# Debt Manager vs Simple Budget Envelopes

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.

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.

## The numbers

| Metric | Debt Manager | Simple Budget Envelopes |
| --- | --- | --- |
| Price | $0.99 | $0.99 |
| Rating | [4.6 (559 ratings)](https://appshunter.io/ios/app/debt-manager/id482482660/reviews) | **[4.6 (115 ratings)](https://appshunter.io/ios/app/simple-budget-envelopes/id1339993499/reviews)** |
| Number of ratings | **559** | 115 |
| Positive reviews | 85.5% of reviews | **88.9% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 5 months |
| Monetization | Paid | **Free** |
| Best chart rank | **#21** | #42 |
| Size | 34 MB | 1 MB |
| Requires iOS | 15.5 | **15.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MH Riley Ltd](https://appshunter.io/developer/409695800) | [Joseph Palmer](https://appshunter.io/developer/914507761) |

## What reviewers say

### Debt Manager

[App page](https://appshunter.io/ios/app/debt-manager/id482482660)

**Currently charting:** #21 Top Paid · Finance (US App Store)

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.

**Highlights:** Debt Snowball method, Multiple payoff strategies, Progress tracking and summary, Unlimited debt entry, 'What-If' scenario planning, Exportable reports and schedules, Interactive visualizations

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Helpful for tracking and paying off debt
- 💡 Useful features like snowball and snowflake payments
- 🔒 No subscription required
- 👍 Customizable and flexible

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- Calendar and date issues causing problems
- Minimum payment restrictions that don't work as expected
- Debt balances not updating correctly after payments

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/simple-budget-envelopes/id1339993499)

**Currently charting:** #42 Top Paid · Finance (US App Store)

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.

**Highlights:** Unlimited digital envelopes, Add/subtract funds easily, Track remaining budget, No sign-in required, No in-app purchases

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

**In-app purchases:** none

**What reviewers like**

- 👍 Extremely simple and easy to use
- 💰 No subscription needed, free
- 🎯 Perfect for envelope budgeting
- 📱 Digital alternative to cash envelopes
- ✅ No unnecessary features or clutter

**What reviewers complain about**

- 🤔 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

**Reported bugs**

- 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**

- 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


## Frequently asked questions

### Is Debt Manager free?

Debt Manager costs $0.99, with no in-app purchases.

### Is Simple Budget Envelopes free?

Simple Budget Envelopes costs $0.99, with no in-app purchases.

### Which has better reviews, Debt Manager or Simple Budget Envelopes?

Simple Budget Envelopes is rated higher. Debt Manager averages 4.6 out of 5 from 559 ratings, while Simple Budget Envelopes averages 4.6 from 115 ratings.

### Do Debt Manager or Simple Budget Envelopes have ads?

Neither Debt Manager nor Simple Budget Envelopes shows ads.

### Which is updated more often, Debt Manager or Simple Budget Envelopes?

Debt Manager ships an update every 6 weeks, and Simple Budget Envelopes every 5 months. Most recently, Debt Manager was updated on October 23, 2026 and Simple Budget Envelopes on October 24, 2026.

### Which is more popular, Debt Manager or Simple Budget Envelopes?

Debt Manager currently peaks at #21 in the App Store charts, and Simple Budget Envelopes at #42. Chart position reflects recent download velocity rather than total install base.

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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.*