Comparison

Budgeting App vs Envelopes

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

Head to head
About

Budgeting App

Manage your personal finances with this comprehensive budget planner and expense tracker. It offers features like device syncing, custom categories, flexible budgeting, and insightful analytics to help you stay on track with your spending and savings goals.

Highlights
  • Sync across devices
  • Customizable spending categories
  • Flexible budget creation (weekly, monthly)
  • Track income and expenses
  • Automated recurring transactions
  • Detailed spending analytics
  • Multiple account management
  • Savings and loan tracking
Features
Read full description

The Budgeting App is a manual-first budget planner and expense tracker for people who want to feel in control of their money, not just watch an automatic dashboard. When you log spending yourself, you stay aware of every purchase, notice your habits, and make calmer decisions about where your money goes. - Flexible budgets that fit your life: create weekly, fortnightly, or monthly budgets and see at a glance whether you're on track. - Fast expense logging: add income and spending in seconds, with a built-in calculator so you can do the maths before you save. - Custom categories: organise your spending with categories and icons you choose, so your budget reflects how you actually live. - Insightful analytics: spot patterns in your spending and make informed decisions about credit cards, savings, and your emergency fund. - Recurring transactions: keep track of regular bills and subscriptions, from insurance to streaming, so nothing catches you by surprise. - Savings and loan trackers: set savings goals and follow loan repayments in one place to stay focused on what matters. - Multiple accounts and currencies: manage separate accounts, each with its own budgets, goals, and currency. - Automatic bank sync (Australia, United States, and Canada): connect your bank to import transactions automatically, then review and categorise them yourself. Bank connections are provided by Fiskil in Australia and Plaid in the United States and Canada. Everywhere else, The Budgeting App is manual by design. - Sync across devices: pick up your budget on any device and stay on top of your spending wherever you are. Budgeting works best when you're part of it. The Budgeting App keeps you close to your money so good habits actually stick. Download The Budgeting App and start budgeting with intention today. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ [:mav: 5.9.3]

About

Envelopes

This app helps you manage your money by allocating funds into different spending categories, or "envelopes." You can quickly log expenses to track where your money goes and then refill your envelopes as needed to reach your financial goals.

Highlights
  • Envelope budgeting system
  • Expense logging
  • Financial goal tracking
  • Money allocation
  • Spending mindfulness
Features
Read full description

The Envelopes app empowers you to gain control over your finances. Allocate money to "Envelopes", different buckets of your spending. As you spend money, quickly log your expenses and be mindful where your money goes. At the end of the week, month, or when you pay check comes in, refill the envelopes and celebrate your steps towards wealth. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Budgeting App4 screens
Envelopes4 screens

Verdict

The call

The clearest difference is rating: Envelopes at 5.0 against Budgeting App's 4.7. Envelopes also leads on review sentiment (100% vs 79%). Budgeting App's advantage is ratings volume (91 vs 7) and iOS requirement (16.0 vs 18.0). On price, update cadence, ads and in-app purchases 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

Both are free to download. Budgeting App sells 7 in-app purchases, starting at $2.99 per month and Envelopes sells 2 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Envelopes holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Budgeting App has 91 ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 79% of Budgeting App's written reviews are positive against 100% of Envelopes's.

UpkeepUpdate frequency

Budgeting App ships an update weekly, Envelopes every 2 weeks. The most recent releases landed on October 27, 2026 and October 24, 2026 respectively.

Scorecard4 real differences · 6 level
Budgeting App versus Envelopes: the parameters behind the verdict, then further details
ParameterBudgeting AppEnvelopes
PriceFreeFree
Rating4.7 (91 ratings)5.0 (7 ratings) — better
Positive reviews78.9% of reviews100.0% of reviews — better
Number of ratings91 — better7
Update frequencyWeekly — betterEvery 2 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 — better18.0
Further details — not scored
Size63 MB9 MB
Age rating4+4+
DeveloperThe Budgeting CompanyJOSCHUA GLAU

Customer experience

Budgeting App

All ratings87 ratings
Positive95.4%
Neutral0.0%
Negative4.6%
Written reviews19 reviews
Positive78.9%
Neutral0.0%
Negative21.1%

Envelopes

All ratings7 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

7 purchases

Budgeting App

Subscriptions5
  • Pro (Monthly)$2.991 Month
  • Lifetime Bank Sync Add-On (Monthly)$5.991 Month
  • Pro Sync (Monthly)1 Month trial$9.991 Month
Show 2 more
  • Pro (Annual)$26.491 Year
  • Pro Sync (Annual)1 Month trial$89.991 Year
One-time2
  • The Budgeting App Pro Lifetime$33.99
  • The Budgeting App Pro Lifetime$59.90
2 purchases

Envelopes

Subscriptions2
  • Monthly$0.991 Month
  • Yearly7 Days trial$4.991 Year

Questions

Is Budgeting App free?
Budgeting App is free to download, with in-app purchases available.
Is Envelopes free?
Envelopes is free to download, with in-app purchases available.
Which has better reviews, Budgeting App or Envelopes?
Envelopes is rated higher. Budgeting App averages 4.7 out of 5 from 91 ratings, while Envelopes averages 5.0 from 7 ratings.
Do Budgeting App or Envelopes have ads?
Neither Budgeting App nor Envelopes shows ads.
Which is updated more often, Budgeting App or Envelopes?
Budgeting App ships an update weekly, and Envelopes every 2 weeks. Most recently, Budgeting App was updated on October 27, 2026 and Envelopes on October 24, 2026.

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