Simple Budget Envelopes vs Finance Tracker +
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Unlimited digital envelopes
- Add/subtract funds easily
- Track remaining budget
- No sign-in required
- No in-app purchases
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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.
Finance Tracker +
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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
Verdict
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
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.
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.
| Parameter | Simple Budget Envelopes | Finance Tracker + |
|---|---|---|
| Price | $0.99 | Free — better |
| Rating | 4.6 (115 ratings) — better | — |
| Positive reviews | 88.9% of reviews | — |
| Number of ratings | 115 — better | — |
| Update frequency | Every 5 months | Every 2 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Best chart rank | #152 — better | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 18.6 |
| Further details — not scored | ||
| Size | 1 MB | 10 MB |
| Age rating | 4+ | 4+ |
| Developer | Joseph Palmer | Kyle 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
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- 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
Simple Budget Envelopes
No in-app purchases
Finance Tracker +
No in-app purchases
Questions
Is Simple Budget Envelopes free?
Is Finance Tracker + free?
Do Simple Budget Envelopes or Finance Tracker + have ads?
Which is updated more often, Simple Budget Envelopes or Finance Tracker +?
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