Comparison

Envy vs Expense Tracker

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

================== 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.

About

Expense Tracker

Effortlessly track your daily expenses with AI-powered logging and insightful chat-based queries. Visualize your spending patterns with clear charts and manage budgets automatically. Your financial data remains private and secure on your device.

Highlights
  • AI-powered expense logging via text or receipts
  • Chat interface for asking spending questions
  • Visual spending charts and calendar view
  • Automatic recurring bill logging
  • Monthly budget tracking
  • Data privacy with no bank login required
  • CSV/Excel import for history migration
Read full description

It's not another budgeting app. It's knowing exactly where every dollar goes, every day. Type "Coffee $4" and AI logs it with the right category. Snap a receipt and AI extracts every line. Ask "How much on food this month?" and get an instant answer in chat. Three seconds a day. Total clarity on your money. Switching from another app? Bring your history with you. Import CSV or Excel exports in minutes. EFFORTLESS LOGGING Logging an expense takes one short sentence. Type "Lunch $12 yesterday" and DaTrack picks the date, amount, and category. Snap a receipt and AI extracts every item. No forms. No dropdowns. No friction. ASK YOUR MONEY ANYTHING Ever wonder where your coffee budget went? Ask DaTrack. The AI Chat reads your spending and answers in plain English. "How much on food this month?" "What did I spend last weekend?" Get instant clarity without digging through spreadsheets. SEE THE FULL PICTURE A clean calendar shows every day's spending at a glance. Tap any day for the details. Switch to charts and watch your money flow across categories, weeks, and months. Patterns you never noticed become obvious. STAY ON TRACK AUTOMATICALLY Set a monthly budget once and watch your remaining balance live. Add recurring bills like rent or subscriptions and DaTrack logs them for you. A daily reminder keeps the habit going without nagging. PRIVATE BY DEFAULT No bank login. No account required. Your spending stays on your device, secured by iCloud. We never see your data. WHAT PRO UNLOCKS DaTrack is free to start. Manual logging, calendar view, daily reminders, and CSV export are always free. Pro adds the AI that makes everything effortless: • Import your history from CSV or Excel files • Log expenses in plain words with AI • Snap receipts and let AI extract them • Ask questions about your spending in chat • Advanced charts and statistics • Monthly budgets with category allocation • Recurring expenses and bills PRO SUBSCRIPTION • Yearly: best value, starts with a 7-day free trial • Monthly: no commitment, cancel anytime • Lifetime: one payment, Pro for good, no subscription Your exact price is shown above in your local currency. Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless canceled at least 24 hours before the end of the current period. You can manage and cancel subscriptions in your Account Settings. Any unused portion of a free trial will be forfeited upon purchasing a subscription. Privacy Policy: https://quoc48.github.io/datrack-legal/privacy Terms of Use: https://quoc48.github.io/datrack-legal/terms

Screenshots

Envy4 screens
Expense Tracker4 screens

Verdict

The call

The clearest difference is device support: Envy at 3 against Expense Tracker's 1. Envy also leads on iOS requirement (15.0 vs 17.0). 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Envy sells 1 one-off in-app purchase and Expense Tracker sells 4 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for Envy against 4.8 for Expense Tracker. Both are backed by a comparable volume of ratings — 831 and 784 respectively. Written reviews are what separate them: 77% of Envy's written reviews are positive against 71% of Expense Tracker's.

UpkeepUpdate frequency

Envy ships an update every 6 days, Expense Tracker every 4 days. The most recent releases landed on October 21, 2026 and October 20, 2026 respectively.

Scorecard2 real differences · 8 level
Envy versus Expense Tracker: the parameters behind the verdict, then further details
ParameterEnvyExpense Tracker
PriceFreeFree
Rating4.8 (831 ratings)4.8 (784 ratings) — better
Positive reviews77.0% of reviews — better71.4% of reviews
Number of ratings831 — better784
Update frequencyEvery 6 daysEvery 4 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better17.0
Further details — not scored
Size6 MB26 MB
Age rating4++4
DeveloperChimpanzee, LLCQuoc Phan

Customer experience

Envy

All ratings822 ratings
Positive94.2%
Neutral2.8%
Negative3.0%
Written reviews161 reviews
Positive77.0%
Neutral13.0%
Negative9.9%

Expense Tracker

All ratings784 ratings
Positive94.8%
Neutral3.6%
Negative1.7%
Written reviews7 reviews
Positive71.4%
Neutral0.0%
Negative28.6%

Bugs and requests

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

Expense Tracker

Not enough reviews yet to summarise bugs or requests.

In-app purchases

1 purchases

Envy

One-time1
  • Envy All Access$9.99
4 purchases

Expense Tracker

Subscriptions2
  • Pro Monthly$4.991 Month
  • Pro Yearly7 Days trial$34.991 Year
One-time2
  • DaTrack Pro Lifetime Launch$69.99
  • DaTrack Pro Lifetime$99.99

Questions

Is Envy free?
Envy is free to download, with in-app purchases available.
Is Expense Tracker free?
Expense Tracker is free to download, with in-app purchases available.
Which has better reviews, Envy or Expense Tracker?
Expense Tracker is rated higher. Envy averages 4.8 out of 5 from 831 ratings, while Expense Tracker averages 4.8 from 784 ratings.
Do Envy or Expense Tracker have ads?
Neither Envy nor Expense Tracker shows ads.
Which is updated more often, Envy or Expense Tracker?
Envy ships an update every 6 days, and Expense Tracker every 4 days. Most recently, Envy was updated on October 21, 2026 and Expense Tracker on October 20, 2026.

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