# Simple Envelope Budgeting vs jpc.finance

The clearest difference is price: jpc.finance at Free against Simple Envelope Budgeting's $2.99. jpc.finance also leads on rating (5.0 vs 3.7). Simple Envelope Budgeting's advantage is ratings volume (11 vs 1) and iOS requirement (17.0 vs 26.2). On update cadence, ads, in-app purchases and device support there is nothing between them.

jpc.finance is free to download; Simple Envelope Budgeting costs $2.99 up front. Neither carries in-app purchases, so what you see is what you pay.

jpc.finance holds the better App Store score, 5.0 against 3.7. That said, the two scores are not equally well evidenced: Simple Envelope Budgeting has 11 ratings behind it against 1, so its average is the more settled of the two.

Simple Envelope Budgeting ships an update monthly, jpc.finance every 2 weeks. The most recent releases landed on October 15, 2026 and October 7, 2026 respectively.

## The numbers

| Metric | Simple Envelope Budgeting | jpc.finance |
| --- | --- | --- |
| Price | $2.99 | **Free** |
| Rating | [3.7 (11 ratings)](https://appshunter.io/ios/app/simple-envelope-budgeting/id6443788334/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/jpcfinance/id6499078837/reviews)** |
| Number of ratings | **11** | 1 |
| Positive reviews | 37.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | Paid | **Free** |
| Size | 4 MB | 26 MB |
| Requires iOS | **17.0** | 26.2 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Frank Herring](https://appshunter.io/developer/1229497521) | [John Corser](https://appshunter.io/developer/1016115570) |

## What reviewers say

### Simple Envelope Budgeting

[App page](https://appshunter.io/ios/app/simple-envelope-budgeting/id6443788334)

Digitize your financial efforts with this straightforward budgeting app. It uses a color-coded envelope system to help you track spending, set savings goals, and avoid going over budget. Syncs across devices without ads or in-app purchases.

**Highlights:** iCloud Sync, Savings Goals, Color-Coded Envelopes, Budget Overspend Indicator, Search Function, Ad-Free Experience

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

**In-app purchases:** none


### jpc.finance

[App page](https://appshunter.io/ios/app/jpcfinance/id6499078837)

Automate your banking by syncing transactions directly. Utilize a zero-based budgeting system with an envelope method and AI financial advice. Track spending, set goals, and gain insights into your financial habits.

**Highlights:** Automatic bank transaction syncing, Zero-based budgeting with envelope system, Drag-and-drop transaction categorization, AI financial advisor chatbot, Goal setting and tracking, Financial insights and analysis

**In-app purchases:** none


## Frequently asked questions

### Is Simple Envelope Budgeting free?

Simple Envelope Budgeting costs $2.99, with no in-app purchases.

### Is jpc.finance free?

jpc.finance is free to download, with no in-app purchases.

### Which has better reviews, Simple Envelope Budgeting or jpc.finance?

jpc.finance is rated higher. Simple Envelope Budgeting averages 3.7 out of 5 from 11 ratings, while jpc.finance averages 5.0 from 1 ratings.

### Do Simple Envelope Budgeting or jpc.finance have ads?

Neither Simple Envelope Budgeting nor jpc.finance shows ads.

### Which is updated more often, Simple Envelope Budgeting or jpc.finance?

Simple Envelope Budgeting ships an update monthly, and jpc.finance every 2 weeks. Most recently, Simple Envelope Budgeting was updated on October 15, 2026 and jpc.finance on October 7, 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.*