Comparison

Expense Keep vs Envy

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

Head to head
About

Expense Keep

This app offers a simple and fast way to track expenses and income, helping users manage their finances and save money. It allows for organizing funds into separate accounts or spending envelopes, with features for recurring transactions and detailed monthly history.

Highlights
  • Track expenses and income
  • Organize money into accounts/envelopes
  • Set up recurring transactions
  • View monthly history and cash flow
  • Create custom expense categories
  • Transfer money between accounts
Features
Read full description

Expense Keep is the simplest and quickest way to track your expenses. It will save you money and improve your financial health. Expense Keep has been downloaded over 500,000 times and ranked top 5 Finance app in 33 countries. "This is exactly what I was looking for. It has cut my spending tremendously. Couldn't be happier with this app." "I have never rated an app before but I feel so strongly about this app that I knew I had to share with everyone how great it is!" "All I wanted was a sole app to track multiple accounts. This does it. I love it and have deleted all of my other expense tracking apps." "This app is the only budget app that I could find which works well with a zero-based budget." "This is the best budget envelope app available. So beautifully designed and simple to use. Includes recurring transactions and transfers between envelopes." "This app is awesome! Super easy to use without requiring so much personal info like other apps (Mint)." "Finally an expenses tracking app that don't force you to connect every single bank account you have. This app is for those, like me, that like to keep their info as private as possible." "This app is helping me feel in much more control of my finances." "This app is fantastic. Don't know how i ever managed without it." "Awesome app. Easy to use. Quick to set up and quick to input transactions." "Have tried a number of apps to track expenses, and this one has everything I've been looking for." Expense Keep is a personal finance app built to be fast and designed to be flexible yet simple to use. Organize your money into separate accounts and track your expenses and incomes. Accounts can be used to track your bank account balances or as "envelopes" for your different spending groups. FEATURES: Accounts + Add/Edit/Delete accounts. + Set starting balance. + Organize your money into separate accounts. + View current balance of each account. Expenses and Incomes + Add/Edit/Delete entries for expenses and incomes. + Create custom expense categories. + Assign expenses/incomes to an account. + Set a date and note for each entry. + Select a category for expenses. Transfers + Add/Edit/Delete transfers. + Transfer money from one account to another. + Helps you stay on budget when you overspend in one account. Recurring Entries + Add/Edit/Delete recurring entries that get automatically entered. + Setup recurring expenses/incomes/transfers for each account. + Set repeat cycles of daily, weekly, biweekly, monthly and more. + Set a start date and end date for recurring expenses. + Or set recurring expenses to be ongoing with no end date. Monthly History + View all entries for current month. + Go back and see previous months' entries. + Go to future months and add entries ahead of time. Cash Flow + See how much you earned/spent for the month. + Cash flow bar chart helps you spend less than you earn. Expense Chart + Pie chart shows your expenses broken down into categories. + See where all your money is going. + Filter pie chart to show only the accounts you select. Report + CSV export Security + Passcode lock feature More features coming soon! Have questions, requests, or feedback? Send them to info@expensekeep.com If you enjoy using Expense Keep or found the app useful, please consider leaving a review. It helps us a lot. Thank you!

About

Envy

Digitize your cash envelope budgeting system with this simple expense tracker. Organize your spending into unlimited digital envelopes, easily move transactions, and track your budget without linking bank accounts. Export your data and manage your money effectively.

Highlights
  • Unlimited digital envelopes
  • Quick deposit refills
  • Move transactions between envelopes
  • Start envelopes with negative balances
  • Export transactions as CSV
  • Manual transaction entry under 5 seconds
Features
Read full description

================== Recent 5-Star Reviews ================== "Love the simplicity of this app. We don't want to carry cash around but wanted to still utilize the envelope system. This is the best app so far." "I've gone through all the budgeting apps literally at least 30. All of them wanted my bank information, didn't offer digital envelopes, or was just over complicated! I needed an app that I could have 5-10 categories on that was easy to use and didn't require me to put in all my bills and total salary." "Good for people who want a simple way to track and control their spending. Very effective way of seeing what is left to spend. Clean and user-friendly interface." ================== Envy ================== After trying all the popular budgeting apps for years and running into the same issues over and over again.... • Ridiculous subscription models • Continually recategorizing transactions • Security concerns over linking cards and accounts • Complicated graphs and features • Long latency to update recent transactions • Creating login accounts over and over again • Verifying credentials repeatedly ...I created Envy. Simplistic budgeting that digitizes the cash envelope system and puts you back in the driver seat. Sure, it's manual but it's your money after all. • Create unlimited envelopes to organize your budget and manage your money easily* • Sync across your iPhone and iPad through your own iCloud. No accounts, no passwords, no servers in the middle. • Share a budget with a partner. Both sides see the same envelopes update in real time. • Set savings goals with target amounts and deadlines. See how much to set aside per day to hit every goal on time. • Track debts and money set aside separately, so they don't muddle your spendable total. • Quick deposit refills all of your envelopes in one click (you can choose whether to exclude envelopes from this feature) • Rename envelopes and update their budget without losing transactions. • Move transactions easily from one envelope to another • Start envelopes with negative balances if you're carrying a debt or an overspend • See all your transactions in one place outside of each category • Enter and edit transactions in under 5 seconds • Editorial Insights show where your money goes, month over month • Export your transactions as a CSV • Custom sorting or sort by date, transaction, amount, name, deposit and color • Based on your local currency • Light and dark mode that follow your system • Dedicated solo developer that responds to emails :) ~~~~~~~~~~~~~~~~~~~~~~~~~~~ ****TRY BEFORE YOU BUY • Free version provides limited envelopes and viewable transactions that demonstrate the functionality and ease of use.

Screenshots

Expense Keep4 screens
Envy4 screens

Verdict

The call

The clearest difference is rating: Envy at 4.8 against Expense Keep's 4.4. Envy also leads on update cadence (every 6 days vs every 6 weeks) and device support (3 vs 1). On price, review sentiment, ratings volume 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Expense Keep sells 1 one-off in-app purchase and Envy sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Envy holds the better App Store score, 4.8 against 4.4. Both are backed by a comparable volume of ratings — 1.7K and 833 respectively. Written reviews split almost evenly too, at 77% and 77% positive.

UpkeepUpdate frequency

Expense Keep ships an update every 6 weeks, Envy every 6 days. The most recent releases landed on October 22, 2026 and October 30, 2026 respectively.

Scorecard4 real differences · 6 level
Expense Keep versus Envy: the parameters behind the verdict, then further details
ParameterExpense KeepEnvy
PriceFreeFree
Rating4.4 (1.7K ratings)4.8 (833 ratings) — better
Positive reviews77.5% of reviews — better77.0% of reviews
Number of ratings1.7K — better833
Update frequencyEvery 6 weeksEvery 6 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.015.0 — better
Further details — not scored
Size5 MB11 MB
Age rating4+4+
DeveloperTayson NguyenChimpanzee, LLC

Customer experience

Expense Keep

All ratings1,685 ratings
Positive87.7%
Neutral5.8%
Negative6.5%
Written reviews364 reviews
Positive77.5%
Neutral8.5%
Negative14.0%

Envy

All ratings833 ratings
Positive94.2%
Neutral2.8%
Negative3.0%
Written reviews161 reviews
Positive77.0%
Neutral13.0%
Negative9.9%

User reviews

Expense Keep

From 1.7K App Store ratings

What we love

  • 💻 Simple and intuitive interface
  • 📊 Helpful expense tracking and visualization
  • 🔁 Recurring expense and income management
  • 🧠 Useful for budgeting and financial awareness
  • 💰 Good value for the paid version

Room to improve

  • 🐛 Bugs and crashes after recent updates
  • 🔒 Lack of cloud backup and data sync
  • 📄 Limited export and reporting options
  • 🔧 Inability to edit expense categories
  • 💸 Some features locked behind paywall

Envy

From 833 App Store ratings

What we love

  • 👍 Simple and easy to use
  • 🚀 Straightforward envelope budgeting
  • 🔒 No bank account required
  • 💰 Affordable one-time purchase
  • 🎨 Visually pleasing design

Room to improve

  • 🔍 Limited envelope customization (renaming, reordering, deleting)
  • 🔢 Inability to track cents/pennies
  • 🔗 No multi-device sync or sharing
  • 🔢 Envelope balance rounding issues

Bugs and requests

Expense Keep

Reported bugs

4 issues
  • App crashes on launch after recent update
  • Dark mode functionality is broken
  • Recurring expense dates not updating correctly
  • Unable to export data or send feedback in-app

Requested features

5 requests
  • Add support for multiple currencies
  • Implement a monthly budgeting feature
  • Allow customization of expense categories
  • Improve data export and reporting options
  • Integrate cloud backup and cross-device sync

Envy

Reported bugs

2 issues
  • Inconsistent behavior when adding/editing transactions
  • Screen size/layout issues on some devices

Requested features

5 requests
  • Ability to sort/reorder envelopes
  • Option to track cents/pennies
  • Multi-device sync and sharing
  • Recurring transaction scheduling
  • Envelope budgeting templates or presets

In-app purchases

1 purchases

Expense Keep

One-time1
  • Expense Keep Pro$19.99
1 purchases

Envy

One-time1
  • Envy All Access$9.99

Questions

Is Expense Keep free?
Expense Keep is free to download, with in-app purchases available.
Is Envy free?
Envy is free to download, with in-app purchases available.
Which has better reviews, Expense Keep or Envy?
Envy is rated higher. Expense Keep averages 4.4 out of 5 from 1.7K ratings, while Envy averages 4.8 from 833 ratings.
Do Expense Keep or Envy have ads?
Neither Expense Keep nor Envy shows ads.
Which is updated more often, Expense Keep or Envy?
Expense Keep ships an update every 6 weeks, and Envy every 6 days. Most recently, Expense Keep was updated on October 22, 2026 and Envy on October 30, 2026.

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