Comparison

Simple Expense Tracker vs Envelopes

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

Head to head
About

Simple Expense Tracker

Easily manage your spending and stay within your budget. Track expenses in real-time, set spending limits, and receive visual cues as you approach or exceed your budget.

Highlights
  • Create custom budgets
  • Track expenses in real-time
  • Visual budget indicators (orange/red)
  • Monitor budget period progress
  • Review and delete past transactions
Features
Read full description

Simple Expense Tracker helps you stick to your budget! Add transactions as you spend, keep track of your expense in real time. Set a budget and stick to it! Features: - Create your budget including spend limit, period (weekly, fortnightly, monthly) and day of the week to start on - Each time you spend, add a transaction with the amount and an optional description (takes 2 seconds!) - Figures will change orange when you are close to your spend limit and red when you have exceeded it - Track how far through your budget period you are vs how much of your spend limit has been used - Review past transactions and delete as necessary (e.g items which were part of last budget period)

About

Envelopes

This app helps you manage your money by allocating funds into different spending categories, or "envelopes." You can quickly log expenses to track where your money goes and then refill your envelopes as needed to reach your financial goals.

Highlights
  • Envelope budgeting system
  • Expense logging
  • Financial goal tracking
  • Money allocation
  • Spending mindfulness
Features
Read full description

The Envelopes app empowers you to gain control over your finances. Allocate money to "Envelopes", different buckets of your spending. As you spend money, quickly log your expenses and be mindful where your money goes. At the end of the week, month, or when you pay check comes in, refill the envelopes and celebrate your steps towards wealth. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Simple Expense Tracker4 screens
Envelopes4 screens

Verdict

The call

The clearest difference is rating: Envelopes at 5.0 against Simple Expense Tracker's 2.0. Envelopes also leads on review sentiment (100% vs 75%) and ratings volume (7 vs 1). Simple Expense Tracker's advantage is in-app purchases (none vs 2) and update cadence (every 3 days vs every 2 weeks). On price, ads 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

Both are free to download. Envelopes sells 2 in-app purchases, starting at $0.99 per month. Simple Expense Tracker asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Envelopes holds the better App Store score, 5.0 against 2.0. That said, the two scores are not equally well evidenced: Envelopes has 7 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 75% of Simple Expense Tracker's written reviews are positive against 100% of Envelopes's.

UpkeepUpdate frequency

Simple Expense Tracker ships an update every 3 days, Envelopes every 2 weeks. The most recent releases landed on November 2, 2026 and November 4, 2026 respectively.

Scorecard7 real differences · 3 level
Simple Expense Tracker versus Envelopes: the parameters behind the verdict, then further details
ParameterSimple Expense TrackerEnvelopes
PriceFreeFree
Rating2.0 (1 ratings)5.0 (7 ratings) — better
Positive reviews75.0% of reviews100.0% of reviews — better
Number of ratings17 — better
Update frequencyEvery 3 days — betterEvery 2 weeks
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPodiPhone, iPad
Requires iOS11.0 — better18.0
Further details — not scored
Size11 MB9 MB
Age rating4+4+
DeveloperMitchell DuncanJOSCHUA GLAU

Customer experience

Simple Expense Tracker

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews4 reviews
Positive75.0%
Neutral0.0%
Negative25.0%

Envelopes

All ratings7 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Simple Expense Tracker

No in-app purchases

2 purchases

Envelopes

Subscriptions2
  • Monthly$0.991 Month
  • Yearly7 Days trial$4.991 Year

Questions

Is Simple Expense Tracker free?
Simple Expense Tracker is free to download, with no in-app purchases.
Is Envelopes free?
Envelopes is free to download, with in-app purchases available.
Which has better reviews, Simple Expense Tracker or Envelopes?
Envelopes is rated higher. Simple Expense Tracker averages 2.0 out of 5 from 1 ratings, while Envelopes averages 5.0 from 7 ratings.
Do Simple Expense Tracker or Envelopes have ads?
Neither Simple Expense Tracker nor Envelopes shows ads.
Which is updated more often, Simple Expense Tracker or Envelopes?
Simple Expense Tracker ships an update every 3 days, and Envelopes every 2 weeks. Most recently, Simple Expense Tracker was updated on November 2, 2026 and Envelopes on November 4, 2026.

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