# iVelopes vs Spendy

The clearest difference is price: Spendy at Free against iVelopes's $4.99. Spendy also leads on rating (5.0 vs 3.8) and update cadence (every 4 days vs monthly). iVelopes's advantage is in-app purchases (none vs 5) and chart position (#200 vs unranked). On ratings volume, ads and device support there is nothing between them.

Spendy is free to download; iVelopes costs $4.99 up front. Spendy sells 5 in-app purchases, starting at $1.99 per month. iVelopes asks for nothing beyond the download.

Spendy holds the better App Store score, 5.0 against 3.8. Both are backed by a comparable volume of ratings — 10 and 6 respectively. Written reviews point the same way: 74% of iVelopes's written reviews are positive against 96% of Spendy's.

iVelopes ships an update monthly, Spendy every 4 days. The most recent releases landed on October 8, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | iVelopes | Spendy |
| --- | --- | --- |
| Price | $4.99 | **Free** |
| Rating | [3.8 (10 ratings)](https://appshunter.io/ios/app/ivelopes/id350035867/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/spendy-expense-tracker-diary/id6443419421/reviews)** |
| Number of ratings | **10** | 6 |
| Positive reviews | 73.7% of reviews | **96.3% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Every 4 days** |
| Monetization | Paid | **Freemium** |
| Best chart rank | **#200** | — |
| Size | 48 MB | 56 MB |
| Requires iOS | **11.0** | 26.0 |
| Devices | iPhone, iPod | **iPhone, iPad, Mac** |
| Age rating | 4+ | 4+ |
| Developer | [Layne Bryant](https://appshunter.io/developer/315592552) | [dasol kim](https://appshunter.io/developer/1645554263) |

## What reviewers say

### iVelopes

[App page](https://appshunter.io/ios/app/ivelopes/id350035867)

**Currently charting:** #200 Top Paid · Finance (US App Store)

Manage your finances effectively with this envelope budgeting app. It helps you set aside money into categories, control spending, and plan for future purchases. Track all your accounts and create recurring transactions with ease.

**Highlights:** Envelope budgeting system, Track all account types, Control spending with virtual money, Set aside money for purchases, Create recurring transactions, Quick transaction entry, Password protection

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

**In-app purchases:** none


### Spendy

[App page](https://appshunter.io/ios/app/spendy-expense-tracker-diary/id6443419421)

A simple and shared budget app designed for quick expense entry and tracking. It allows users to record spending, manage budgets together with others, and even log moments with notes and tags.

**Highlights:** iCloud Shared Budget, Quick Expense Entry, Budget as a Diary, Tag Management, Calendar & Reminders Integration, Automation Support

**Features:** Vision Pro support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Day Money Premium Monthly Plan | $1.99 | per month |
| Day Money Premium Yearly Plan | $9.99 | per year |
| 50% off Premium Lifetime | $9.99 | one-time |
| Day Money Premium Lifetime | $14.99 | one-time |
| Day Money Premium Lifetime | $19.99 | one-time |


## Frequently asked questions

### Is iVelopes free?

iVelopes costs $4.99, with no in-app purchases.

### Is Spendy free?

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

### Which has better reviews, iVelopes or Spendy?

Spendy is rated higher. iVelopes averages 3.8 out of 5 from 10 ratings, while Spendy averages 5.0 from 6 ratings.

### Do iVelopes or Spendy have ads?

Neither iVelopes nor Spendy shows ads.

### Which is updated more often, iVelopes or Spendy?

iVelopes ships an update monthly, and Spendy every 4 days. Most recently, iVelopes was updated on October 8, 2026 and Spendy on October 11, 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.*