EnvelopeBudget

EnvelopeBudget provides a digital envelope budgeting platform for couples and families to manage shared finances. The app syncs with bank accounts, offers a debt center, and lets users allocate every dollar to specific envelopes. It includes iOS and Android apps, a 34‑day free trial, and pricing starting at $4 per month. The service aims to simplify budgeting, track expenses, and help achieve financial goals through an intuitive interface.

EnvelopeBudget publishes 4 API contracts indexed on the APIs.io network, including Accounts API, Auth API, Envelopes API, and 1 more. Tagged areas include Finance, Budgeting, Personal Finance, Couples, and Families.

The EnvelopeBudget catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

EnvelopeBudget’s developer surface includes authentication, pricing, changelog, engineering blog, getting-started guide, API reference, and 23 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

53.5/100 developing Agent 39/100 agent ready Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessPaid

1 published contract 2 Agent Skills

Finance Budgeting Personal Finance Couples Families

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 53.5/100 · developing

Contract Quality 10.7 / 21

Developer Ergonomics 7.6 / 17

Access Clarity 10.5 / 17

Operational Transparency 3.2 / 11

Contract Governance 3.6 / 10

Discoverability 6.7 / 9

Regulatory Posture 6.0 / 15

Agent readiness — 39/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 5 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 0 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented) Ask about this →
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link Ask about this →
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks Ask about this →

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 50.5 — up to +12.4 composite points Ask about this →
Developer Ergonomics scores 44.6 — up to +11.1 composite points Ask about this →
Operational Transparency scores 28.6 — up to +9.3 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/envelopebudget-com/apis.yml: open an issue on github.com/api-evangelist/envelopebudget-com to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 3

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OAuth 2.0 Protected Resource Metadata

measured — observed by APIs.io (verified)

Dynamic Client Registration

measured — observed by APIs.io (published)

OpenAPI

measured — observed by APIs.io (published)

APIs 4

Individual APIs this provider publishes, each with its own machine-readable definition.

EnvelopeBudget Accounts API

The Accounts API from EnvelopeBudget — 2 operation(s) for accounts.

EnvelopeBudget Auth API

The Auth API from EnvelopeBudget — 5 operation(s) for auth.

EnvelopeBudget Envelopes API

The Envelopes API from EnvelopeBudget — 1 operation(s) for envelopes.

EnvelopeBudget Transactions API

The Transactions API from EnvelopeBudget — 4 operation(s) for transactions.

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

envelopebudget-com-create-and-list-transactions

AGENT SKILL

envelopebudget-com-import-and-list-accounts

AGENT SKILL

EnvelopeBudget API pricing

Prices published by EnvelopeBudget, read 2026-11-07 from envelopebudget.com/pricing/.

Plan	Price
Monthly	$4/month
Annual	$40/year
Lifetime	$60 once

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

EnvelopeBudget Plans Pricing

3 plans

PLANS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Envelopebudget Com Context

7 classes · 25 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.

EnvelopeBudget API Rules

42 rules · 39 error-severity 2 warn-severity 1 info-severity

SPECTRAL

JSON Schema 4

Standalone JSON Schema definitions for this provider's data models.

Body_import_ynab_accounts_import_ynab__post

1 properties

JSON SCHEMA

Body_login_for_access_token_token_post

2 properties

JSON SCHEMA

TransactionImport

9 properties

JSON SCHEMA

TransactionResponse

3 properties

JSON SCHEMA

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

EnvelopeBudget Authentication

1 scheme

SECURITY

EnvelopeBudget Domain Security

TLSv1.3 · DMARC

SECURITY

EnvelopeBudget Vulnerability Disclosure

security.txt · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

EnvelopeBudget Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Agentic Access (API Evangelist recommendations) 1

Recommended x-agentic-access execution contracts for AI agents.

EnvelopeBudget Agentic Access

13 operations · 8 acting · 2 human-in-the-loop

13 operations · 8 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

Login

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Documentation 1

Reference material describing how the API behaves

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgentSkill

LLMsTxt

WellKnown

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

DataModel

ErrorCatalog

Conformance

Access & Security 5

Authentication, authorization, and security posture

Security

Security

Authentication

Authentication

SecurityTxt

SecurityTxt

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Roadmap

Roadmap

ChangeLog

ChangeLog

Commercial 4

Pricing, plans, and the legal terms of use

Plans

TermsOfService

PrivacyPolicy

Pricing

Company 3

The organization behind the API

Newsroom

Newsroom

Blog

Blog

Website

Website

Other 1

Properties that don't map to a standard resource type

Hosts

Hosts

Source (apis.yml)

aid: envelopebudget-com
name: EnvelopeBudget
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  probe_state: gated
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-13'
  method: derived
image: https://envelopebudget.com/img/og/assets-social-preview-og-9067abe1.jpeg
description: EnvelopeBudget provides a digital envelope budgeting platform for couples and families to manage shared finances.
  The app syncs with bank accounts, offers a debt center, and lets users allocate every dollar to specific envelopes. It includes
  iOS and Android apps, a 34‑day free trial, and pricing starting at $4 per month. The service aims to simplify budgeting,
  track expenses, and help achieve financial goals through an intuitive interface.
url: https://artifacts.apis.io/envelopebudget-com/apis.yml
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-11-07 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-11-06'
modified: '2026-11-06'
tags:
- Finance
- Budgeting
- Personal Finance
- Couples
- Families
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/envelopebudget-com-agentic-access.yml
- type: Plans
  url: plans/envelopebudget-com-plans-pricing.yml
- type: Spectral
  url: rules/envelopebudget-com-rules.yml
- type: JSONLD
  url: json-ld/envelopebudget-com-context.jsonld
- type: Vocabulary
  url: vocabulary/envelopebudget-com-vocabulary.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DataModel
  url: data-model/envelopebudget-com-data-model.yml
- type: Security
  url: security/envelopebudget-com-vulnerability-disclosure.yml
- type: Authentication
  url: authentication/envelopebudget-com-authentication.yml
- type: ErrorCatalog
  url: errors/envelopebudget-com-problem-types.yml
- type: Conformance
  url: conformance/envelopebudget-com-conformance.yml
- type: LLMsTxt
  url: llms/envelopebudget-com-llms.txt
- type: SecurityTxt
  url: well-known/envelopebudget-com-security.txt
- type: WellKnown
  url: well-known/envelopebudget-com-well-known.yml
- type: Hosts
  url: hosts/envelopebudget-com-hosts.yml
- type: TermsOfService
  url: https://envelopebudget.com/terms/
- type: Roadmap
  url: https://envelopebudget.com/roadmap/
- type: PrivacyPolicy
  url: https://envelopebudget.com/privacy/
- type: Pricing
  url: https://envelopebudget.com/pricing/
- type: Newsroom
  url: https://envelopebudget.com/media/
- type: Login
  url: https://envelopebudget.com/login/
- type: DeveloperPortal
  url: https://envelopebudget.com/developer/api-keys
- type: ChangeLog
  url: https://envelopebudget.com/changelog/
- type: Blog
  url: https://envelopebudget.com/blog/
- type: GettingStarted
  url: https://envelopebudget.com/api/docs#GET/api/auth/onboarding
- type: APIReference
  url: https://envelopebudget.com/api/docs
- type: VulnerabilityDisclosure
  url: security/envelopebudget-com-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/envelopebudget-com-domain-security.yml
- type: Website
  url: https://envelopebudget.com/
apis:
- aid: envelopebudget-com:envelopebudget-com-accounts-api
  name: EnvelopeBudget Accounts API
  description: The Accounts API from EnvelopeBudget — 2 operation(s) for accounts.
  humanURL: https://envelopebudget.com/api/docs
  baseURL: https://api.envelopebudget.com
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/envelopebudget-com-accounts-api-openapi.yml
  - type: JSONSchema
    url: json-schema/envelopebudget-com-body-import-ynab-accounts-import-ynab-post-schema.json
- aid: envelopebudget-com:envelopebudget-com-auth-api
  name: EnvelopeBudget Auth API
  description: The Auth API from EnvelopeBudget — 5 operation(s) for auth.
  humanURL: https://envelopebudget.com/api/docs
  baseURL: https://api.envelopebudget.com
  tags:
  - Authentication
  tags_raw:
  - Auth
  properties:
  - type: OpenAPI
    url: openapi/envelopebudget-com-auth-api-openapi.yml
  - type: JSONSchema
    url: json-schema/envelopebudget-com-body-login-for-access-token-token-post-schema.json
- aid: envelopebudget-com:envelopebudget-com-envelopes-api
  name: EnvelopeBudget Envelopes API
  description: The Envelopes API from EnvelopeBudget — 1 operation(s) for envelopes.
  humanURL: https://envelopebudget.com/api/docs
  baseURL: https://api.envelopebudget.com
  tags:
  - Envelopes
  properties:
  - type: OpenAPI
    url: openapi/envelopebudget-com-envelopes-api-openapi.yml
- aid: envelopebudget-com:envelopebudget-com-transactions-api
  name: EnvelopeBudget Transactions API
  description: The Transactions API from EnvelopeBudget — 4 operation(s) for transactions.
  humanURL: https://envelopebudget.com/api/docs
  baseURL: https://api.envelopebudget.com
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/envelopebudget-com-transactions-api-openapi.yml
  - type: JSONSchema
    url: json-schema/envelopebudget-com-transaction-response-schema.json
  - type: JSONSchema
    url: json-schema/envelopebudget-com-transaction-import-schema.json
x-coverage:
  state: gated
  reason: partner-login
  method: derived
  generated: '2026-11-07'
  generator: derive-coverage.py (pre-flight evidence)
  detail: the company serves an API surface but requires credentials before any description of it can be read
  evidence:
  - url: https://api.envelopebudget.com/openapi.json
    status: null
  - url: https://envelopebudget.com/mcp
    status: 401
  - url: https://envelopebudget.com/
    status: 200
x-enrichment:
  date: '2026-11-07'
  status: enriched
  artifacts_added: 32
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

EnvelopeBudget API — frequently asked questions

Does EnvelopeBudget have an API?

Yes. APIs.io lists 4 APIs from EnvelopeBudget, including EnvelopeBudget Accounts API, EnvelopeBudget Auth API and EnvelopeBudget Envelopes API, and 1 more.

Is there an OpenAPI specification for the EnvelopeBudget API?

Yes. APIs.io indexes 4 OpenAPI specifications for EnvelopeBudget, each linked for download from this page.

How do I authenticate with the EnvelopeBudget API?

EnvelopeBudget documents its authentication (1 scheme). The details are profiled on APIs.io as EnvelopeBudget Authentication.

How much does the EnvelopeBudget API cost?

EnvelopeBudget publishes its prices; its Monthly plan is $4/month as of 2026-11-07. APIs.io lists 3 pricing plans for EnvelopeBudget, with each plan's price, limits and inclusions under Pricing on this page.

Is the EnvelopeBudget API ready for AI agents?

EnvelopeBudget has a Kin Score of 53.5 out of 100 (developing) and an Agent Readiness score of 39.3 (agent-ready), scored by API Evangelist on 2026-11-13.

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