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Support & Help

Support and Help

Have questions about Mvelopes?


Find answers to common questions, watch tutorials, and more. Chances are that we’ve helped someone just like you.


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Frequently Asked Questions

How is Mvelopes different from other online personal finance programs?

If you have used Mint, Quicken®, or Microsoft® Money, ask yourself, are you any better off financially? Most people find they’re not. In spite of all that these programs do, they do not solve the fundamental problem that keeps most people from achieving their financial goals – managing their spending. Other programs use the traditional after-the-fact approach, basically a month-end reconciliation of budget to actual spending. With these programs, money is assigned to spending categories only after it has already been spent. You can then run reports in order to see where your money went so you can try better “next time.” It’s a reactive approach to budgeting, which simply does not work.

The key is not only looking back to see where your money went, but also looking ahead to plan where you want your money to go. Mvelopes helps you set up a spending plan, dividing your money into spending categories – based on what you plan on doing with the money – as it is received as income. Mvelopes then gives you accurate, up-to-date information for each spending category, showing actual funds available. You always have the information you need at your fingertips to make informed spending decisions and proactively manage your money, giving you real control over your spending and the peace of mind that comes with it.

To get started with Mvelopes, click here.

Can I access Mvelopes from home, work and on-the-go?

With Mvelopes, you can access your budget from anywhere, at anytime. With online, mobile, and tablet access, all your spending information is always at your fingertips. You can view and manage your spending plan from home, work, the mall, the grocery store, or across the country. With anywhere, anytime access, it doesn’t matter where you are!

Is my information secure?

Mvelopes uses Secure Socket Layer (SSL) encryption technology to protect your sensitive information during transmission, just like online banks and trading firms, providing the highest level of security available today. A secure username and password are required to log in and users are automatically logged off after a period of inactivity. Data is stored on firewall-protected servers, which are monitored for reliability 24 hours a day, 7 days a week. Mvelopes also undergoes regular third party data security audits to ensure that your personal information always remains safe and secure. See our Security Policy for more information.

Is my financial institution supported?

With thousands of connections, Mvelopes supports most financial institutions in the US and Canada, the broadest coverage of any personal finance application.

What is envelope budgeting?

Traditionally, many people managed their money by dividing their cash into several paper envelopes: an envelope for food, entertainment, utilities etc. They would then withdraw cash from these paper envelopes to make purchases. They always knew how much money they had left, and how long it had to last. Mvelopes is a breakthrough in budgeting and spending management that modernizes this proven envelope budgeting concept using innovative, cutting edge technology.

How will Mvelopes help me get out of debt?

Mvelopes users have found that by closely managing their spending, they are able to eliminate overspending and even save extra money each month. In many cases, there will be money left in several of their discretionary envelopes at the end of the month. By sweeping those extra amounts into current debt payments, they quickly eliminate their debt. If they have more than one debt, when that first debt is paid in full, they roll that whole payment amount plus the extra into their next priority debt on the list and so on until all their debts are paid off. Once they are debt-free, they roll those former debt payments into savings and investments to provide a more financially stable future for themselves and their family.

How does Mvelopes handle credit card purchases?

Mvelopes includes a credit card management feature to help users avoid costly service fees and interest charges by properly managing credit card spending. With the way most budgeting programs track spending, it is all too easy to spend down your checking account, and run up a balance on your credit card – both accounts laying claim to the same money. However, in Mvelopes, when a user makes a purchase using a credit card, the transaction amount is removed from the spending envelope and placed into to a special envelope to pay off the credit card. When the bill comes, the amount due is sitting in this envelope so the bill can be paid in FULL each month – no more costly finance charges or interest payments!

How do I begin using Mvelopes Mobile?

Simply download our FREE apps for your smartphone or tablet from iTunes, Google Play, or the Amazon App store . These apps automatically sync with our web application, so you’ll be able to manage your finances wherever you are.

How do I cancel my Premier Membership?

You may cancel your Premier Membership at any time on or before the last day of your Subscription period. To cancel, go to the Mvelopes Product Support portal to request cancellation. To protect your data, we must verify your identity, hence traditional email or postal mail are not acceptable methods of cancellation. To access the support portal, simply click on the Support link via mobile or web applications after you have logged in.

Can I use Mvelopes if I live outside the United States?

You can use Mvelopes anywhere you have a broadband internet connection. The question is whether we support banks in other countries. We do support a number of financial institutions in the US and in Canada and have many members in both countries. However, our mobile apps are only available in the US and Canada.

Is the Money4life coaching over the phone or in person?

Money4Life Coaching is delivered using a combination of an Internet-based screen sharing tool on your computer and the telephone. This method allows you to receive coaching efficiently whether you are at home, at work, or on vacation! All you need is an Internet connection and a telephone.

Can I use Mvelopes without linking to a financial institution?

Technically the answer is yes. However this would require you to manually input every financial transaction you make and would require a lot of time to do so. One of the great benefits of using Mvelopes is that we automatically gather all your spending transactions and present them in the “New Transactions” screen. This allows you to quickly and easily “drag-and-drop” or assign those transactions to the envelope where they belong.

I don’t see my financial institution. Can it be added?

If your Financial Institution is not listed, please contact Mvelopes Customer Support to make a request. They will provide you the steps to make the request securely. Some Financial Institutions cannot be supported because of technology or contractual limitations.

What are the system requirements for Mvelopes?

Mvelopes is available for iOS, Android smartphones and tablets, Kindle Tablets, and most PC browsers that run the latest Adobe Flash Plugin. Adobe’s Flash player is a free browser plugin and can be downloaded here.