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The envelope challenge, without the printout.

The 100 envelope challenge comes to $5,050 — $1 through $100. Pick a preset or name your own number, then tap each deposit as you put it away.

Start from a preset

Or set your own below

Your challenge

You'll save

$5,050.00

100 deposits · 1.9 years

Checked off

$0.00

0% there

Tap one as you put it away

Checkmarks live in this tab only. Nothing is sent anywhere and nothing is saved.

What people ask about it

How much is the 100 envelope challenge?
$5,050. You fill 100 envelopes with $1 through $100, and 1+2+…+100 adds up to 5,050. Most people do two a week, which finishes it in about a year.
How long does the 100 envelope challenge take?
It depends only on how often you fill one. Two a week is 50 weeks. One a week is 100 weeks. One a day is a little over three months. Set the cadence above and it tells you.
What is the 52 week money challenge?
You save $1 in week one, $2 in week two, and so on to $52 in the final week — $1,378 by the end of the year. It's the same rising ladder as the envelope challenge, just spread over 52 deposits.
Can I do the challenge with a different amount?
Yes. Type any goal and any number of deposits. Rising builds a ladder that gets bigger each time; same-each-time splits the goal evenly. Both round up so you always land on or above your goal.
Do I need to print a chart?
No. The printable charts people search for exist to give you numbered boxes to cross off — this does that on the page, and it recalculates when you change the goal instead of making you find a new PDF.

Larder does this for every envelope, not just one

Larder keeps the plan instead of making you rebuild it every payday.

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  • Pro is optional

All amounts are computed in integer cents and rounded up when splitting a bill across paychecks, so a plan never funds a bill short. Pay-period counts follow the calendar: 52 weekly, 26 biweekly, 24 semi-monthly, 12 monthly. Built by Larder, makers of an envelope budgeting app for iPhone. Last reviewed .