# Budget Envelopes vs Budget Zero

The clearest difference is rating: Budget Envelopes at 5.0 against Budget Zero's 4.2. Budget Envelopes also leads on monetization model (free vs freemium). On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. Budget Envelopes sells 2 in-app purchases, starting at $1.99 per month and Budget Zero sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

Budget Envelopes holds the better App Store score, 5.0 against 4.2. Both are backed by a comparable volume of ratings — 5 and 5 respectively.

Budget Envelopes ships an update every 8 days, Budget Zero every 4 days. The most recent releases landed on October 14, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | Budget Envelopes | Budget Zero |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (5 ratings)](https://appshunter.io/ios/app/budget-envelopes/id1052741851/reviews)** | [4.2 (5 ratings)](https://appshunter.io/ios/app/budget-zero-envelope-planner/id6482576006/reviews) |
| Number of ratings | 5 | 5 |
| Positive reviews | — | 50.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 8 days | **Every 4 days** |
| Monetization | **Free** | Freemium |
| Size | 13 MB | 12 MB |
| Requires iOS | 18.6 | **18.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Mobile Innovations LLC](https://appshunter.io/developer/314316469) | [Grey Park, LLC](https://appshunter.io/developer/1739831354) |

## What reviewers say

### Budget Envelopes

[App page](https://appshunter.io/ios/app/budget-envelopes/id1052741851)

This app helps you manage your money using the envelope budgeting system. Track income, expenses, and savings with real-time budget monitoring. It offers insights and reports to help you stay within limits and reach your financial goals.

**Highlights:** Envelope budgeting system, Track income, expenses, and savings, Real-time budget tracking, Fast expense logging, Spending breakdown reports, Works offline, No ads or tracking

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Upgrade - Monthly | $1.99 | per month |
| Pro Upgrade - Yearly | $9.99 | per year |


### Budget Zero

[App page](https://appshunter.io/ios/app/budget-zero-envelope-planner/id6482576006)

This app offers a private and simple way to manage your money using a zero-based envelope budgeting system. It allows manual transaction logging without linking bank accounts, helping you track every dollar and stay mindful of your spending.

**Highlights:** Zero-based envelope budgeting, Manual transaction logging, No bank account linking, Private and secure, Offline functionality, Monthly budget periods

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $2.99 | per month |
| Yearly Subscription | $19.99 | per year |


## Frequently asked questions

### Is Budget Envelopes free?

Budget Envelopes is free to download, with in-app purchases available.

### Is Budget Zero free?

Budget Zero is free to download, with in-app purchases available.

### Which has better reviews, Budget Envelopes or Budget Zero?

Budget Envelopes is rated higher. Budget Envelopes averages 5.0 out of 5 from 5 ratings, while Budget Zero averages 4.2 from 5 ratings.

### Do Budget Envelopes or Budget Zero have ads?

Neither Budget Envelopes nor Budget Zero shows ads.

### Which is updated more often, Budget Envelopes or Budget Zero?

Budget Envelopes ships an update every 8 days, and Budget Zero every 4 days. Most recently, Budget Envelopes was updated on October 14, 2026 and Budget Zero on October 6, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*