Debt Manager vs Simple Budget Envelopes
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Debt Manager
This app helps users pay off their debts faster and more efficiently. It utilizes the Debt Snowball method and offers various strategies, tracking tools, and 'what-if' scenarios to visualize progress and savings.
- Debt Snowball method
- Multiple payoff strategies
- Progress tracking and summary
- Unlimited debt entry
- 'What-If' scenario planning
- Exportable reports and schedules
- Interactive visualizations
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*** No. 1 Ranked Finance App in the US & UK *** 'Debt Manager' has one aim - To help you GET OUT OF DEBT FAST! 5-Stars - "By Far, This is one of the best Money Apps that I have seen. Fantastic, Great Job" 5-Stars - "This app is worth every penny.. Great info and breakdown.. I am so looking forward to being debt free!!" 5-Stars - "This app is three things: Simple. Effective. Spot On." 5-Stars - "The details, features and thought that went into creating this app are endless." 5-Stars - "Super easy to use; choice of strategies to choose for to pay off debts. Most helpful app for paying down debt I've come across." Debt Manager helps you to organize, track and pay off all your debts in the cheapest and fastest possible way. It does this using the Debt Snowball method, which is recognised by leading financial advisors as the most effective way to pay off multiple debts. You will be amazed at how much time and money you could save by applying this simple strategy, and this app will show you how. So if you want to become debt free, get started now! *** Features *** -------------------- √ Simple and intuitive user interface - helps you see results quickly and clearly √ Hints and tips - don't worry, we will guide you through the process √ Summary shows your payoff progress - includes progress bar, your debt free date and your interest/time savings √ Choose from multiple pay off Strategies - Lowest Balance First - Highest Interest First - Highest Balance First - Custom Order √ An unlimited number of debts can be entered - each debt can be individually analysed - payments may be entered as a percentage of balance - support for introductory rates e.g. 0% for 6 months √ Monthly Payments may be recorded - either automatic or manual recording - allows you to keep track of your progress √ Backup & Restore - use popular Dropbox service for online storage - keep your data safe - manually sync between devices √ Choice of payment periods - handles monthly, weekly and fortnightly payments √ Extra Payments can be entered against each debt - helps pay off your debts even faster - can be entered Monthly, Yearly or as a One Off √ Transactions can be entered against each debt - allows you to take into account expenses/purchases - can be entered Monthly, Yearly or as a One Off - will increase the debt balance √ Try out various 'What-If' scenarios e.g. - a change in interest rate - increased monthly payments √ Export the debt details via Email - professionally formatted PDF or HTML - export individual debts or overall summary - includes full amortization schedules - charts are attached to the email export √ Interactive reports - easy visualisation of the debt breakdown - compare debts side by side - press, hold and slide to see the costs per month - pinch to zoom √ Set of Calculators are included to help you compute: - monthly payments - extra payments - payoff date - refinance benefits √ Notification of payments due - so you never forget to record a payment √ Passcode protection - keep your data safe √ Full manual is embedded within the app - has all the info you will ever need
Simple Budget Envelopes
Easily track your remaining budget with an unlimited number of digital envelopes. Add or subtract funds as you spend or receive money. This straightforward app requires no sign-in or in-app purchases.
- Unlimited digital envelopes
- Add/subtract funds easily
- Track remaining budget
- No sign-in required
- No in-app purchases
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An incredibly simple app, perfect for keeping track of how much money remains in your budget. Simple Budget Envelopes allows you to have as many envelopes as you need, then add or subtract as you receive or spend money. No in-app purchases. Yours to simply use as you like.
Screenshots
Verdict
The clearest difference is monetization model: Simple Budget Envelopes at free against Debt Manager's paid. Debt Manager's advantage is update cadence (every 6 weeks vs every 5 months) and ratings volume (559 vs 115). On price, rating, review sentiment and ads 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
Debt Manager costs $0.99 and Simple Budget Envelopes $0.99 up front. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.6 for Debt Manager against 4.6 for Simple Budget Envelopes. Both are backed by a comparable volume of ratings — 559 and 115 respectively. Written reviews are what separate them: 85% of Debt Manager's written reviews are positive against 89% of Simple Budget Envelopes's.
Debt Manager ships an update every 6 weeks, Simple Budget Envelopes every 5 months. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.
| Parameter | Debt Manager | Simple Budget Envelopes |
|---|---|---|
| Price | $0.99 | $0.99 |
| Rating | 4.6 (559 ratings) | 4.6 (115 ratings) — better |
| Positive reviews | 85.5% of reviews | 88.9% of reviews — better |
| Number of ratings | 559 — better | 115 |
| Update frequency | Every 6 weeks — better | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Paid | Free — better |
| Best chart rank | #21 — better | #42 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.5 | 15.0 — better |
| Further details — not scored | ||
| Size | 34 MB | 1 MB |
| Age rating | 4+ | 4+ |
| Developer | MH Riley Ltd | Joseph Palmer |
Customer experience
Debt Manager
Simple Budget Envelopes
User reviews
Debt Manager
From 559 App Store ratingsWhat we love
- 👍 Easy to use
- 🚀 Helpful for tracking and paying off debt
- 💡 Useful features like snowball and snowflake payments
- 🔒 No subscription required
- 👍 Customizable and flexible
Room to improve
- 🐛 Issues with updating balances and interest rates
- 🐛 Backdating changes can cause problems
- 🐛 Difficulty adding new debts or changing payment details
- 🐛 Lack of syncing between devices
Simple Budget Envelopes
From 115 App Store ratingsWhat we love
- 👍 Extremely simple and easy to use
- 💰 No subscription needed, free
- 🎯 Perfect for envelope budgeting
- 📱 Digital alternative to cash envelopes
- ✅ No unnecessary features or clutter
Room to improve
- 🤔 Lacks a built-in tutorial
- 🎨 Limited color options for envelopes
- 🔄 No automatic monthly reset for envelopes
- 🗂️ Envelopes are not sortable
- ⬆️ Item display limit for transactions
Bugs and requests
Debt Manager
Reported bugs
3 issues- Calendar and date issues causing problems
- Minimum payment restrictions that don't work as expected
- Debt balances not updating correctly after payments
Requested features
4 requests- Ability to add debt start dates
- Monthly payment summary view
- Profiles to manage multiple people's debt
- More customization options for layout and visuals
Simple Budget Envelopes
Reported bugs
3 issues- New update whites out numbers and envelopes are blank
- App crashes when trying to open envelopes after an update
- White on white text in dark mode, making text entry impossible
Requested features
26 requests- Add a tutorial within the app
- Add a button to reset all envelope balances at once
- More color options for envelopes
- Ability to sort envelopes
- Running balance for each envelope
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- Ability to put dates on transactions
- Form field in envelopes to note budget amount from each paycheck
- Ability to customize envelopes with pictures
- Make the app shareable with a spouse
- Make sub-envelopes within an envelope
- Support multi-device syncing
- Option to list transactions newest to oldest
- Create a way to have envelopes start from scratch each month
- Add a date next to input items
- Ability to edit a transaction
- Sync across devices
- Change the color of envelopes
- Add a memo feature for transactions
- Add a budget limit for envelopes
- Create a transaction statement
- Ability to sync with a husband's app for real-time updates
- Display total amount budgeted vs total spent at the top
- Option for making notes on transactions
- Standard 'delete and reorder' UI
- Way to rename accounts
- Add a budget limit so users know what number to stay under
In-app purchases
Debt Manager
No in-app purchases
Simple Budget Envelopes
No in-app purchases
Questions
Is Debt Manager free?
Is Simple Budget Envelopes free?
Which has better reviews, Debt Manager or Simple Budget Envelopes?
Do Debt Manager or Simple Budget Envelopes have ads?
Which is updated more often, Debt Manager or Simple Budget Envelopes?
Which is more popular, Debt Manager or Simple Budget Envelopes?
Other comparisons
