# Savings Challenge vs Savings Tracker FINdependence

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.

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.

## The numbers

| Metric | Savings Challenge | Savings Tracker FINdependence |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (446 ratings)](https://appshunter.io/ios/app/savings-challenge-savelope/id1578843165/reviews)** | — |
| Number of ratings | **446** | — |
| Positive reviews | **52.9% of reviews** | 0.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 49 MB | 72 MB |
| Requires iOS | 18.6 | **14.0.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Mihail Kuznecovs](https://appshunter.io/developer/1467148695) | [Grzegorz Koziol](https://appshunter.io/developer/1593587644) |

## What reviewers say

### Savings Challenge

[App page](https://appshunter.io/ios/app/savings-challenge-savelope/id1578843165)

This app helps you achieve savings goals through a fun envelope challenge. You can use pre-set challenges or create your own with custom savings amounts and envelope numbers. It offers a unique and engaging way to build a savings routine.

**Highlights:** Envelope savings challenges, Customizable savings goals, Daily envelope saving, Motivation for saving, Digital money tracking

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (9)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly subscription | $1.99 | per month |
| Weekly subscription | $2.99 | per 7 days |
| Monthly subscription | $4.99 | per month |
| Yearly subscription | $5.99 | per year |
| Yearly subscription | $11.99 | per year |
| Yearly subscription | $11.99 | per year |
| Yearly subscription | $11.99 | per year |
| Design Bundle | $3.99 | one-time |
| Lifetime purchase | $19.99 | one-time |

**What reviewers like**

- 👍 Simple and well-done app
- 💡 Unique individual envelopes
- 👍 Keeps users motivated
- 👍 App doesn't link to bank accounts
- 👍 Fun and engaging saving method

**What reviewers complain about**

- 🐛 Glitches frequently
- 🤔 Unclear how money is sourced
- 🤔 Unclear how to withdraw funds
- 🐛 New update is problematic (hold down to register)
- 👎 High cost/subscription fee

**Reported bugs**

- 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

**Requested features**

- 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


### Savings Tracker FINdependence

[App page](https://appshunter.io/ios/app/savings-tracker-findependence/id6475792214)

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.

**Highlights:** 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

**Features:** Family Sharing

**In-app purchases (7)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlimited Access | $1.49 | per month |
| Extended Access | $1.99 | per month |
| Unlimited Access | $1.99 | per 7 days |
| Unlimited Access | $8.95 | per year |
| Unlimited Access 7-Day Trial | $8.95 | per year |
| Extended Access | $12.99 | per year |
| FINdependence Lifetime | $29.99 | one-time |


## Frequently asked questions

### Is Savings Challenge free?

Savings Challenge is free to download, with in-app purchases available.

### Is Savings Tracker FINdependence free?

Savings Tracker FINdependence is free to download, with in-app purchases available.

### Do Savings Challenge or Savings Tracker FINdependence have ads?

Neither Savings Challenge nor Savings Tracker FINdependence shows ads.

### Which is updated more often, Savings Challenge or Savings Tracker FINdependence?

Savings Challenge ships an update every 3 weeks, and Savings Tracker FINdependence fortnightly. Most recently, Savings Challenge was updated on November 7, 2026 and Savings Tracker FINdependence on November 4, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*