SpendNotes vs Envy
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SpendNotes
Easily track daily income and expenses with an intuitive interface. Organize transactions, set budgets, and monitor financial goals. Offers detailed analytics and customizable PDF reports for better financial control.
- Track expenses and income
- Organize transactions by account
- Create custom categories
- Set daily, weekly, monthly, yearly budgets
- Define saving goals
- Finance overview with charts and tables
- Detailed analytics and PDF reports
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متوفر باللغة العربية. يوفر التقويم الهجري. SpendNotes is here to help you manage your spending with the least amount of effort. With this application we pursued to provide easy and beautiful way to track and view your daily income and expenses, so you can control your financial life better. SpendNotes provide very intuitive interface to do all of that, it also supports the latest feature from Apple in iOS 13 "Dark Mode". With SpendNotes, we guarantee not to save any of your data in our servers, nor use any of that for any kind of marketing analysis, so you can rest assured that no one else owns your data but you. Features include: 1. Tracking Track your expenses & income. 2. Accounts Organize your transactions into separate accounts according to their source or nature. 3. Categories Select a category for the tracked items. 4. Custom Categories Create custom category for tracking items. 5. Budgets Define budgets to control expenses over day, week, month, year or over a specific date range. 6. Saving Goals Define goals to better plan and save for you future expenses. 7. Finance Overview Intuitive chart and table for the summary of your finance over tracked periods. 8. Analytics Delve into many charts and diagrams that shows the very details of your transactions. 9. Planned Tracking Define plans to track recurring expenses & incomes, or to be paid at specific time in future. 10. PDF Reports Customize and export detailed reports of your finances in PDF format. All users have access to most of features offered by the app, And we offer an In-App purchase product "Plus", with which user can have access to the following features: 1. Define unlimited amount of accounts. 2. Define unlimited amount of budgets. 3. Define unlimited amount of saving goals. 4. Define daily, weekly & yearly budgets, in addition to monthly ones that is offered for free. 5. You can use iCloud to sync between your devices from Apple. 6. You can attach photo to your tracked items. 7. Define plans with more options to track recurring and upcoming items. 8. Export reports of your expenses in PDF format. Credits: Icons & illustrations by Icons8
Envy
Digitize your cash envelope budgeting system with this simple expense tracker. Organize your spending into unlimited digital envelopes, easily move transactions, and track your budget without linking bank accounts. Export your data and manage your money effectively.
- Unlimited digital envelopes
- Quick deposit refills
- Move transactions between envelopes
- Start envelopes with negative balances
- Export transactions as CSV
- Manual transaction entry under 5 seconds
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================== Recent 5-Star Reviews ================== "Love the simplicity of this app. We don't want to carry cash around but wanted to still utilize the envelope system. This is the best app so far." "I've gone through all the budgeting apps literally at least 30. All of them wanted my bank information, didn't offer digital envelopes, or was just over complicated! I needed an app that I could have 5-10 categories on that was easy to use and didn't require me to put in all my bills and total salary." "Good for people who want a simple way to track and control their spending. Very effective way of seeing what is left to spend. Clean and user-friendly interface." ================== Envy ================== After trying all the popular budgeting apps for years and running into the same issues over and over again.... • Ridiculous subscription models • Continually recategorizing transactions • Security concerns over linking cards and accounts • Complicated graphs and features • Long latency to update recent transactions • Creating login accounts over and over again • Verifying credentials repeatedly ...I created Envy. Simplistic budgeting that digitizes the cash envelope system and puts you back in the driver seat. Sure, it's manual but it's your money after all. • Create unlimited envelopes to organize your budget and manage your money easily* • Sync across your iPhone and iPad through your own iCloud. No accounts, no passwords, no servers in the middle. • Share a budget with a partner. Both sides see the same envelopes update in real time. • Set savings goals with target amounts and deadlines. See how much to set aside per day to hit every goal on time. • Track debts and money set aside separately, so they don't muddle your spendable total. • Quick deposit refills all of your envelopes in one click (you can choose whether to exclude envelopes from this feature) • Rename envelopes and update their budget without losing transactions. • Move transactions easily from one envelope to another • Start envelopes with negative balances if you're carrying a debt or an overspend • See all your transactions in one place outside of each category • Enter and edit transactions in under 5 seconds • Editorial Insights show where your money goes, month over month • Export your transactions as a CSV • Custom sorting or sort by date, transaction, amount, name, deposit and color • Based on your local currency • Light and dark mode that follow your system • Dedicated solo developer that responds to emails :) ~~~~~~~~~~~~~~~~~~~~~~~~~~~ ****TRY BEFORE YOU BUY • Free version provides limited envelopes and viewable transactions that demonstrate the functionality and ease of use.
Screenshots
Verdict
The clearest difference is update cadence: Envy at every 6 days against SpendNotes's every 3 weeks. On price, rating, review sentiment and ratings volume 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
Both are free to download. SpendNotes sells 3 in-app purchases, starting at $4.99 per 3 months and Envy sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.
On the App Store both sit at effectively the same score — 4.8 for SpendNotes against 4.8 for Envy. Both are backed by a comparable volume of ratings — 406 and 831 respectively. Written reviews are what separate them: 69% of SpendNotes's written reviews are positive against 77% of Envy's.
SpendNotes ships an update every 3 weeks, Envy every 6 days. Both last shipped on October 21, 2026.
| Parameter | SpendNotes | Envy |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (406 ratings) | 4.8 (831 ratings) — better |
| Positive reviews | 69.2% of reviews | 77.0% of reviews — better |
| Number of ratings | 406 | 831 — better |
| Update frequency | Every 3 weeks | Every 6 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Free with in-app purchases |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 15 MB | 6 MB |
| Age rating | 4+ | 4+ |
| Developer | Suhaib Al-Absi | Chimpanzee, LLC |
Customer experience
SpendNotes
Envy
User reviews
SpendNotes
From 406 App Store ratingsWhat we love
- 👍 Easy to use and track spending
- ⭐️ Excellent for financial management
- 💰 Inexpensive subscription/purchase
- ✨ Highly customizable
- 💯 Best app of its kind
Room to improve
- 🐛 Glitching during purchase
- 🤔 Some features not fully understood
- ⚠️ Widget issues after update
- 💸 Lifetime purchase price steep
- ❌ Inability to track category totals over time (initially)
Envy
From 831 App Store ratingsWhat we love
- 👍 Simple and easy to use
- 🚀 Straightforward envelope budgeting
- 🔒 No bank account required
- 💰 Affordable one-time purchase
- 🎨 Visually pleasing design
Room to improve
- 🔍 Limited envelope customization (renaming, reordering, deleting)
- 🔢 Inability to track cents/pennies
- 🔗 No multi-device sync or sharing
- 🔢 Envelope balance rounding issues
Bugs and requests
SpendNotes
Reported bugs
3 issues- App boots off when trying to purchase full version
- Widgets not showing properly after update
- Developer not responding to emails
Requested features
8 requests- Add a 'debts' section
- Add 'deposit', 'withdrawal', and 'savings' categories
- MAC compatibility
- Set budgets on a biweekly basis
- Add multiplication and division to the calculator
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- Create sub-categories for expenses and income
- Option for lifetime free access via sharing
- Change currency within the app
Envy
Reported bugs
2 issues- Inconsistent behavior when adding/editing transactions
- Screen size/layout issues on some devices
Requested features
5 requests- Ability to sort/reorder envelopes
- Option to track cents/pennies
- Multi-device sync and sharing
- Recurring transaction scheduling
- Envelope budgeting templates or presets
In-app purchases
SpendNotes
- SpendNotes Plus - 3 Months$4.993 Months
- SpendNotes Plus - Yearly$14.991 Year
- SpendNotes Plus - Lifetime$59.99
Envy
- Envy All Access$9.99









