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.
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
- 1. Bella Taylor Cash Envelope Wallets
- 2. Dave Ramsey Envelope System Wallet
- 3. Kate Spade Cash Envelope Wallet
- 4. Savvy Cents Wallet with File System
- 5. Magicfly Cash Envelope Wallet System
- 6. Bella Taylor RFID Blocking Wallet
- 7. Expanded Horizons RFID Blocking Wallet
- 8. All Planets Cash Envelopes Wallet
- 9. The Great Divide Cash System Wallet
- 10. The Savvy Spender Cash Budgeting Wallet
- 11. Slim Budget Cash Envelopes Wallet
- 12. Rnairni RFID Blocking Cash Envelope Wallet
- 13. Mundi File Master Organizer Wallet
- 14. With You CrossBody Cash Envelope Wallet
- 15. Three Way Cut Cash Envelope System
- 16. Solight Cash Envelope Wallet System
- 17. Sachielle Cash Envelope System Wallet
- 18. Filofax Compact Personal Organizer
- 19. Hommie All-In-One Cash Envelope System
- 20. Budget Binder with Cash Envelopes
- What to look for when choosing a cash envelope wallet
- Best cash envelope wallet – FAQs
- Which Cash Envelope Wallet is Best for You?
Best Cash Envelope Wallet for Clever Budgeting
1. Bella Taylor Cash Envelope Wallets
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.
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.
- 14 colorful designs
- Soft quilted cotton microfiber finish
- Lots of useful slots, pockets and loops
- 8 cash slots may not be enough
- Lighter colors may show dirt easily
2. Dave Ramsey Envelope System Wallet
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.
- Deluxe faux leather outer
- Memo and check register pads
- PDF guide explaining system
- On the small side
- Only one color option
- Not the most durable envelopes
3. Kate Spade Cash Envelope Wallet
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.
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.
- Supremely stylish
- Very versatile design
- Made to last
- Not designed as a cash envelope system
- Only 3 billfold sections
4. Savvy Cents Wallet with File System
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.
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.
- 10 colors available
- Concealed strap for carrying
- Simple, sleek design
- No space for checkbook or note pad
- Just 5 cash sections
5. Magicfly Cash Envelope Wallet System
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.
With a large capacity, this clever wallet with budget sheets and note pad should help take control of your finances.
- Lightweight and waterproof
- 12 cash envelopes included
- Also comes with stickers and budget sheets
- Bulkier than some
- Only 1 color option
6. Bella Taylor RFID Blocking Wallet
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.
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.
- RFID blocking secure technology
- Lots of helpful slots and sections
- Detachable wrist strap
- Plainer design
- Coins can be tricky to access
7. Expanded Horizons RFID Blocking 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.
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.
- 10 divided sections
- Pen, checkbook pocket, card and ID slots
- Wipe clean finish
- Only 1 design
- May be trickier to close when full
8. All Planets Cash Envelopes Wallet
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.
- Cool planets design
- 12 plastic envelopes
- Lots of slots and pockets
- Only 1 color
- Style not for everyone
9. The Great Divide Cash System Wallet
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 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.
- Clever magnetic envelopes
- Color coded system
- Lots of storage
- 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.
- Magnetic fabric envelopes
- Plenty of slots and pockets
- Space for Apple or Android phone
- Pink color not for everyone
- A little oversized for some
11. Slim Budget Cash Envelopes Wallet
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.
- Compact, slimline design
- Removable wrist strap
- Budget sheets and inserts included
- Only 3 slots have RFID blocking
- Just 6 envelopes and sections
12. Rnairni RFID Blocking Cash Envelope Wallet
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.
It also has RFID blocking built in.
- Book style budget planner
- 12 attractive envelopes
- Lots of extras
- Plain design
- May include more than you need
13. Mundi File Master Organizer Wallet
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.
It also has lots of pockets, compartments and slots for banknotes, ID, receipts, credit cards, vouchers, coins and your checkbook.
- 12 designs
- Clutch style design
- RFID blocking
- Limited compartments
- No envelopes, stickers or budget sheets
14. With You CrossBody Cash Envelope Wallet
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.
The envelopes are all differently patterned, so you can see at a glance which is the right one.
- 12 patterned envelopes
- Wrist and long straps included
- Also comes with budget sheets and stickers
- Not got high end looks
- Just 2 color options
15. Three Way Cut Cash Envelope System
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.
The envelopes also attach to the integral binder, so there’s far less chance of you losing any bills.
- 3 unisex colors
- Cash envelopes attach to binder
- Detachable wrist strap
- Basic looks
- No checkbook space
16. Solight Cash Envelope Wallet System
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.
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.
- Good value price
- Binder notebook included
- 12 envelopes
- Basic design
- Not the most spacious choice
17. Sachielle Cash Envelope System Wallet
With 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.
You can also choose between Velcro and snap button closures.
- Spacious storage system
- 15 snap or velcro fastening envelopes
- Gift boxed
- Bulkiest option
- Not the most portable
18. Filofax Compact Personal Organizer
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.
- Premium quality
- Diary included
- Made to last
- No envelopes included
- Not specifically designed for this purpose
19. Hommie All-In-One Cash Envelope System
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.
With labels and budget sheets included, this little binder is a simple way to get started with the cash envelope system.
- Great value for money
- Colorful, attractive design
- Makes it easy to track spending
- No wallet included
- Limited capabilities
20. Budget Binder with Cash Envelopes
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.
As they’re clear, it’s really easy to see the contents of each.
- Very affordable
- Card and bill slots
- Easy to see cash in each
- 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.
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?
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?
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.
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.
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!