A little at a time · 100 envelopes
Your 100-envelope plan.
Choose your unit. Make a grid. Mark each step in your own time.
Free calculator & printable · No account needed
Start with an amount that fits.
Challenge Contract · 100-envelope plan
Your 100-envelope grid
- Total planned
- Largest envelope
- Your window
All amounts are planned. Checkmarks are self-reported and do not verify deposits.
Apply sends only three rules and your dates, not the grid or its marks. Print to keep your envelope record; the tracker is for daily rule check-ins.
Marks are kept only while this page stays open. Refreshing, leaving, or generating a new plan clears them. Print before leaving to keep a copy.
No current envelope plan. Generate your grid before printing.
How does the 100 envelope challenge work?
Number 100 envelopes from 1 to 100. With a unit of 1.00, envelope 1 represents 1.00 and envelope 100 represents 100.00. You choose the order and decide when to complete them within your selected window. You can use the printable grid without buying a binder or handling cash.
How much money does the classic challenge add up to?
The numbers 1 through 100 total 5,050: 100 × 101 ÷ 2. Multiply that by your unit to get the planned total. At USD 1.00 per unit, that is USD 5,050.00, with USD 100.00 as the largest envelope.
Can I do it on a smaller budget?
Yes. Choose a smaller unit: 0.50 gives a planned total of 2,525.00 and a largest envelope of 50.00; 0.10 gives 505.00 and 10.00. The minimum unit, 0.01, gives 50.50 and 1.00. Choose amounts that fit your circumstances; a longer window changes the deadline but does not lower any envelope amount.
Can I set an exact target of 5,000?
This tool keeps each amount equal to its envelope number times one unit, with units in whole cents. It does not support arbitrary target totals. The classic plan is 5,050, not 5,000. For an exact target divided over dates, use the daily, weekly or 52-week savings calculator.
Does 100 envelopes mean 100 days?
Not necessarily. Here you choose a window of 7 to 366 days and complete the envelopes in any order. The tool does not assign one envelope to each date. It also does not support a 100-week contract, which is longer than the contract builder’s range.
Print a free 100-envelope tracker
Generate the grid, then use Print / Save PDF. In your browser’s print dialog, choose a printer or a PDF destination. The grid includes every envelope’s number and planned amount, plus the current self-reported marks. You do not need a special binder, paid download or account.
Prefer your own rules? Start a blank challenge contract.
For spending boundaries, see the no-spend month guide. For increasing, reverse or even weekly amounts, use the 52-week savings planner. Explore all personal challenges.