We made envelope budgeting for the 21st century. Qubes are like budget envelopes to manage and spend your money.

Cash Envelope Budgeting on Steroids

We made envelope budgeting for the 21st century.

Envelope budgeting gives your money purpose. Qubes are like virtual accounts or budget envelopes to manage and spend your money with purpose.

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The Qube Money Card is issued by Choice Financial Group, Member FDIC, pursuant to a license from Visa. All Qube accounts are FDIC insured by our sponsor bank, Choice Financial Group, up to $250,000.

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CASHLESS ENVELOPE BUDGETING

All the control, without the hassle.

Because you’re budgeting and spending real money, you don’t have to worry about manually tracking anything! Tracking your expenses is a thing of the past. Spreadsheats—gone. Cash—gone.

TAP TO SPEND

Simply tap the qube you’d like to spend from.

Similar to cash envelopes, spend from the qube designated for a budget category. If you try and spend more than what’s in the qube, the transaction will decline.

We're seeing stars!

Rated 4.4 Stars

“Banking” app of the FUTURE

This company has made incredible investments in how the future would work for those really desiring mastery over their money! Forget Dave Ramsey’s envelopes, this app is BETTER control over your spending!

— amcmomchelle

Finally, cash envelopes that work!

If you’ve ever tried to budget with cash envelopes, you know it can be effective, but it also has drawbacks. Here is a cash envelope system that for the 21st century. Really! It is helping us to budget purposefully and spend mindfully. It acts as an effective budget system, rather than an autopsy of our poor spending for the month. We are reducing spontaneous spending that is not in line with our values and saving money. It’s simple: load the app and use it to start spending and saving with purpose and discipline.

— wmcconk

Must have

A fan of the Dave Ramsey system. Qube money has changed the envelope system. Qube money has upgraded the envelopment system. No more carrying envelopes around in your purse. You can have one card that allows you the same functionality.

— QtwithaQ

Budgeting that actually works

I LOVE Qube money. It’s a cash envelope system without the hassle of keeping actual cash on hand. I’ve recommended it to many family members and friends and I recommend it to whoever is reading this review. My husband and I have adapted quickly to this budgeting system (which I can’t say for most other budgeting techniques) and we will never budget any other way. The support is also awesome and they are continually adding new features, making this even more worth it.

— ashlee smith 4

Love it, this is perfect

I have wanted to use the envelope method of budgeting and planning my expenses in a digital way for so long now. Now I finally can. And...it works like a charm. I love this app. It’s easy, it’s intuitive, and as superficial as this might be, it has great aesthetics, which I like. I’m a fan and this is an easy five stars.

— Mr. Luvit

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