# Saving Money Challenge vs Savings Tracker

The clearest difference is rating: Saving Money Challenge at 4.8 against Savings Tracker's 4.0. Saving Money Challenge also leads on update cadence (every 3 weeks vs every 7 months) and ratings volume (445 vs 1). Savings Tracker's advantage is in-app purchases (none vs 14) and device support (3 vs 1). On price and ads there is nothing between them.

Both are free to download. Saving Money Challenge sells 13 in-app purchases, starting at $1.99 per month. Savings Tracker asks for nothing beyond the download.

Saving Money Challenge holds the better App Store score, 4.8 against 4.0. That said, the two scores are not equally well evidenced: Saving Money Challenge has 445 ratings behind it against 1, so its average is the more settled of the two.

Saving Money Challenge ships an update every 3 weeks, Savings Tracker every 7 months. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Saving Money Challenge | Savings Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (445 ratings)](https://appshunter.io/ios/app/saving-money-challenge/id1578843165/reviews)** | [4.0 (1 ratings)](https://appshunter.io/ios/app/savings-tracker-savekit/id6742649513/reviews) |
| Number of ratings | **445** | 1 |
| Positive reviews | 51.5% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 7 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 50 MB | 51 MB |
| Requires iOS | 18.6 | **13.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Mihail Kuznecovs](https://appshunter.io/developer/1467148695) | [Picture Vision Studio LLC](https://appshunter.io/developer/1573119875) |

## What reviewers say

### Saving Money Challenge

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

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.

**Highlights:** Envelope savings challenge tracker, Customizable savings goals, Daily money saving, Track progress towards goals, Surprise savings amounts

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

**In-app purchases (13)**

| 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 |
| Small Tip | $0.99 | one-time |
| Design Bundle | $3.99 | one-time |
| Analytics Bundle | $3.99 | one-time |
| Medium Tip | $4.99 | one-time |
| Large Tip | $9.99 | 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

[App page](https://appshunter.io/ios/app/savings-tracker-savekit/id6742649513)

Easily track your income, expenses, and savings with a clean and intuitive interface. Gain insights into your financial activity with simple monthly summaries and build better money habits.

**Highlights:** Track income and expenses, View monthly balances and trends, One-tap transaction entry, Clear transaction history, Personalized profile and setup

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

**In-app purchases:** none


## Frequently asked questions

### Is Saving Money Challenge free?

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

### Is Savings Tracker free?

Savings Tracker is free to download, with no in-app purchases.

### Which has better reviews, Saving Money Challenge or Savings Tracker?

Saving Money Challenge is rated higher. Saving Money Challenge averages 4.8 out of 5 from 445 ratings, while Savings Tracker averages 4.0 from 1 ratings.

### Do Saving Money Challenge or Savings Tracker have ads?

Neither Saving Money Challenge nor Savings Tracker shows ads.

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

Saving Money Challenge ships an update every 3 weeks, and Savings Tracker every 7 months. Most recently, Saving Money Challenge was updated on October 25, 2026 and Savings Tracker on October 24, 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.*