# Savings Challenge vs 100 Envelope Challenge

The clearest difference is ads: Savings Challenge at none against 100 Envelope Challenge's shown. Savings Challenge also leads on ratings volume (446 vs 4) and update cadence (every 3 weeks vs every 3 months). 100 Envelope Challenge's advantage is rating (5.0 vs 4.7). On price, in-app purchases, monetization model and device support there is nothing between them.

Both are free to download. Savings Challenge sells 9 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 4.7. That said, the two scores are not equally well evidenced: Savings Challenge has 446 ratings behind it against 4, so its average is the more settled of the two.

Savings Challenge ships an update every 3 weeks, 100 Envelope Challenge every 3 months. The most recent releases landed on November 11, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Savings Challenge | 100 Envelope Challenge |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (446 ratings)](https://appshunter.io/ios/app/savings-challenge-savelope/id1578843165/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/100-envelope-challenge/id6779838041/reviews)** |
| Number of ratings | **446** | 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

### 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


### 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 Savings Challenge free?

Savings 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, Savings Challenge or 100 Envelope Challenge?

100 Envelope Challenge is rated higher. Savings Challenge averages 4.7 out of 5 from 446 ratings, while 100 Envelope Challenge averages 5.0 from 4 ratings.

### Do Savings Challenge or 100 Envelope Challenge have ads?

100 Envelope Challenge shows ads; Savings Challenge does not.

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

Savings Challenge ships an update every 3 weeks, and 100 Envelope Challenge every 3 months. Most recently, Savings Challenge was updated on November 11, 2026 and 100 Envelope Challenge on October 31, 2026.

---

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