Comparison

Split & Tip vs Simple Envelope Budgeting

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Split & Tip

Effortlessly divide restaurant bills and calculate tips with this intuitive application. Its user-friendly interface and quick reset features make group dining calculations simple, allowing you to enjoy your meal without the stress of math.

Highlights
  • Instant bill splitting
  • Customizable tip percentage
  • Quick reset functionality
  • User-friendly interface
  • Ad-free experience
Features
Read full description

Split the bill, work out the tip, and get on with dinner. Split & Tip is a tip calculator first: type the amount, pick a percentage, set the number of people, and the split is there. No sign-up, no account, no ads. When the bill is more complicated, point the camera at it. SCAN THE RECEIPT Take a photo or pick one from your library and Split & Tip reads the lines off it — dishes, prices, tax, and service charges. It shows you what it read before anything is added, and tells you when the numbers do not add up to the printed total rather than quietly splitting something wrong. WHO HAD WHAT Tap a person against a line to assign it. Anything nobody claims is split evenly. Everyone's share is worked out to the cent, and the shares always add up to the total exactly. SHARE WITHOUT A SERVER Send the bill as a link or show a QR code. The whole bill travels inside the link itself, in the part browsers never send anywhere — so there is no server holding your dinner, and nothing to leak. The person you send it to just opens it in a browser. TRAVELS WITH YOU Reads receipts in 17 languages — Arabic, Chinese (Simplified), Chinese (Traditional), Dutch, English, French, German, Greek, Hebrew, Italian, Japanese, Korean, Portuguese, Russian, Spanish, Thai and Vietnamese — and 42 currencies, including the ones that do not use two decimal places. It understands a European "1.234,56" as readily as "1,234.56", a yen amount with no decimals at all, and a Kuwaiti dinar with three. KEEPS YOUR BILLS Past bills stay on the phone, searchable, with the receipt photo attached. Export them as CSV whenever you want them somewhere else. BUILT FOR THE AWKWARD BITS - Tax that is already included, and tax that is added on top - Service charges and delivery fees kept out of the tip base, so you are not tipping on a service charge - A gratuity the restaurant already added, spotted before you tip it twice - Discounts, comps and voided lines PRIVATE BY DESIGN No account. No server. No tracking, no analytics, no advertising SDK. Your bills and receipt photos stay on your phone. Nothing about your dinner is sent anywhere.

About

Simple Envelope Budgeting

Digitize your financial planning with this budgeting app. It uses the envelope method to help you track spending, set savings goals, and avoid overspending. Syncs across devices and is ad-free.

Highlights
  • iCloud sync across devices
  • Savings goals
  • Color-coded envelopes
  • Transaction filtering
  • Over budget indicator
  • No ads or in-app purchases
Features
Read full description

All The Features You Want: - Syncs Via iCloud to All of Your Devices - Goals for Savings - Color-Coded Envelopes - Supports iPhone and iPad - Search Function to Quickly Find Envelopes - Filters for Viewing Specific Transactions and Expenses - Indicates When You Are Over Budget None of the Features You Don't: - No Ads - No In-App Purchases to Unlock Full Functionality - No Syncing with Your Bank Account (I've never found an app that does this in a useful manner anyways) Creating a budget is a crucial element of financial success. Without tracking your spending, even the fanciest of excel sheets are deemed useless. Simple Envelope is the easiest, quickest, and most efficient way to monitor and execute your budgets. Based on the physical envelope method, Simple Envelope is here to help you digitize your financial efforts so you can easily track your spending habits. Tracking family allowances? Instead of making trips to the bank, leave everyone's allowance in the bank and keep it all in digital envelopes instead! Simple envelope strives to make tracking your budgets as easy as 1,2,3! Simply create new “envelopes” with your budget's desired name and monetary amount. As you spend, add in your expenditures to see where and how you spend your money - Simple in and Simple out.

Screenshots

Split & Tip4 screens
Simple Envelope Budgeting4 screens

Verdict

The call

The clearest difference is price: Split & Tip at Free against Simple Envelope Budgeting's $2.99. Split & Tip also leads on rating (4.3 vs 3.7) and update cadence (every 5 days vs every 5 weeks). Simple Envelope Budgeting's advantage is review sentiment (38% vs 0%) and ratings volume (11 vs 3). On ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Split & Tip is free to download; Simple Envelope Budgeting costs $2.99 up front. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Split & Tip holds the better App Store score, 4.3 against 3.7. Both are backed by a comparable volume of ratings — 3 and 11 respectively. Written reviews complicate that: 0% of Split & Tip's written reviews are positive against 38% of Simple Envelope Budgeting's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Split & Tip ships an update every 5 days, Simple Envelope Budgeting every 5 weeks. The most recent releases landed on November 3, 2026 and November 12, 2026 respectively.

Scorecard7 real differences · 3 level
Split & Tip versus Simple Envelope Budgeting: the parameters behind the verdict, then further details
ParameterSplit & TipSimple Envelope Budgeting
PriceFree — better$2.99
Rating4.3 (3 ratings) — better3.7 (11 ratings)
Positive reviews0.0% of reviews37.5% of reviews — better
Number of ratings311 — better
Update frequencyEvery 5 days — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterPaid
DevicesiPhone, iPadiPhone, iPad
Requires iOS26.017.0 — better
Further details — not scored
Size7 MB6 MB
Age rating4+4+
DeveloperJames LobodaFrank Herring

Customer experience

Split & Tip

All ratings3 ratings
Positive66.7%
Neutral33.3%
Negative0.0%
Written reviews1 reviews
Positive0.0%
Neutral100.0%
Negative0.0%

Simple Envelope Budgeting

All ratings11 ratings
Positive63.6%
Neutral9.1%
Negative27.3%
Written reviews8 reviews
Positive37.5%
Neutral25.0%
Negative37.5%

In-app purchases

None

Split & Tip

No in-app purchases

None

Simple Envelope Budgeting

No in-app purchases

Questions

Is Split & Tip free?
Split & Tip is free to download, with no in-app purchases.
Is Simple Envelope Budgeting free?
Simple Envelope Budgeting costs $2.99, with no in-app purchases.
Which has better reviews, Split & Tip or Simple Envelope Budgeting?
Split & Tip is rated higher. Split & Tip averages 4.3 out of 5 from 3 ratings, while Simple Envelope Budgeting averages 3.7 from 11 ratings.
Do Split & Tip or Simple Envelope Budgeting have ads?
Neither Split & Tip nor Simple Envelope Budgeting shows ads.
Which is updated more often, Split & Tip or Simple Envelope Budgeting?
Split & Tip ships an update every 5 days, and Simple Envelope Budgeting every 5 weeks. Most recently, Split & Tip was updated on November 3, 2026 and Simple Envelope Budgeting on November 12, 2026.

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