high-strength textoline pvc compound, and is big enough to store all yur cash envelopes without being overly bulky. The wallet has 10 dividers with space to label each one, 4 card slots for credit or debit cards, and built-in RFID blocking to keep your cards safe.
Key features:
- 20 labels
- 2 ID slots
- 4 card slots
- Built-in RFID blocking
- Refillable pin
- 10 dividers for enevelopes
24. Soligt All-in-One Cash Envelopes Wallet
This classic looking wallet has a simple but elegant design, made from quality leather with plenty of room to store your cash, cards, coins, and more.
The brand also offers a 100% money back guarantee if you’re not happy with the wallet.
Key features:
- 12 cash envelopes
- 12 budget sheets
- 1 binder note
- 1 wallet
- 12 patterns available
25. All Planets Cash Envelope Wallet
A functional, affordable cash envelope wallet with some really cool designs. The All Planets wallet has space for 12 cash envelopes, and comes with 32 budget sheeets.
Key features:
- 12 planet-theemd envelopes
- 32 dual-sided budget sheets
- 12 credit card slots
- 2 clear ID pockets
Can you make your own cash envelopes?
If the above options aren’t in your budget right now, don’t worry! You can start with plain white paper envelopes and go from there. Or, you could get creative with crafting your own cash envelopes.
There’s no huge need to invest in a wallet before you start using this budgeting method. Just do what you can and if you feel like you need a better system to keep your envelopes organized and your budget in check, then one of the cash envelope wallet systems above are a good place to start.
How to pick the right cash envelope wallet system?
Ultimately, it’s not about the wallet. While having a great system can make budgeting easier, more efficient, and easier to track, it’s really up to you to make this work.
You could start off with plain paper envelopes and be extremely successful with this budgeting method – or, you could have the most expensive wallet on the list but not implement the idea behind the method effectively.
Which Dave Ramsey book explains the envelope system?
Dave Ramsey promotes the envelope system in Financial Peace, helping many people get out of debt by controlling their spending. This might be a good option to read if you want to find out more about the cash envelope system.
How do you start a cash envelope system?
Start by taking a look at your monthly budget, and assigning an amount to each budget category. Then, once you’ve got your cash envelopes, you can withdraw your cash for the month and allocate it accordingly.
The great thing about this system is it’s so easy to jump straight in and get started.
What do you do with leftover money in cash envelopes?
If you have money left over at the end of the month, you have two options here. First, you could simply keep the remaining extra cash in each envelope and enjoy a slightly bigger budget the following month. Secondly – and perhaps more viable in the long-term – is putting the leftover cash into a savings pot and investing in your future.
How much cash should I have in my budget each month?
How much cash you put in your envelopes really depends on the state of your bank account. You need to work out your own individual budget and go from there
. Some people choose to use cash for everything, whilst others use this system for their spending habits that most need addressing – such as meals out, entertainment, and other ‘fun’ spending.
Is using cash only a good idea?
The major risk of using cash for your budget is that were you to lose your wallet, you could lose your entire income for the month. That’s why it may be a good idea to keep your cash envelope wallet at home, and only take out what cash envelopes you need with you on any particular day. Get your daily budget out first thing, and treat your cash envelopes as a monthly quota to use overall.
Aside from this risk, keep in mind that for larger payments, you will not have any buyer’s protection should you become a victim of fraud as you would when shopping on your credit card. For larger payments, paying with your credit card or debit card may be a better option.
Using cash for the majority of your monthly budgeting can be extremely helpful to many people, however. It lets you track your spending quickly and easily, and can be instrumental in cutting down your spending each month.
The 25 best cash envelope wallets listed above are small investments that can be instrumental in helping you save money, pay off debt, and reduce your expenses.
Have you, a family member, or a friend tried this method of budgeting before? We’d love to hear about your experiences!
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What to read next:
- 55 Budgeting Tips (That Everyone Should Know)
- Ultimate Budget Categories List to Help You Save Money
- 10 Best Budget Planner Books You’ll Love in 2022
- 30 Free Budget Templates To Organize Your Finances In 2022
