Comparison

Simple Budget Envelopes vs Finance Tracker +

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Simple Budget Envelopes

Easily track your remaining budget with an unlimited number of digital envelopes. Add or subtract funds as you spend or receive money. This straightforward app requires no sign-in or in-app purchases.

Highlights
  • Unlimited digital envelopes
  • Add/subtract funds easily
  • Track remaining budget
  • No sign-in required
  • No in-app purchases
Features
Currently charting
Read full description

An incredibly simple app, perfect for keeping track of how much money remains in your budget. Simple Budget Envelopes allows you to have as many envelopes as you need, then add or subtract as you receive or spend money. No in-app purchases. Yours to simply use as you like.

About

Finance Tracker +

Features
Read full description

Finance Tracker + makes it simple to see where your money goes each month, keep on top of bills and plan ahead. TRACK EVERY MONTH • Log income and outgoings month by month, with totals, paid and unpaid amounts, and your balance at a glance • Organise transactions with categories, icons and colours, and create your own • Set up recurring income and bills (weekly, fortnightly, four-weekly, monthly or yearly) and they're added for you • Mark bills as paid one at a time or in bulk • Get a warning when a new transaction looks like a duplicate NEVER MISS A BILL • Add a due date and get a reminder the day before • "Due soon" and "Overdue" badges show what needs paying PLAN AHEAD • Cash flow forecast: see your projected balance for the next 3, 6 or 12 months, based on your recurring income and bills • Charts for income vs expenses, balance, spending by category and trends over time • Monthly budgets per category, with a clear warning when you go over, and copy last month's budgets in one tap • Savings, debt and investment goals with progress tracking RECEIPTS • Attach a photo of a receipt to any transaction • Text recognition on your device can fill in the details from the receipt for you YOUR DATA, YOUR WAY • Syncs between your iPhone and iPad through your private iCloud account, or turn sync off to keep everything on this device • Export to CSV for Excel or Numbers • Back up everything to a file and restore it on any device • Works in your choice of currency PRIVATE AND SECURE • No sign-up, no ads, no tracking • Lock the app with Face ID, Touch ID or your passcode, and your finances are hidden in the app switcher Perfect for personal budgeting, keeping on top of bills and reaching your savings goals.

Screenshots

Simple Budget Envelopes4 screens
Finance Tracker +4 screens

Verdict

The call

The clearest difference is price: Finance Tracker + at Free against Simple Budget Envelopes's $0.99. Finance Tracker + also leads on update cadence (every 2 days vs every 5 months). Simple Budget Envelopes's advantage is chart position (#152 vs unranked) and iOS requirement (15.0 vs 18.6). On ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Finance Tracker + is free to download; Simple Budget Envelopes costs $0.99 up front. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Simple Budget Envelopes ships an update every 5 months, Finance Tracker + every 2 days. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.

Scorecard4 real differences · 7 level
Simple Budget Envelopes versus Finance Tracker +: the parameters behind the verdict, then further details
ParameterSimple Budget EnvelopesFinance Tracker +
Price$0.99Free — better
Rating4.6 (115 ratings) — better—
Positive reviews88.9% of reviews—
Number of ratings115 — better—
Update frequencyEvery 5 monthsEvery 2 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
Best chart rank#152 — better—
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better18.6
Further details — not scored
Size1 MB10 MB
Age rating4+4+
DeveloperJoseph PalmerKyle Bartlett

Bugs and requests

Simple Budget Envelopes

Reported bugs

3 issues
  • New update whites out numbers and envelopes are blank
  • App crashes when trying to open envelopes after an update
  • White on white text in dark mode, making text entry impossible

Requested features

26 requests
  • Add a tutorial within the app
  • Add a button to reset all envelope balances at once
  • More color options for envelopes
  • Ability to sort envelopes
  • Running balance for each envelope
Show 21 more
  • Ability to put dates on transactions
  • Form field in envelopes to note budget amount from each paycheck
  • Ability to customize envelopes with pictures
  • Make the app shareable with a spouse
  • Make sub-envelopes within an envelope
  • Support multi-device syncing
  • Option to list transactions newest to oldest
  • Create a way to have envelopes start from scratch each month
  • Add a date next to input items
  • Ability to edit a transaction
  • Sync across devices
  • Change the color of envelopes
  • Add a memo feature for transactions
  • Add a budget limit for envelopes
  • Create a transaction statement
  • Ability to sync with a husband's app for real-time updates
  • Display total amount budgeted vs total spent at the top
  • Option for making notes on transactions
  • Standard 'delete and reorder' UI
  • Way to rename accounts
  • Add a budget limit so users know what number to stay under

Finance Tracker +

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Simple Budget Envelopes

No in-app purchases

None

Finance Tracker +

No in-app purchases

Questions

Is Simple Budget Envelopes free?
Simple Budget Envelopes costs $0.99, with no in-app purchases.
Is Finance Tracker + free?
Finance Tracker + is free to download, with no in-app purchases.
Do Simple Budget Envelopes or Finance Tracker + have ads?
Neither Simple Budget Envelopes nor Finance Tracker + shows ads.
Which is updated more often, Simple Budget Envelopes or Finance Tracker +?
Simple Budget Envelopes ships an update every 5 months, and Finance Tracker + every 2 days. Most recently, Simple Budget Envelopes was updated on October 29, 2026 and Finance Tracker + on October 24, 2026.

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