# Savings Challenge vs SetAside

The clearest difference is rating: Savings Challenge at 4.7 against SetAside's 1.0. Savings Challenge also leads on ratings volume (446 vs 1) and update cadence (every 3 weeks vs every 2 months). SetAside's advantage is review sentiment (67% vs 53%). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Savings Challenge sells 9 in-app purchases, starting at $1.99 per month and SetAside sells 1 in-app purchase, starting at $15.99 per year. Whichever you choose, the download price is not the number that matters.

Savings Challenge holds the better App Store score, 4.7 against 1.0. That said, the two scores are not equally well evidenced: Savings Challenge has 446 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 53% of Savings Challenge's written reviews are positive against 67% of SetAside's, so the app with the better star average is not the one people write more warmly about.

Savings Challenge ships an update every 3 weeks, SetAside every 2 months. The most recent releases landed on November 7, 2026 and November 1, 2026 respectively.

## The numbers

| Metric | Savings Challenge | SetAside |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (446 ratings)](https://appshunter.io/ios/app/savings-challenge-savelope/id1578843165/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/setaside-sinking-funds-app/id6754886161/reviews) |
| Number of ratings | **446** | 1 |
| Positive reviews | 52.9% of reviews | **66.7% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | Freemium |
| Size | 49 MB | 13 MB |
| Requires iOS | 18.6 | 18.6 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Mihail Kuznecovs](https://appshunter.io/developer/1467148695) | [ichbinjona.com](https://appshunter.io/developer/1850750806) |

## 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 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 (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


### SetAside

[App page](https://appshunter.io/ios/app/setaside-sinking-funds-app/id6754886161)

This app helps you manage future expenses by breaking them down into manageable monthly savings goals. It uses the sinking funds method to prevent overspending and reduce financial stress. Plan for large, infrequent purchases without impacting your daily budget.

**Highlights:** Virtual sub-accounts for savings, Sinking funds method implementation, Automatic monthly transfer calculation, Track individual future expenses, Reduces financial stress, Builds healthy money habits

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SetAside Pro | $15.99 | per year |


## Frequently asked questions

### Is Savings Challenge free?

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

### Is SetAside free?

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

### Which has better reviews, Savings Challenge or SetAside?

Savings Challenge is rated higher. Savings Challenge averages 4.7 out of 5 from 446 ratings, while SetAside averages 1.0 from 1 ratings.

### Do Savings Challenge or SetAside have ads?

Neither Savings Challenge nor SetAside shows ads.

### Which is updated more often, Savings Challenge or SetAside?

Savings Challenge ships an update every 3 weeks, and SetAside every 2 months. Most recently, Savings Challenge was updated on November 7, 2026 and SetAside on November 1, 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.*