# Budget Envelopes vs Split My Paycheck

The clearest difference is in-app purchases: Split My Paycheck at none against Budget Envelopes's 2. On price, rating, ratings volume and update cadence there is nothing between them.

Both are free to download. Budget Envelopes sells 2 in-app purchases, starting at $1.99 per month. Split My Paycheck asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 5.0 for Budget Envelopes against 5.0 for Split My Paycheck. Both are backed by a comparable volume of ratings — 5 and 2 respectively.

Budget Envelopes ships an update every 8 days, Split My Paycheck every 6 days. The most recent releases landed on October 26, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | Budget Envelopes | Split My Paycheck |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (5 ratings)](https://appshunter.io/ios/app/budget-envelopes/id1052741851/reviews) | [5.0 (2 ratings)](https://appshunter.io/ios/app/split-my-paycheck-budget-tool/id6758065548/reviews) |
| Number of ratings | **5** | 2 |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 8 days | **Every 6 days** |
| Monetization | Free | Free |
| Size | 13 MB | 7 MB |
| Requires iOS | 18.6 | **17.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Mobile Innovations LLC](https://appshunter.io/developer/314316469) | [Jonathan Burks](https://appshunter.io/developer/1822879152) |

## 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 |


### Split My Paycheck

[App page](https://appshunter.io/ios/app/split-my-paycheck-budget-tool/id6758065548)

Easily divide your income into a working budget using pre-set templates or custom categories. Track expenses in seconds and visualize your financial plan. No accounts, ads, or bank syncing required.

**Highlights:** Budget templates, Dollar allocation, Expense tracking, In-app tutorials, Data stays on device, No accounts or ads

**In-app purchases:** none


## Frequently asked questions

### Is Budget Envelopes free?

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

### Is Split My Paycheck free?

Split My Paycheck is free to download, with no in-app purchases.

### Which has better reviews, Budget Envelopes or Split My Paycheck?

Budget Envelopes and Split My Paycheck are both rated 5.0 out of 5 on the App Store, from 5 and 2 ratings respectively.

### Do Budget Envelopes or Split My Paycheck have ads?

Neither Budget Envelopes nor Split My Paycheck shows ads.

### Which is updated more often, Budget Envelopes or Split My Paycheck?

Budget Envelopes ships an update every 8 days, and Split My Paycheck every 6 days. Most recently, Budget Envelopes was updated on October 26, 2026 and Split My Paycheck on October 16, 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.*