Envy vs 100 Envelope Challenge
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
100 Envelope Challenge
This app gamifies saving money by letting you track progress on various savings challenges, like the 100 Envelope Challenge. It offers visual feedback and customizable options to keep you motivated. Unlock all features with a one-time purchase.
- Gamified savings progress visualization
- Customizable challenge rules
- Multiple savings challenge types
- Streak tracking and motivation tools
- Home Screen widget for goal visibility
- Optional daily reminders
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Save $5,050 in 100 days — and actually enjoy doing it. The 100 Envelope Challenge is the savings method taking over TikTok, now a beautiful app for your iPhone. Number your envelopes 1 to 100, draw one each day, and stuff in that amount of cash. Fill all 100 and you've saved $5,050 — one small, satisfying step at a time. No bank linking. No account. Just you, your envelopes, and a wall that turns green as your savings grow. 【Saving that feels like a game】 Draw an envelope, flip it open, and watch the confetti fly. Every envelope you stuff turns green on your wall, your progress ring climbs, and your total ticks up — a little hit of motivation every single day. 【Play at your own pace】 Draw a random envelope or pick any one yourself. Save one a day, several at once, or catch up after a busy week. Stuffed a little more or less than the envelope said? Adjust the amount. It's your challenge, your rules. 【Stay motivated to the finish】 Track your current and longest streaks, see your savings curve climb over time, and get a projected finish date based on your real pace. An optional daily reminder keeps your streak alive, and a Home Screen widget keeps your goal in sight. 【More than one way to save】 Beyond the classic 100 Envelope Challenge, take on the 52-Week Challenge, the Penny Challenge, a Double It run, or build a fully custom challenge with your own amounts and length. 【Pay once. No subscription.】 Envelope100 is free to start. Unlock every challenge, remove ads, and run multiple challenges at once with a single one-time purchase — no subscriptions, no recurring charges, ever. Start your first envelope today and watch $5,050 add up faster than you'd think. 【Terms of Use (EULA)】 https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is ads: Envy at none against 100 Envelope Challenge's shown. Envy also leads on update cadence (every 6 days vs every 3 months) and ratings volume (836 vs 4). 100 Envelope Challenge's advantage is rating (5.0 vs 4.8). On price, in-app purchases, monetization model 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
Both are free to download. Envy sells 1 one-off in-app purchase and 100 Envelope Challenge sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.
100 Envelope Challenge holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Envy has 836 ratings behind it against 4, so its average is the more settled of the two.
Envy ships an update every 6 days, 100 Envelope Challenge every 3 months. The most recent releases landed on November 11, 2026 and October 31, 2026 respectively.
| Parameter | Envy | 100 Envelope Challenge |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (836 ratings) | 5.0 (4 ratings) — better |
| Positive reviews | 77.0% of reviews | — |
| Number of ratings | 836 — better | 4 |
| Update frequency | Every 6 days — better | Every 3 months |
| Ads | No — better | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 11 MB | 11 MB |
| Age rating | 4+ | 4+ |
| Developer | Chimpanzee, LLC | Ikuhei Kure |
Customer experience
Envy
100 Envelope Challenge
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
100 Envelope Challenge
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Envy
- Envy All Access$9.99
100 Envelope Challenge
- Premium$4.99
Questions
Is Envy free?
Is 100 Envelope Challenge free?
Which has better reviews, Envy or 100 Envelope Challenge?
Do Envy or 100 Envelope Challenge have ads?
Which is updated more often, Envy or 100 Envelope Challenge?
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