100 envelope challenge
The 100 envelope challenge uses 100 envelopes numbered 1 to 100. Each day or payday you pick one at random and put in that many dollars. All 100 envelopes add up to $5,050.
Draw your envelopes below to get a dated plan, then tick them off or print the chart.
This plan adds up to
$5,050
100 deposits from Nov 7, 2026 to Feb 14, 2027.
- Biggest deposit
- $100
- Ticked off
- 0 of 100, $0
100 envelopes schedule
100 deposits
| Done | # | Date | Amount | Total |
|---|---|---|---|---|
| 1 | Nov 7, 2026 | $8 | $8 | |
| 2 | Nov 8, 2026 | $81 | $89 | |
| 3 | Nov 9, 2026 | $21 | $110 | |
| 4 | Nov 10, 2026 | $75 | $185 | |
| 5 | Nov 11, 2026 | $99 | $284 | |
| 6 | Nov 12, 2026 | $66 | $350 | |
| 7 | Nov 13, 2026 | $97 | $447 | |
| 8 | Nov 14, 2026 | $83 | $530 | |
| 9 | Nov 15, 2026 | $98 | $628 | |
| 10 | Nov 16, 2026 | $70 | $698 | |
| 11 | Nov 17, 2026 | $18 | $716 | |
| 12 | Nov 18, 2026 | $29 | $745 | |
| 13 | Nov 19, 2026 | $80 | $825 | |
| 14 | Nov 20, 2026 | $28 | $853 | |
| 15 | Nov 21, 2026 | $64 | $917 | |
| 16 | Nov 22, 2026 | $88 | $1,005 | |
| 17 | Nov 23, 2026 | $71 | $1,076 | |
| 18 | Nov 24, 2026 | $47 | $1,123 | |
| 19 | Nov 25, 2026 | $24 | $1,147 | |
| 20 | Nov 26, 2026 | $46 | $1,193 | |
| 21 | Nov 27, 2026 | $55 | $1,248 | |
| 22 | Nov 28, 2026 | $94 | $1,342 | |
| 23 | Nov 29, 2026 | $53 | $1,395 | |
| 24 | Nov 30, 2026 | $62 | $1,457 | |
| 25 | Dec 1, 2026 | $87 | $1,544 | |
| 26 | Dec 2, 2026 | $26 | $1,570 | |
| 27 | Dec 3, 2026 | $78 | $1,648 | |
| 28 | Dec 4, 2026 | $95 | $1,743 | |
| 29 | Dec 5, 2026 | $61 | $1,804 | |
| 30 | Dec 6, 2026 | $90 | $1,894 | |
| 31 | Dec 7, 2026 | $74 | $1,968 | |
| 32 | Dec 8, 2026 | $43 | $2,011 | |
| 33 | Dec 9, 2026 | $17 | $2,028 | |
| 34 | Dec 10, 2026 | $89 | $2,117 | |
| 35 | Dec 11, 2026 | $11 | $2,128 | |
| 36 | Dec 12, 2026 | $32 | $2,160 | |
| 37 | Dec 13, 2026 | $2 | $2,162 | |
| 38 | Dec 14, 2026 | $5 | $2,167 | |
| 39 | Dec 15, 2026 | $37 | $2,204 | |
| 40 | Dec 16, 2026 | $34 | $2,238 | |
| 41 | Dec 17, 2026 | $38 | $2,276 | |
| 42 | Dec 18, 2026 | $30 | $2,306 | |
| 43 | Dec 19, 2026 | $92 | $2,398 | |
| 44 | Dec 20, 2026 | $57 | $2,455 | |
| 45 | Dec 21, 2026 | $67 | $2,522 | |
| 46 | Dec 22, 2026 | $69 | $2,591 | |
| 47 | Dec 23, 2026 | $19 | $2,610 | |
| 48 | Dec 24, 2026 | $35 | $2,645 | |
| 49 | Dec 25, 2026 | $49 | $2,694 | |
| 50 | Dec 26, 2026 | $12 | $2,706 | |
| 51 | Dec 27, 2026 | $76 | $2,782 | |
| 52 | Dec 28, 2026 | $56 | $2,838 | |
| 53 | Dec 29, 2026 | $3 | $2,841 | |
| 54 | Dec 30, 2026 | $59 | $2,900 | |
| 55 | Dec 31, 2026 | $7 | $2,907 | |
| 56 | Jan 1, 2027 | $77 | $2,984 | |
| 57 | Jan 2, 2027 | $84 | $3,068 | |
| 58 | Jan 3, 2027 | $9 | $3,077 | |
| 59 | Jan 4, 2027 | $73 | $3,150 | |
| 60 | Jan 5, 2027 | $25 | $3,175 | |
| 61 | Jan 6, 2027 | $20 | $3,195 | |
| 62 | Jan 7, 2027 | $10 | $3,205 | |
| 63 | Jan 8, 2027 | $72 | $3,277 | |
| 64 | Jan 9, 2027 | $79 | $3,356 | |
| 65 | Jan 10, 2027 | $65 | $3,421 | |
| 66 | Jan 11, 2027 | $51 | $3,472 | |
| 67 | Jan 12, 2027 | $31 | $3,503 | |
| 68 | Jan 13, 2027 | $50 | $3,553 | |
| 69 | Jan 14, 2027 | $85 | $3,638 | |
| 70 | Jan 15, 2027 | $54 | $3,692 | |
| 71 | Jan 16, 2027 | $39 | $3,731 | |
| 72 | Jan 17, 2027 | $48 | $3,779 | |
| 73 | Jan 18, 2027 | $15 | $3,794 | |
| 74 | Jan 19, 2027 | $86 | $3,880 | |
| 75 | Jan 20, 2027 | $60 | $3,940 | |
| 76 | Jan 21, 2027 | $45 | $3,985 | |
| 77 | Jan 22, 2027 | $82 | $4,067 | |
| 78 | Jan 23, 2027 | $4 | $4,071 | |
| 79 | Jan 24, 2027 | $16 | $4,087 | |
| 80 | Jan 25, 2027 | $23 | $4,110 | |
| 81 | Jan 26, 2027 | $100 | $4,210 | |
| 82 | Jan 27, 2027 | $33 | $4,243 | |
| 83 | Jan 28, 2027 | $6 | $4,249 | |
| 84 | Jan 29, 2027 | $42 | $4,291 | |
| 85 | Jan 30, 2027 | $14 | $4,305 | |
| 86 | Jan 31, 2027 | $22 | $4,327 | |
| 87 | Feb 1, 2027 | $36 | $4,363 | |
| 88 | Feb 2, 2027 | $13 | $4,376 | |
| 89 | Feb 3, 2027 | $44 | $4,420 | |
| 90 | Feb 4, 2027 | $41 | $4,461 | |
| 91 | Feb 5, 2027 | $91 | $4,552 | |
| 92 | Feb 6, 2027 | $40 | $4,592 | |
| 93 | Feb 7, 2027 | $68 | $4,660 | |
| 94 | Feb 8, 2027 | $58 | $4,718 | |
| 95 | Feb 9, 2027 | $27 | $4,745 | |
| 96 | Feb 10, 2027 | $93 | $4,838 | |
| 97 | Feb 11, 2027 | $96 | $4,934 | |
| 98 | Feb 12, 2027 | $52 | $4,986 | |
| 99 | Feb 13, 2027 | $1 | $4,987 | |
| 100 | Feb 14, 2027 | $63 | $5,050 |
No interest is added. Every number here is plain arithmetic.
Your progress is saved in this browser only.
To improve these tools, we keep a rounded copy of the numbers and choices you enter. Names you type are kept only if they're common ones like Rent or Vacation. None of it is linked to your name or email. What we keep
How the draw and dates work
The calculator shuffles the envelopes and lays them out from your start date. With one a day, it takes 100 days. If you pick a finish date with fewer paydays than envelopes, it puts several envelopes on each date, so every payday holds about the same number of envelopes. The amounts still add up to $5,050.
The catch with random envelopes
A random draw means some days ask for $90 or more. Check the schedule for the large ones before you commit, and draw again if too many land close together. If you'd rather a smaller version, the 50 envelope challenge adds up to $1,275.
Read next
Questions
How much is the 100 envelope challenge in total?
$5,050. The envelopes hold $1 to $100, one of each. The 50 envelope version adds up to $1,275.
How long does the 100 envelope challenge take?
100 days if you fill one envelope a day. Move the finish date and the plan groups envelopes onto fewer days, for example two or three per payday.
How does the envelope draw work?
The calculator shuffles envelopes 1 to 100 and puts them in order on your dates, so you know in advance what each day costs. Draw again gives a new order. The order stays the same when you come back.
Do I need real envelopes?
No. Many people move the amount into a separate savings account instead and tick the envelope off here. Cash in envelopes at home is easy to borrow from.