Savings Challenge vs Savings Tracker FINdependence
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Savings Challenge
This app helps you achieve savings goals through a fun envelope challenge. You can either follow a pre-set 100-envelope challenge to save $5,050 or create your own custom savings plan with a set amount and number of envelopes.
- Envelope savings challenge tracker
- Customizable savings goals
- Daily money saving
- Track progress towards goals
- Surprise savings amounts
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Meet envelope savings tracker! Achieve your goals with the Envelope Challenge. Would you like to have extra $5,050? We dare you to take the Envelopes Challenge! Rules: 1. You have 100 envelopes with surprise number from $1 to $100. 2. Open one envelope per day and save this money. 3. After the 100th envelope you’ll achieve $5050! Is this surprise challenge not for you? Create a goal you want to achieve. Set up the savings sum and the amount of envelopes, that suites you. Add surprise challenge to your savings routine! EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Savings Tracker FINdependence
This app provides a clear and organized way to track your savings, investments, and debts. It helps you set financial goals, monitor your progress with visual dashboards, and build better money habits through smart insights and reminders. Plan your financial future with confidence.
- Track savings, investments, and debts
- Organize into categories and portfolios
- Import data via CSV or add accounts
- Manage 180+ currencies
- Set savings targets
- Visualize progress with dashboards
- AI financial coach insights
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Savings Tracker – Money Manager & Financial Goal Saving money shouldn’t feel complicated. Savings Tracker helps you see where your money is, where it’s going, and how close you are to your financial goals — all in one simple, easy-to-use app. Whether you're building an emergency fund, saving for something big, or working toward financial independence, this app keeps everything clear and organized. See All Your Money in One Place No more guessing. No more messy spreadsheets. - Track your savings, investments, and debts together - Organize everything into simple categories and portfolios - Import your data with a CSV file or add accounts in seconds - Manage money in 180+ currencies with live exchange rates It’s your full financial picture — at a glance. Stay Focused on Your Financial Goals Big goals become easier when you can see your progress. - Set clear savings targets - Track your journey toward financial independence - Use the future value calculator to see how your money could grow -Watch your progress update in a clean, visual dashboard Small steps. Real progress. Build Better Money Habits Consistency beats perfection. -Use simple strategies like DCA or value averaging - Get friendly reminders to save or invest - Follow daily stock and ETF price updates - See how your portfolio is performing over time No pressure. Just steady improvement. Smart Insights (Without the Jargon) - Get easy-to-understand tips from your AI financial coach - See your asset breakdown clearly - Stay informed with simple news summaries Everything is designed to help you feel more confident with your money — not overwhelmed. Planning Only — No Trading Savings Tracker is a money manager and financial goal planner. You can’t buy or sell stocks or crypto here. This app is built to help you track, plan, and grow — calmly and intentionally. Ready to feel more in control of your savings? Download Savings Tracker and start building your future today. By downloading this app, you agree to the Standard Apple Terms of Use: https://findependence.app/#eula
Screenshots
Verdict
The clearest difference is review sentiment: Savings Challenge at 53% against Savings Tracker FINdependence's 0%. Savings Tracker FINdependence's advantage is iOS requirement (14.0.0 vs 18.6). On price, update cadence, ads and in-app purchases 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. Savings Challenge sells 9 in-app purchases, starting at $1.99 per month and Savings Tracker FINdependence sells 7 in-app purchases, starting at $1.49 per month. Whichever you choose, the download price is not the number that matters.
Savings Challenge ships an update every 3 weeks, Savings Tracker FINdependence fortnightly. The most recent releases landed on November 7, 2026 and November 4, 2026 respectively.
| Parameter | Savings Challenge | Savings Tracker FINdependence |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (446 ratings) — better | — |
| Positive reviews | 52.9% of reviews — better | 0.0% of reviews |
| Number of ratings | 446 — better | — |
| Update frequency | Every 3 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 18.6 | 14.0.0 — better |
| Further details — not scored | ||
| Size | 49 MB | 72 MB |
| Age rating | 4+ | 4+ |
| Developer | Mihail Kuznecovs | Grzegorz Koziol |
Customer experience
Savings Challenge
Savings Tracker FINdependence
Bugs and requests
Savings Challenge
Reported bugs
6 issues- App glitches quite a bit
- Hold down the amount to get it to register is dumb (new update issue)
- Cannot create own challenge, it doesn't save
- App is buggy, cannot press back arrow on most screens
- Total saved amount keeps changing and is inaccurate
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- Cannot access settings, they won't open
Requested features
14 requests- Allow skipping and filling other envelopes before completing smaller amounts
- Allow setting multiple active challenges
- Ability to edit challenges without deleting
- Ability to pick a random envelope to use
- Ability to create own challenges that save
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- Option to skip an envelope or unclick it to move on
- Option to 'catch up' on opening envelopes if behind
- Option to pay out on payday
- Include an optional random number generator
- Create $5s and $10s challenges
- Make challenges scratches, revealing saved amount and waiting until tomorrow to scratch again
- Bring back the old design/font
- Allow users to change currency (e.g., to £)
- Allow users to access settings to change challenge amounts
Savings Tracker FINdependence
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Savings Challenge
- Monthly subscription3 Days trial$1.991 Month
- Weekly subscription3 Days trial$2.997 Days
- Monthly subscription2 variants$4.991 Month
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- Yearly subscription7 Days trial$5.991 Year
- Yearly subscription3 Days trial$11.991 Year
- Yearly subscription7 Days trial$11.991 Year
- Yearly subscription$11.991 Year
- Design Bundle$3.99
- Lifetime purchase$19.99
Savings Tracker FINdependence
- Unlimited Access$1.491 Month
- Extended Access$1.991 Month
- Unlimited Access$1.997 Days
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- Unlimited Access$8.951 Year
- Unlimited Access 7-Day Trial7 Days trial$8.951 Year
- Extended Access$12.991 Year
- FINdependence Lifetime$29.99
Questions
Is Savings Challenge free?
Is Savings Tracker FINdependence free?
Do Savings Challenge or Savings Tracker FINdependence have ads?
Which is updated more often, Savings Challenge or Savings Tracker FINdependence?
Other comparisons
