Last Updated on May 17, 2022 by Rebecca Lake
Cash envelope wallets can help you stay organized if you use the cash envelope budgeting method. A cash envelope wallet is a wallet that’s meant to hold the money that would ordinarily go into your cash envelopes.
With the cash envelope method, you create individual envelopes for variable expenses each month. A set amount of cash goes into each envelope and once you spend all your cash, you can’t make any more purchases in that budget category until the new month begins.
Using a cash envelope wallet that’s designed specifically to hold your envelopes can make it easier to keep track of them. And an envelope wallet system can also help you to stick to your budget.
There are lots of cash envelope wallets to choose from and it’s easy to get overwhelmed by the options. To make choosing one easier, I’ve rounded up the best cash envelope wallets that are stylish and won’t break the bank!
Related post: Cash Envelope System for Beginners (Get Started in 3 Easy Steps)
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What Is a Cash Envelope System Wallet?
A cash envelope wallet is specially designed for people who use envelope budgeting to manage their money. Cash envelope wallets include compartments for holding cash and they can also have room for debit cards, photo ID, receipts and budget trackers.
Here’s a quick recap of how the cash envelope system works:
- Make your budget. A cash envelope budgeting system starts with knowing how much you make and how much you spend each month. Scroll down to the end of this post to grab some free budget sheets to tally up your income and expenses!
- Choose your cash envelope budget categories. The next for cash budgeting is deciding which spending categories to include. Generally, cash envelope categories include things like groceries, gas and other discretionary expenses.
- Allocate cash to your envelopes. Once you’ve decided which spending categories to include, the next step is figuring out how much money to put in each of your budget envelopes. For example, your grocery envelope might get $600 while your gas envelope gets $200, depending on how much you typically spend in those budget categories.
- Spend the cash in your envelopes. After you divvy up your cash, you can spend the money in each of your cash envelopes as needed. The most important thing to remember about cash envelope budgeting is that once an envelope is empty, you can’t spend anything else in that category until the new budgeting period begins.
Using a cash envelope wallet system can be an effective way to manage your spending and avoid running up debt with credit cards.
Research has shown that it’s easier to overspend when using credit cards or even debit cards. Switching to a cash wallet system can be a good idea if you’d like to rein in unnecessary spending and potentially have money left over at the end of the month.
Related post: 90+ Cash Envelope Categories to Help You Budget More Effectively
If you’re looking for some cash envelopes to get started, be sure to check out the cute options in the Boss Single Mama shop!
Best Cash Envelope Wallets
Finding the right cash envelope wallet system for you matters because you’re more likely to stick with cash budgeting if you’re happy with the wallet you’ve chosen.
When comparing cash envelope wallets, it’s important to consider things like:
- Functionality. Some cash envelope wallets are designed to hold paper envelopes; others just hold cash. And some may include card slots for credit cards, debit cards or gift cards.
- Style. Cash envelope wallets can come in various colors or even different patterns. Taking a good look at different styles can help you find a cash envelope wallet that’s visually appealing.
- Size. You may be after a stylish wallet but it’s also important to look for the perfect size for your needs. For example, consider how much cash a particular wallet can hold. The right wallet for you should have plenty of room to hold your cash, budgeting envelopes, cards or anything else you need to stash in it.
- Cost. If you’re trying out a cash envelope budgeting system, you’re probably already committed to saving money. So cost is another important consideration. The good news is, it’s possible to find a great wallet that’s also a great value.
Ready to choose a wallet for your cash envelope system? Here are some of the most popular cash envelope wallets to help you get your budget on track.
Looking for a simple money management tool? Empower makes it easy to track spending, saving, investing, and budgeting in one place so you can tackle your financial goals!
1. Bella Taylor Wristlet Wallet
If you’re looking for a microfiber wallet in a larger size you can’t go wrong with the Bella Taylor wallet.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Includes 8 cash envelope slots with customizable inserts – 2 window ID slots to hold your driver’s license or other ID cards – 6 slots for debit cards, credit cards or gift cards – Checkbook pocket, pen loop and one extra pocket | – 8 cash slots may not be enough – Larger size (7.6″ x 4.25″ x 1.4″) means it may not fit every purse – Limited color options |
This cash envelope wallet is made from cloth and vegan leather, which his a plus if you’re looking for a wallet that uses sustainable materials. Overall, the Bella Taylor cash system wallet is designed to keep your cash and cards secure while also being an eye-pleasing option.
2. Kate Spade Zippered Wallet
This Kate Spade zippered wallet is not designed specifically for the cash envelope system. But it’s a stylish, high-quality option for managing cash and cards.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Includes 3 billfold sections – Window slots to hold your driver’s license or other ID cards – 12 slots for debit cards, credit cards or gift cards – Cell phone compartment – Durable, elegant design | – Doesn’t come in different colors – Pricier than other cash envelope wallets |
You might choose the Kate Spade cash wallet if you’re looking for something that’s a step up from standard wallets.
3. Divvy Up Savvy Spender Wallet
The Divvy Up Savvy Spender Wallet could be a perfect fit if you’re looking for a cash envelope wallet that’s on the larger side.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Designed to hold nylon cash envelopes – Comes with 5 envelopes in different colors, all with magnetic closures – Envelopes can be personalized with write-on adhesive labels – Includes 12 card slots, 2 long pockets and a zippered pouch | -5 envelopes may not be enough – Larger size may not appeal to everyone – No window ID slots |
You’ll like the Divvy Up Savvy Spender wallet if you want to be able to color code different envelopes to fit your spending categories. And it’s stylish and durable enough for everyday use.
4. Rachel Cruze Wallet
Rachel Cruze is a budgeting and personal finance expert (who also happens to be the daughter of Dave Ramsey.) In addition to writing books about money, she’s also developed her own cash envelope wallet line.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – High-quality leather exterior – Four cash envelope sections – 10 debit card slots (not designed to be a credit card holder!) – Detachable wristlet – Zippered coin pouch (which can double as a zippered pocket to hold receipts) | – No room for additional envelopes – No cell phone compartment – Limited color options |
The Rachel Cruze wallet is a bit more expensive than other cash envelope wallets. But it’s designed to last so it could be a great option if you’re looking for something durable.
5. Dave Ramsey Wallet
Dave Ramsey is best known as the author of The Total Money Makeover and Financial Peace. He’s also a proponent of budgeting by percentages so this cash envelope wallet is a great fit!
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Easily budget your money by paycheck – Simple design – Includes paper envelopes for cash budgeting – Store your checkbook – Keep track of cash envelope spending in one place | – Doesn’t come in a lot of different colors – Limited room for ID cards, debit cards, credit cards or gift cards |
The Dave Ramsey envelope system wallet could be a good fit if you want something simple and sturdy to hold your cash envelopes. There’s also a smaller-sized version of this cash envelope wallet if you’d prefer a different size.
6. Savvy Cents Wallet
The Savvycents wallet is a zippered wallet that comes in lots of different colors and allows you to easily organize cash, coins, receipts and cards.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Accordion-style design makes it easy to sort cash for budget categories – 11 different styles and color options to choose from – 2 window slots for ID cards – Zippered coin pouch – Tab dividers for easier organization – Built-in strap so you can use it as a clutch or a wallet | – No extra space for a checkbook or cell phone – Consumer reviews suggest that this cash envelope wallet is a little on the heavier side |
The Savvycents wallet has gotten rave reviews from customers and it could be worth a try if you want a cash envelope wallet that takes the guesswork out of organizing your money.
7. Soligt All in One Cash Envelope Wallet
The Soligt All in One Cash Envelope Wallet is a great option if you’re looking for a solid combination of features and cost.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Includes 12 cash envelopes and 12 budget sheets – Made of quality PU leather with a zipper closure so it’s designed to last – Budget envelopes are laminate coated in different patterns so you can easily assign spending categories – Budget tracker sheet allows you to keep tabs on your spending – Great price – 100% satisfaction guarantee | – Only two color options are available – Larger size could make it a tight fit for certain bags |
Overall, the Soligt All In One Cash Envelope Wallet has everything you need to get started with cash budgeting. The price is also much more budget-friendly than other cash envelope wallets.
8. Expanded Horizons RFID Blocking Wallet
The Expanded Horizons RFID blocking wallet is an accordion-style cash envelope wallet with 10 dividers to help you sort and separate your cash. It also has RFID blocking technology built-in.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Includes 10 slots for organizing cash envelopes with 20 divider tabs – 4 slots for debit cards, credit cards or gift cards – Refillable pen included – Checkbook holder – 2 ID window slots – Designed to fit in a pants pocket or purse so it’s great for men and women | – Plain exterior design with limited color options – A few Amazon users have reported the clasp breaking quickly |
You might try an Expanded Horizons cash envelope wallet if you want or need more sections for your various spending categories. Again, the basic design makes this cash envelope wallet suited to both men and women.
9. SKYDUE Budget Wallet With Cash Envelopes
The SKYDUE Budget Wallet is perfect for doing the cash envelope system for two reasons: it’s super affordable and it’s super cute!
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Includes one PU leather budget binder – Comes with 8 A6 sized plastic envelopes to store your cash – 12 expense budget sheets for tracking your expenses – 2 sheets of cash envelope system budget category stickers – Card slots for debit and credit cards – Comes in several different colors | – A6 size budget binder might be too small for some – Zipper closures on the plastic envelopes can make the wallet feel a little bulky |
SKYDUE budget wallets for cash envelopes are compact so they can easily fit into a purse, backpack or other bag. And the price is really unbeatable for everything that’s included with these cash envelope wallets.
10. Onlyesh Budget Binder With Cash Envelopes
ONLYESH is another great choice if you’re looking for an A6 size cash envelope wallet. I love this light blue version but there are lots of other colors to choose from.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Money-saving binder with 12 plastic zipper cash envelopes for budgeting – 12 budget sheets to track spending – 2 pages of fun budgeting stickers – 4 card slots as well as 2 pockets, 2 side pouches and 2 pen loops – A6 size, light and easy to carry | – No window slots for ID cards – No room for a checkbook or cell phone |
The ONLYESH cash envelope binders are durable and they’re budget-friendly. You can easily write down your expenses and the budget binder comes with labels for separating different spending categories.
11. Conscious Wallet Cash Envelope Wallet
The Conscious Wallet Cash Envelope Wallet is ideal if you’re looking for a binder note book to hold your cash envelopes. This budgeting binder is roomy and includes RFID blocking protection.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Features 12 card slots and 2 clear ID pockets – 12 premium cash envelopes included along with 12 budget label stickers – Individual budget sheets help you keep tabs on spending – Full zipper closure means you don’t have to worry about anything falling out | – Only comes in one color (black) – A bit more expensive than some other cash envelope wallets |
If you want a cash envelope budget wallet that will keep everything securely in one place, the Conscious Wallet Cash Envelope Wallet is a great option. And even though the exterior is plain black, the inside features colorful budget sheets and stickers.
12. Mundi File Master Organizer Wallet
The Mundi File Master wallet is a clutch with an interior filing system, which makes it great for holding cash.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – RFID blocking protection – 14 credit card pockets and 2 horizontal pockets – Accordion-style large compartment sections for cash and receipts – Zippered coin pocket for loose change – Extra storage zipper pocket – Multiple color options | – Limited cash envelope sections – No budget tracker sheets included |
You might like the Mundi File Master wallet if you want a simple clutch instead of a binder notebook wallet. And it’s also great if you tend to carry a lot of debit cards, credit cards or gift cards with you.
13. Saveyon Budget Wallet With Cash Organizer
The SAVEYON A6 Budget Binder is a great option if you want a feminine cash envelope wallet.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Pretty pink A6 faux leather binder notebook – 4 card slots and 2 large pockets – Includes 12 tabbed cash envelopes in feminine floral designs – Comes with sticker labels for organizing cash envelopes – Free lifetime access to printables, including budget sheets, monthly calendars and to-do lists – Affordably priced – 100% satisfaction guarantee | – Comes in just one color (pink) – No zippered pouches or compartments |
I love the overall design of the SAVEYON A6 Budget Binder and it’s also highly functional. The price is great for what’s included if you need an all in one cash envelope wallet and you can’t beat the free bonus printables that come with it.
14. All in One Cash Envelope Wallet
The All in One Cash Envelope Wallet is suited to people who like to include a lot of cash envelope categories in their budget.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Includes 12 tabbed cash envelopes for easy organization and division – Record spending with 12 monthly budget cards – Yearly budget tracker lets you see what you’ve spent at a glance – RFID blocking technology – Space for 12 credit cards – Gender-neutral design | – No large compartment for storing receipts – Using all 12 cash envelopes at once could make using the zipper closure difficult |
Getting an All in One Cash Envelope Organizer could be a smart move if you’d like to manage your monthly and yearly budgeting tools in one place. There’s no cell phone compartment but you might be okay with that if you want a cash envelope wallet in a smaller size.
15. Soul Mama Budget Binder With Cash Envelopes
The Soul Mama Budget Binder is another great option if you want a cash envelope wallet with a pretty, feminine feel.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Multiple designs to choose from in different colors – 10 pre-labeled plastic cash envelopes so there’s no writing required – Made of high-quality PVC so it’s durable – Expenses trackers included – Small enough to travel on the go | – Pre-labeled envelopes mean you can’t customize the binder to fit your spending categories – No cell phone compartment |
Soul Mama budget binders have a magnetic closure in place of a zipper. And I recommend checking out the pre-labeled envelopes before you buy to make sure it’s a good fit for your spending categories.
16. Mou Meraki Wallet Clutch
Mou Meraki wallets are a popular option among cash envelope budgeters who want a spacious wallet system.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Comes in lots of different color options – Made of 100% genuine leather – Spacious, with plenty of room to store cash, cards and receipts – 5 bill/currency compartments with room for 17 cards and 1 window ID slot – RFID blocking – Room for an iPhone | – No separate zippered compartment for coins – Amazon shoppers have complained that the card slots are on the smaller size |
The Mou Meraki cash envelope wallet features a simple, classic design that’s meant to appeal to women. You can use it as a clutch or add a strap to make it a wristlet for easier carrying.
17. Rnairni Cash Envelopes Wallet
If you’re looking for a monthly and yearly budgeting planner, the Rnairni Cash Envelope Wallet could be a great fit.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Includes 14 pages for monthly budget tracking – 54-week budget planning – 2 window card slots – Exterior large compartment for storing cash or a cell phone – 12 cash envelopes with tabbed dividers – Monthly goal-setting pages | – Only comes in one color – Dated calendar means you’ll need to replace it each year |
The Rnairni budget binder makes it easy to customize your cash envelopes, based on what works best for your budget. And having monthly goal-setting pages can be a great motivator to work on saving or paying down debt.
18. With You Crossbody Cash Envelope Wallet
The With You All in One Crossbody Cash Envelope Wallet is great if you want a versatile cash envelope wallet that can be used as a wristlet or worn like a purse.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – 12 money envelopes for cash, plus 12 label stickers and 12 budget tracker sheets – Made of high-quality PU leather – Use as a wristlet or cross-body purse – 2 compartments for bills, coupons or receipts – Built-in coin pouch – 2 window ID slots – 12 card slots | – Only one color option (light blue) – Some Amazon users complained about it being difficult to close |
The With You crossbody cash envelope wallet is unique, as it’s the only wearable cash envelope wallet I’ve come across so far. That could make it a great option for travel if you’d like to keep your cash close at hand.
19. Filofax Zip Organizer
The Filofax Zip Organizer is multi-functional since you can use it as a cash envelope wallet or as a regular planner.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Secure zipper closure so nothing falls out – Lots of size and color options to choose from – Exterior slip pocket – Made of cross-grain leather – Plenty of room to add plastic cash envelopes, dividers and budgeting pages | – Doesn’t include cash envelopes, dividers or budgeting pages – No slots for credit cards, debit cards or ID cards |
The biggest drawback associated with using the Filofax Organizer as a cash envelope wallet is that you’ll have to buy or make your cash envelope pockets separately. But you might prefer that if you’d like a cash envelope wallet that you can customize from start to finish.
20. Great Divide Cash Envelope Wallet
The Great Divide Cash Wallet from Divvy Up features magnetic cash envelopes and a simplified design.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Includes 5 color-coded cash envelopes with magnetic closures – Zipper closure keeps your money, cards and receipts secure – Room for 12 debit or credit cards – 1 zippered pouch and two extra storage pockets – Optional stickers for easily changing budget categories | – 5 cash envelopes may not be enough for some budgeters – No expense tracking or budgeting sheets |
The Great Divide Cash Wallet could be a good fit if you typically use five cash envelope categories in your budget. This cash envelope wallet is sturdy and well-made, though you are limited to one color option.
21. Nautica Be Shore Women’s Clutch
The Nautica Be Shore Women’s Clutch is an RFID blocking wallet that’s great for holding cash and cards.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Plenty of different colors to choose from – RFID blocking protection comes built into the wallet – 14 credit card and debit card slots – 4 slip pockets – 1 clear window slot for ID cards – Zip pocket for coins with a separate zip-around compartment – Large enough to hold iPhone and made of sustainable materials | – Does not include cash envelopes – May not work if you prefer a binder notebook for budgeting |
While the Nautica Be Shore clutch isn’t specifically designed for cash envelopes, you can still use it to organize and separate your cash. And it’s a perfect size if you prefer a clutch-style wallet.
22. Tuesma Cash Stuffing Binder
The Tuesma Cash Stuffing Binder is ideal for anyone who wants to try the cash stuffing trend that’s gotten popular on TikTok.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – A6 size 6-ring budget binder notebook – 12 stylish cash envelopes with 12 budget sheets and 24 label stickers – Great value for the price – 1 window ID card slot – Includes 3 card slots and one storage pocket – Add in calendar pages, zippered envelopes and dividers | – No room for a cell phone or calculator – Limited color options |
“Cash stuffing” is just another name for the cash envelope budgeting system. But if you specifically want a wallet that’s made for cash stuffing, this cash budget binder from Tuesma could be exactly what you’re looking for.
23. HITNEXT A6 Budget Binder
The HITNEXT Budget Binder is a hit for cash envelope enthusiasts who want a complete budgeting kit.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – Zipper closure leather budget binder – Includes clear zipper cash envelope pockets, 5 colorful separators and 24 budget category labels – 12 loose-leaf budget sheets in 6 colors, plus cash trackers and weekly planning pages – Sturdy and well-made overall – Multiple color options – Add-ons, including additional envelopes, graph paper and planner pages, can be purchased separately to customize your binder | – Only 2 card slots and no space for an ID – Some Amazon users have complained that the calculator is low-quality |
You might like the HITNEXT Budget Binder if you want a pre-made cash envelope wallet that’s also customizable. With different colors to choose from, you can find one that matches your personal style.
24. LIZIMANDU Cash Envelope Organizer
The Lizimandu Cash Envelope Organizer is designed just for holding cash envelopes.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – PU leather A6 budget binder – Comes with 10 A6 size zipper envelopes with 16 color-coded adhesive labels – Cash envelopes are waterproof and tear-resistant — Light and easy to carry – Easily add inserts to hold receipts, coins and cards | – No budgeting pages or expense trackers included – No slots for cards or ID |
The great thing about the Lizimandu Cash Organizer is its simplicity. This wallet is primarily designed to hold and separate your cash for different budget categories and you can always customize it with add-on inserts.
25. Bestjing Japanese Style Cash Envelope Organizer
The Bestijng Japanese Cash Envelope Organizer is perfect for cash envelope budgeting or people who follow the kakeibo system of saving money.
| Why it’s one of the best cash envelope wallets | Where it falls short |
| – A5 size binder notebook – Includes 5 A5 size bill pockets, 5 zippered envelopes, 24 budget expense tracking sheets and 60 index postings – Fabric exterior comes in a unique design with a tie closure – comes with 2 pens, a pen holder and card pockets | – No window slots for ID and limited space for credit and debit cards – Only two design options are available |
The Bestjing Japanese Style Cash Envelope Binder stands out because of its eye-catching cover design. But you’ll also appreciate how easy it is to set up and use, along with its affordable price.
Cash Envelope Wallet FAQs
What’s the best cash wallet?
The best cash wallet for you is one that offers easy access to your money when you need it while providing a stylish and functional solution for managing your cash envelope categories. A good cash wallet should be made of durable materials and made to last, while also being an affordable price.
What cash envelopes should I have?
Cash envelopes are designed to hold money that’s allocated to discretionary spending in your budget. The most common cash envelopes include things like groceries, gas, entertainment, dining out, clothing, personal care, recreation and miscellaneous spending.
How do I stick with a cash envelope budget system?
Committing to cash envelope budgeting requires discipline since it can be tempting to pull out debit cards or credit cards to spend when you run out of cash. Having an accountability partner can help you to stay on track with your budget. You can also try giving yourself small rewards as an incentive to stick to your cash budget.
Should you make your own cash envelopes?
Making your own cash envelopes means you don’t have to buy them, so you save money. And you can customize them to fit your style and the size of your cash envelope wallet. You can find free cash envelope templates online that you can download and print to make your own envelopes.
If you’re looking for some cash envelopes to get started, be sure to check out the cute options in the Boss Single Mama shop!
Final thoughts on the best cash envelope wallets
Using a cash envelope wallet system allows for better control over your spending since spending cash can be more painful psychologically than swiping a credit or debit card.
Do you use cash envelopes to budget? If so, tell me about it in the comments.
Don’t forget to check out my favorite Smart Money Tools for making and saving money before you go!
Need more budgeting tips and ideas? Read these posts next:
- How to Budget Using the Digital Envelope System
- Budgeting for Kids: Best Tips for Teaching Kids 2 to 18 About Money
- Why Is Budgeting Important? (10 Life-Changing Benefits of Budgeting)
- 50 30 20 Budget Explained (An Easy Way to Budget for Beginners)
- How to Do the 50 Envelope Challenge (Printable Envelope Savings Challenge Tracker!)
