Best Cash Envelope Wallet: 20 Stylish Options for Cash Envelope Budgeting

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Adopting the cash envelope system can really help you to manage your money in a super simple yet very effective way.

Finding the best cash envelope wallet means you can organize your money, making it easier to stick to even a strict budget.

I was so excited when my search for the best cash envelope wallet finally came to an end, as I had been searching for the perfect cash budget wallet for a while.

This carefully chosen range of cash envelope wallets solved the previous problems I’d come across.

Before, I had tried hard and failed at carrying my cash around in envelopes, little baggies from the bank, and even using the cash section of my old wallet to divide my cash reserves.

Nothing worked.

I knew I didn’t want to give up on cash envelope budgeting. I just needed a cash system wallet – something specially designed for cash budgeting.

I ended up choosing the Bella Taylor Cash System wallet and I LOVE it. I did a LOT of research on the best wallet for cash budgeting, so I wanted to share my findings with you.

So if you’re on the hunt for the perfect envelope budgeting system wallet, keep reading.

Or if you’re really pushed for time, check out my top pick: the Bella Taylor Cash System Wallet.

Best Cash Envelope Wallet for Clever Budgeting Recommendations

1. Bella Taylor Cash Envelope Wallets

Bella Taylor Wristlet Cash System Wallet, Bellacour

This is my number one pick from all the envelope system wallets out there.

There are 14 different designs to choose from, including a couple of plain colors as well as a range of stylish floral, ethnic and paisley prints.

Made from microfiber with vegan leather trim, it’s super soft with luxurious diamond pattern quilting.

What about the practicalities? This envelope wallet system has a zipped compartment with eight sections.

It comes complete with inserts so you can label each section.

Bella Taylor Wristlet Cash System Wallet, Bellacour

There are also six card slots, a checkbook pocket, two window ID slots and a pen holder loop. It also has one extra pocket, plus a detachable wrist strap.

Hits:

  • 14 colorful designs
  • Soft quilted cotton microfiber finish
  • Lots of useful slots, pockets and loops

Misses:

  • 8 cash slots may not be enough
  • Lighter colors may show dirt easily

2. Dave Ramsey Envelope System Wallet

Deluxe Executive Envelope System: Dave Ramsey's Financial Peace University

This Dave Ramsey wallet comes from one of the key exponents of the whole cash envelope system. Referred to as the ‘Financial Peace University’, the system is explained via an included PDF guide.

Related: 25 Dave Ramsey Tips To Help You Slay Debt

The wallet itself comes in a sleek black imitation leather finish. Inside, the cash system wallet has space for storing a checkbook, cards and cash management envelopes.

There is also a handy memo pad and a register for recording check expenditure.

Hits:

  • Deluxe faux leather outer
  • Memo and check register pads
  • PDF guide explaining system

Misses:

  • On the small side
  • Only one color option
  • Not the most durable envelopes

3. Kate Spade Cash Envelope Wallet

Kate Spade New York Laurel Way Neda Saffiano Leather Zip Around Wallet (Black)
I must mention at the outset that this is not designed specifically for the purpose – but it makes a stylish DIY cash envelope for fashionistas.

With three billfold sections, it has more space for dividing up cash than your average wallet.

Kate Spade New York Laurel Way Neda Saffiano Leather Zip Around Wallet (Black)

If you wanted a simple cash budgeting system, you could split your money, for example, into household bills, daily spending such as groceries, and treats.

There are 14 card slots too, which you could use for storing cash or notes as well as cards.

Hits:

  • Supremely stylish
  • Very versatile design
  • Made to last

Misses:

  • Not designed as a cash envelope system
  • Only 3 billfold sections

4. Savvy Cents Wallet with File System

Savvycents Wallet (Red)

This Savvy Cents wallet has lots of sections inside so you can divide up your receipts and coupons as well as your cash.

This envelope wallet comes in 10 color options – mostly plain but including a couple of cool prints too. A useful feature on these envelope wallets is the strap that can be tucked away when not required.

Savvycents Wallet (Red)

This clutch-style wallet has five cash sections inside with dividers that can be labelled.

It also has eight slots for cards and two window ID slots.

Hits:

  • 10 colors available
  • Concealed strap for carrying
  • Simple, sleek design

Misses:

  • No space for checkbook or note pad
  • Just 5 cash sections

5. Magicfly Cash Envelope Wallet System

Magicfly Cash Envelope Wallet, All-in-One Budget System Wallet with 12 Budget Envelopes& Budget Sheets & Labels, Waterproof & Lightweight, Budget Envelope for Tracking of All Your Spending, Black

Magicfly is another sought-after name in the world of cash envelope budgeting.

With 12 envelopes, this Magicfly cash envelope gives you more options for dividing your cash than most. A dozen budget tables and sticker labels are included to help you get – and stay – organized.

Magicfly Cash Envelope Wallet, All-in-One Budget System Wallet with 12 Budget Envelopes& Budget Sheets & Labels, Waterproof & Lightweight, Budget Envelope for Tracking of All Your Spending, Black

With a large capacity, this clever wallet with budget sheets and note pad should help take control of your finances.

Hits:

  • Lightweight and waterproof
  • 12 cash envelopes included
  • Also comes with stickers and budget sheets

Misses:

  • Bulkier than some
  • Only 1 color option

6. Bella Taylor RFID Blocking Wallet

Bella Taylor Microfiber RFID Wristlet Cash System Wallet for Cash Envelope Budgeting, Midnight Black
Why go for an RFID blocking wallet?

Well this technology stops criminals from reading your card details remotely so they can use them to their advantage.

This Bella Taylor RFID blocking wallet is one cash envelope system from the leading brand. You can choose between four colors with a leatherette or quilted microfiber finish.

Bella Taylor Microfiber RFID Wristlet Cash System Wallet for Cash Envelope Budgeting, Midnight Black

Like the other Bella Taylor option detailed above, this one has eight cash sections, two window ID and six card slots, a pen loop, a checkbook pocket and one extra section to use as you please.

Hits:

  • RFID blocking secure technology
  • Lots of helpful slots and sections
  • Detachable wrist strap

Misses:

  • Plainer design
  • Coins can be tricky to access

7. Expanded Horizons RFID Blocking Wallet

Expanded Horizons RFID Blocking 10 Divider Cash Envelope Wallet

With ten divided sections, the simple design of this wallet saves having to use budget envelopes.

20 labels are included, along with two ID and four card slots, a refillable pen and a checkbook holder.

Expanded Horizons RFID Blocking 10 Divider Cash Envelope Wallet

This wallet can fit into larger pants pockets and features a unisex design. It also has a real leather trim which is durable as well as stylish.

The finish also makes this one easy to wipe clean as required.

Hits:

  • 10 divided sections
  • Pen, checkbook pocket, card and ID slots
  • Wipe clean finish

Misses:

  • Only 1 design
  • May be trickier to close when full

8. All Planets Cash Envelopes Wallet

All PLANETS cash envelopes wallet for budgeting, PU leather wallet with 12 Planet Themed plastic budget envelopes, 36 Two-sided Budget tracker sheets, Money organizer for cash, Premium budget planner

If you want something a little more masculine in style, then this All Planets wallet could be a contender. With a cool solar system theme, it offers something a bit different from the norm.

As well as 12 cash envelopes printed with planet designs, this comes with 36 budget planner sheets and 60 stickers. It also has a zippered coin pocket, 12 card slots, a pen loop and a binder for holding the envelopes.

All PLANETS cash envelopes wallet for budgeting, PU leather wallet with 12 Planet Themed plastic budget envelopes, 36 Two-sided Budget tracker sheets, Money organizer for cash, Premium budget planner

Hits:

  • Cool planets design
  • 12 plastic envelopes
  • Lots of slots and pockets

Misses:

  • Only 1 color
  • Style not for everyone

9. The Great Divide Cash System Wallet

The Great Divide. A Cash Budget Wallet with 5 Magnetic Cash Envelopes by Divvy Up. (Black & Tan)

The Great Divide cash envelope system wallet by Divvy Up comes complete with five magnetic envelope inserts, and extras can be bought.

This envelope budgeting system wallet can also hold up to 12 cards, has a zippered coin pouch in the center and two extra storage pockets.

The Great Divide. A Cash Budget Wallet with 5 Magnetic Cash Envelopes by Divvy Up. (Black & Tan)

The magnetic envelopes come in different colors so you can grab the one you need at a glance. recognition. 12 blank sticky labels also come with it, so you can customize it to suit your precise system, and it even includes a gift box.

Hits:

  • Clever magnetic envelopes
  • Color coded system
  • Lots of storage

Misses:

  • Only 1 color option
  • Higher price

10. The Savvy Spender Cash Budgeting Wallet

Also from Divvy Up is this affordable cash envelope system with fabric, magnetic pouches for your cash.

As well as the envelope slot, it has two long pockets, 12 card slots, a zippered pouch and even enough space for your smartphone.

This product has a pink theme, being black with pink trim and coming with the envelopes in various shades of gray, pink and black.

Being clutch-size, it can carry everything you need.

Hits:

  • Magnetic fabric envelopes
  • Plenty of slots and pockets
  • Space for Apple or Android phone

Misses:

  • Pink color not for everyone
  • A little oversized for some

11. Slim Budget Cash Envelopes Wallet

Slim Budget Envelopes Wallet - 6 Horizontal Tabbed Cash Envelopes, All-in-One Cash Envelope System Wallet, Coupon Organizer, RFID Blocking Monthly Bill Organizer, Compact Budget Planner Organizer

This slimline cash wallet system comes complete with RFID blocking technology.

It has one window ID slot as well as seven additional card slots. Three of these have RFID blocking technology, so are ideal for credit, debit or charge cards.

There are six divided, tabbed sections, a zippered coin pouch, a pen slot and a detachable wrist strap. Inserts, budget sheets and six envelopes also come with it.

Slim Budget Envelopes Wallet - 6 Horizontal Tabbed Cash Envelopes, All-in-One Cash Envelope System Wallet, Coupon Organizer, RFID Blocking Monthly Bill Organizer, Compact Budget Planner Organizer

Hits:

  • Compact, slimline design
  • Removable wrist strap
  • Budget sheets and inserts included

Misses:

  • Only 3 slots have RFID blocking
  • Just 6 envelopes and sections

12. Rnairni RFID Blocking Cash Envelope Wallet

Cash Envelopes Wallet - RFID Blocking - Finances Organizer Calendar Budget Planner Notebook with 2021 Weekly & Monthly Planner Refill & 12 Budget Envelopes & Budget Sheets

This is a comprehensive product with everything you need to get budgeting. Unusually, it comes with a proper book style budget planner so you can make more detailed notes.

Monthly and weekly planners are included. The pack includes a pen, 12 envelopes, a detachable wrist strap, a ring binder with planner and dividers, stickers and even a ruler.

Cash Envelopes Wallet - RFID Blocking - Finances Organizer Calendar Budget Planner Notebook with 2021 Weekly & Monthly Planner Refill & 12 Budget Envelopes & Budget Sheets

It also has RFID blocking built in.

Hits:

  • Book style budget planner
  • 12 attractive envelopes
  • Lots of extras

Misses:

  • Plain design
  • May include more than you need

13. Mundi File Master Organizer Wallet

Mundi File Master Womens RFID Blocking Wallet Clutch Organizer With Change Pocket (One Size, (Brown Sugar))

Like the Kate Spade product detailed above, this one may not, strictly speaking, be categorized as a cash envelope system wallet as such.

With a range of compartments, however, it could be used for this purpose. This Mundi wallet comes in 12 color and pattern options, so there’s plenty of choice.

Mundi File Master Womens RFID Blocking Wallet Clutch Organizer With Change Pocket (One Size, (Brown Sugar))

It also has lots of pockets, compartments and slots for banknotes, ID, receipts, credit cards, vouchers, coins and your checkbook.

Hits:

  • 12 designs
  • Clutch style design
  • RFID blocking

Misses:

  • Limited compartments
  • No envelopes, stickers or budget sheets

14. With You CrossBody Cash Envelope Wallet

With You All-in-One Cash Budget Envelope System Wallet | Premium Crossbody Wallet with Wristlet and Charm Pendant, 12 Laminated Budget Envelopes, 12 Budget Sheets, and 12 Label Stickers (Black)This cash envelope system really stands out from the crowd, as it can be carried cross body style.

With 12 envelopes, stickers and budget sheets it also comes with everything you need, and is available in black or light blue.

There is a wrist strap as well as the long strap, so you can carry it whichever way you prefer. 

With You All-in-One Cash Budget Envelope System Wallet | Premium Crossbody Wallet with Wristlet and Charm Pendant, 12 Laminated Budget Envelopes, 12 Budget Sheets, and 12 Label Stickers (Black)

The envelopes are all differently patterned, so you can see at a glance which is the right one.

Hits:

  • 12 patterned envelopes
  • Wrist and long straps included
  • Also comes with budget sheets and stickers

Misses:

  • Not got high end looks
  • Just 2 color options

15. Three Way Cut Cash Envelope System

Cash Envelope Wallet All in One Budget System with 12x Tabbed Cash Envelopes , 12x Monthly Budget Cards ,1x Yearly budget planner sheet Complete Money Organizer Set for Cash RFID Blocking

This option by Three Way Cut really does seem to include all you need. There are 12 cash envelopes plus budget sheets, plus 12 credit card slots.

The detachable wrist strap makes it easy to carry around too. In black, blue or red, the design is also unisex.

Cash Envelope Wallet All in One Budget System with 12x Tabbed Cash Envelopes , 12x Monthly Budget Cards ,1x Yearly budget planner sheet Complete Money Organizer Set for Cash RFID Blocking

The envelopes also attach to the integral binder, so there’s far less chance of you losing any bills.

Hits:

  • 3 unisex colors
  • Cash envelopes attach to binder
  • Detachable wrist strap

Misses:

  • Basic looks
  • No checkbook space

16. Solight Cash Envelope Wallet System

Soligt All-in-One Cash Envelopes Wallet with 12 Budget Envelopes & Budget Sheets - Black

This affordable package offers great value as well as all you need for cash envelope budgeting.

In red or black faux leather, it’s one of the only options with a useful binder notebook. 12 envelopes are included. 

Soligt All-in-One Cash Envelopes Wallet with 12 Budget Envelopes & Budget Sheets - Black

With budget sheets, card and coupon slots and a zippered pocket, this basic but functional design makes it easy to try the cash envelope system.

Hits:

  • Good value price
  • Binder notebook included
  • 12 envelopes

Misses:

  • Basic design
  • Not the most spacious choice

17. Sachielle Cash Envelope System Wallet

Cash Envelope System Wallet - Saving Money Organizer - 15 Floral Budget Envelopes with Velcro Closure - Plastic Cash Envelopes for Budgeting - 15 Budget Sheets - Budget Wallet BlackWith 15 pretty cash envelopes included, this one offers a little more scope than most for anyone who wants to create numerous spending categories.

It also offers more space than the average product. This wallet comes with a pen, budget sheets and stickers, and everything is gift boxed.

Cash Envelope System Wallet - Saving Money Organizer - 15 Floral Budget Envelopes with Velcro Closure - Plastic Cash Envelopes for Budgeting - 15 Budget Sheets - Budget Wallet Black

You can also choose between Velcro and snap button closures.

Hits:

  • Spacious storage system
  • 15 snap or velcro fastening envelopes
  • Gift boxed

Misses:

  • Bulkiest option
  • Not the most portable

18. Filofax Compact Personal Organizer

Filofax Saffiano Personal Compact Zip organiser - black
While it’s not designed specifically for the cash envelope system, many keen budgeters find a Filofax organizer perfect for this purpose.

Try searching ‘filofax cash organizer’ on YouTube and you can see how popular an option this is!

The biggest pluses are the fact that you can decide for yourself exactly how to organize your cash – and the premium quality of this product that is made to stand the test of time.

Hits:

  • Premium quality
  • Diary included
  • Made to last

Misses:

  • No envelopes included
  • Not specifically designed for this purpose

19. Hommie All-In-One Cash Envelope System

Cash Envelope System, Hommie All-in-One Cash Envelop Wallet with 12 Waterproof Money Budget Envelopes, 24 Blank Labels, 24 Rainbow Labels, and 1 Binder Note

This product is more of a budget binder than a wallet as such, but for some this makes it easier for them to save money.

There are 12 cash envelopes, so when you are using cash you could simply just carry the ones you need that day.

Cash Envelope System, Hommie All-in-One Cash Envelop Wallet with 12 Waterproof Money Budget Envelopes, 24 Blank Labels, 24 Rainbow Labels, and 1 Binder Note

With labels and budget sheets included, this little binder is a simple way to get started with the cash envelope system.

Hits:

  • Great value for money
  • Colorful, attractive design
  • Makes it easy to track spending

Misses:

  • No wallet included
  • Limited capabilities

20. Budget Binder with Cash Envelopes

A6 Budget Binder with Cash Envelopes, PU Leather Notebook Binder with 12 PCS A6 Binder Pockets - Khaki

Like the Hommie product listed immediately above, this one might not be described as an actual wallet. Rather, it’s an organizer binder for home use when setting and managing your budget.

As it does have, however, a bill holder and card slot, it can be used when out and about. It’s simple, comprising a folder with 12 plastic pockets for dividing and storing your cash.

A6 Budget Binder with Cash Envelopes, PU Leather Notebook Binder with 12 PCS A6 Binder Pockets - Khaki

As they’re clear, it’s really easy to see the contents of each.

Hits:

  • Very affordable
  • Card and bill slots
  • Easy to see cash in each

Misses:

  • Very basic
  • More of a binder than a wallet

What to look for when choosing a cash envelope wallet

These are some of the key factors to bear in mind when making your selection.

Style

Do you want a wallet that you can carry around with you, or would you prefer a ring binder based system to help you get organized, so you can only take the cash you need each time you go out?

Do looks – or form – matter to you more, less or the same as function?

Budget

How much do you want to spend?

The idea here is to save money in the longer term.  Buying cheap may therefore be tempting, but would spending a little more make the product easier or more pleasant to use?

Or mean it’s more likely to last longer?

Compartments

What do you need or want to carry around with you?

If you take ID, credit cards, coins or a checkbook, then you need a wallet that can accommodate these items. Check how many card slots are included if you have a fair few to carry.

Accessories

Various extras are included with many of these cash wallets. As well as the envelopes, some come with budget planning sheets, a pen and labels.

Sometimes there will be a notepad. A strap is worth looking for as it means you can carry your wallet around more easily.

RFID Blocking

This technology blocks the devices used by criminals to steal your card details so they can have a shopping spree at your expense.

It’s certainly useful for those who live in areas of high crime, such as densely-populated cities.

Best cash envelope wallet – FAQs

Here are answers to some of the most frequently asked questions regarding the topic of cash envelope budgeting.

What is the cash envelope system?

In simple terms, the cash envelope system is a clever way of budgeting. You can use it to set overall and specific spending limits, and the organized system makes it easier to stick to these.

Limits can be set for everyday spending such as grocery shopping, clothing, gas or entertainment.

The money for each spending category is stored in a separate section. It’s easier to stick to a limit, as you can see clearly what you have left to spend during this week or month.

How does the cash envelope system save money?

You only have so much money coming in, and we cannot change that.

But what the cash envelope system does is help you control your spending while allowing you to see where every cent goes.

This very visible approach makes what you spend much easier to see than when using cards – and if you do have some left over you can see the tangible results of your efforts at the end of the month.

What sort of categories should I create?

Which categories will work best for you depends on your lifestyle. Grocery shopping is likely to be one of the most popular, alongside gas or other transport costs.

If you have young children, clothing may also form a significant chunk of your budget. Entertainment is another that most people will want to set aside some funds for.

At the outset, it might be a good idea to track your spending for a few weeks to clarify what you need to budget for.

What should I spend leftover cash on?

If you have money left in any of your categories at the end of the week or month, that’s great news, and tells you the system is working just as it should!

The best ways to use this cash include paying off debts – make sure you make high-interest debt a priority.

You could also save this money to build up a nest egg or pension fund. A small treat may also be in order, as this can help keep you motivated.

Even if it’s just a small thing, like a latte from your favorite coffee shop.

Why is it called the Dave Ramsey cash envelope system?

Dave Ramsey writes about the envelope system in his books, including Financial Peace that was published in 1997. Since then, further titles from the cash saving expert include The Total Money Makeover, which is a huge bestseller.

Which Cash Envelope Wallet is Best for You?

I hope this guide to choosing the best cash envelope wallet for your budget and requirements has been helpful.

Once you get the hang of the simple system, it really can be a great way of managing your money.

You might even get that savings account set up once you finally have some cash left over at the end of each month!

Related guides:

About Emma Healey

Emma is a recognised family finance and budgeting expert and founder of Mum's Money. Her advice has been featured in Readers Digest, Yahoo Finance, Lifehacker, The Simple Dollar, MSN Money and more.