# Save Money Challenge vs 100 Envelope Challenge

The clearest difference is ads: Save Money Challenge at none against 100 Envelope Challenge's shown. Save Money Challenge also leads on ratings volume (445 vs 4) and update cadence (every 3 weeks vs every 3 months). 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.

Both are free to download. Save Money Challenge sells 14 in-app purchases, starting at $1.99 per month 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: Save Money Challenge has 445 ratings behind it against 4, so its average is the more settled of the two.

Save Money Challenge ships an update every 3 weeks, 100 Envelope Challenge every 3 months. The most recent releases landed on October 27, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Save Money Challenge | 100 Envelope Challenge |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (445 ratings)](https://appshunter.io/ios/app/save-money-challenge-savelope/id1578843165/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/100-envelope-challenge/id6779838041/reviews)** |
| Number of ratings | **445** | 4 |
| Positive reviews | 52.9% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | **Every 3 weeks** | Every 3 months |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 49 MB | 11 MB |
| Requires iOS | 18.6 | **17.0** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Mihail Kuznecovs](https://appshunter.io/developer/1467148695) | [Ikuhei Kure](https://appshunter.io/developer/1837581334) |

## What reviewers say

### Save Money Challenge

[App page](https://appshunter.io/ios/app/save-money-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 (14)**

| 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 | $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


### 100 Envelope Challenge

[App page](https://appshunter.io/ios/app/100-envelope-challenge/id6779838041)

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.

**Highlights:** 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

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium | $4.99 | one-time |


## Frequently asked questions

### Is Save Money Challenge free?

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

### Is 100 Envelope Challenge free?

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

### Which has better reviews, Save Money Challenge or 100 Envelope Challenge?

100 Envelope Challenge is rated higher. Save Money Challenge averages 4.8 out of 5 from 445 ratings, while 100 Envelope Challenge averages 5.0 from 4 ratings.

### Do Save Money Challenge or 100 Envelope Challenge have ads?

100 Envelope Challenge shows ads; Save Money Challenge does not.

### Which is updated more often, Save Money Challenge or 100 Envelope Challenge?

Save Money Challenge ships an update every 3 weeks, and 100 Envelope Challenge every 3 months. Most recently, Save Money Challenge was updated on October 27, 2026 and 100 Envelope Challenge on October 25, 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.*