Comparison

Simple Budget vs Simple Budget

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

Head to head
About

Simple Budget

This financial tool simplifies budgeting using the envelope system with digital enhancements. Manually track expenses, gain powerful insights into spending habits, and forecast future financial scenarios to grow your savings. Access your budget across devices with phone number sign-up.

Highlights
  • Envelope budgeting system
  • Manual transaction entry
  • Spending insights and analysis
  • Budget calculator
  • Cross-device access
  • Transaction export
Features
Read full description

Simple Budget is a hands-on budgeting app for people who want control over where their money goes. SEE WHERE YOUR MONEY GOES Break your spending down into categories, and give each category a budget. By planning your spending ahead of time, you can build savings directly into your budget, allowing you to have guilt-free spending money while still keeping up with your savings. Track your spending habits with Simple Budget to see if your spending matches your goals. HANDS-ON, WITHOUT THE HASSLE Stay close to your spending to see exactly where your money is going. Avoid the set-it-and-forget-it model and plan for every dollar. When you see each one coming in and out, you understand what you're spending and what you're saving. PLAN FOR THE FUTURE, LEARN FROM THE PAST • Plan your spending ahead of time, from retirement savings to weekend shopping. • Budget Calculator: see how your month ends up after the bills you know are coming, before you decide on that splurge. • Projected spending and savings for the current month. • Recurring income on any schedule: weekly, biweekly, monthly and more. • Year Savings: income, spending and savings for every month of the year. • Spending History: track your spending habits month to month. ENVELOPE BUDGETING, MADE EASY Building your budget is quick and easy with customizable, pre-built budget categories. Find what applies to you, tailor it to your needs, and build a budget that works for you. YOUR BUDGET, YOUR WAY • Track balances across your accounts, free. • Search, filter and sort every transaction, free. • Export your transactions to CSV anytime, free. • Sign in with your phone number and pick up your budget on any device, free. FREE AND PREMIUM Simple Budget is built for everyone, and stays affordable for anyone looking for extra budgeting firepower. The core of Simple Budget is free: budgets and categories, transactions, accounts, income, monthly insights and CSV export. Premium adds detailed category insights and trends, yearly insights, full Budget Calculator editing, history from previous years, and more. Simple Budget Premium is an auto-renewing subscription, billed monthly or annually. Payment is charged to your Apple ID at confirmation of purchase. Your subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Questions or ideas? luke@pgmediasolutions.com Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.gosimplebudget.com/privacy-policy

About

Simple Budget

Manage your personal finances with this straightforward expense tracker. Monitor spending, set savings goals, and track bills and debt. Offers offline access, automatic cloud backup, and customizable reports to help you stay on top of your money.

Highlights
  • Expense and income tracking
  • Budget planning and savings goals
  • Debt and bill management
  • Offline finance management
  • Automatic cloud backup
  • Customizable expense categories
  • Forecasting future expenses
Features
Read full description

Simple Budget is a private expense tracker and budget planner that works completely offline — no bank login, no signup, nothing to connect. Add an expense, log your income, and see exactly where your money goes. If you've tried a budgeting app that wanted your bank password before you'd even set a budget, Simple Budget is the alternative: every number comes from you, stored on your device, not pulled from a linked account. WHAT'S INSIDE • Expense & income tracking, with a real-time balance by day, week or month • A budget planner with overspend alerts, so you know before you go over • Bills & recurring payments, with start and end dates — mark each one paid or pending • A two-year calendar view of every expense and bill • Weekly and monthly reports with a top-5 category pie chart, plus 5 monthly spending insights • Savings goals and a debt tracker, so paying things off feels like progress, not guesswork • Custom categories, duplicate-in-one-tap entries, search and export • Free cloud backup and restore • Daily and weekly reminders, dark mode, and 9 in-app languages (English, Spanish, French, German, Korean, Japanese, Portuguese, Chinese, Hindi) WHO IT'S FOR Students working with a fixed allowance. Freelancers whose income changes every month. Households and couples splitting bills who want one clear picture instead of two separate mental tallies. Anyone who'd rather type in a number than link a bank account to a stranger's server. FREE TO USE, WITH OPTIONAL PREMIUM Simple Budget is free to use, supported by ads, with a generous free plan that covers every core feature — expense tracking, budgets, bills, reports, savings goals and the debt tracker included. Premium (monthly subscription or a one-time lifetime purchase) removes ads, unlocks unlimited accounts and budgets, and adds extra spending insights. There's no requirement to upgrade to use the app for real budgeting. THE PRIVACY PART Simple Budget doesn't ask for a bank login, and it works fully offline — your expenses and budgets live on your device. The app does show ads and, if you choose to back up or restore your data, that data is linked to your account so it can be restored later; our full privacy details are in the App Privacy section below. Download Simple Budget and set up your first budget in under a minute. Please find our Terms of Use, Privacy Policy and Support Centre links below. Terms of use: https://simplebudget.online/apps/terms/simplebudget/ Privacy Policy: https://simplebudget.online/policysimplebudget/ Help Centre: https://simplebudget.online/apps/support/simplebudget/

Screenshots

Simple Budget4 screens
Simple Budget4 screens

Verdict

The call

The clearest difference is rating: Simple Budget at 5.0 against Simple Budget's 4.5. Simple Budget also leads on update cadence (weekly vs every 3 months). Simple Budget's advantage is ads (none vs shown) and ratings volume (54 vs 1). On price, review sentiment, in-app purchases and monetization model 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. Simple Budget sells 2 in-app purchases, starting at $0.99 per month and Simple Budget sells 4 in-app purchases, starting at $1.99 per 7 days. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Simple Budget holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: Simple Budget has 54 ratings behind it against 1, so its average is the more settled of the two. Written reviews split almost evenly too, at 67% and 67% positive.

UpkeepUpdate frequency

Simple Budget ships an update every 3 months, Simple Budget weekly. The most recent releases landed on October 30, 2026 and October 24, 2026 respectively.

Scorecard4 real differences · 6 level
Simple Budget versus Simple Budget: the parameters behind the verdict, then further details
ParameterSimple BudgetSimple Budget
PriceFreeFree
Rating4.5 (54 ratings)5.0 (1 ratings) — better
Positive reviews66.7% of reviews66.7% of reviews
Number of ratings54 — better1
Update frequencyEvery 3 monthsWeekly — better
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.615.6
Further details — not scored
Size59 MB73 MB
Age rating4+4+
DeveloperLuke BradyWaheed Nazir

Customer experience

Simple Budget

All ratings50 ratings
Positive86.0%
Neutral4.0%
Negative10.0%
Written reviews9 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

Simple Budget

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews6 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

In-app purchases

2 purchases

Simple Budget

Subscriptions2
  • Monthly Premium Subscription1 Month trial$0.991 Month
  • Annual Premium Subscription$9.991 Year
4 purchases

Simple Budget

Subscriptions3
  • Premium (Weekly)$1.997 Days
  • Monthly Subscription$4.991 Month
  • Premium (Yearly)$44.991 Year
One-time1
  • Lifetime$69.99

Questions

Is Simple Budget free?
Simple Budget is free to download, with in-app purchases available.
Is Simple Budget free?
Simple Budget is free to download, with in-app purchases available.
Which has better reviews, Simple Budget or Simple Budget?
Simple Budget is rated higher. Simple Budget averages 4.5 out of 5 from 54 ratings, while Simple Budget averages 5.0 from 1 ratings.
Do Simple Budget or Simple Budget have ads?
Simple Budget shows ads; Simple Budget does not.
Which is updated more often, Simple Budget or Simple Budget?
Simple Budget ships an update every 3 months, and Simple Budget weekly. Most recently, Simple Budget was updated on October 30, 2026 and Simple Budget on October 24, 2026.

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