# Envelope vs Ldgr

The clearest difference is ratings volume: Envelope at 410 against Ldgr's 2. Envelope also leads on iOS requirement (17.0 vs 26.0). Ldgr's advantage is rating (5.0 vs 4.7) and review sentiment (100% vs 82%). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Ldgr holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Envelope has 410 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 82% of Envelope's written reviews are positive against 100% of Ldgr's.

Envelope ships an update fortnightly, Ldgr every 4 days. The most recent releases landed on November 7, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | Envelope | Ldgr |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (410 ratings)](https://appshunter.io/ios/app/envelope-budgeting-and-banking/id6444296251/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/ldgr/id6476118269/reviews)** |
| Number of ratings | **410** | 2 |
| Positive reviews | 81.8% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 4 days** |
| Monetization | Free | Free |
| Size | 104 MB | 10 MB |
| Requires iOS | **17.0** | 26.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Envelope Money, Inc.](https://appshunter.io/developer/1570010220) | [Tanner Mares](https://appshunter.io/developer/1465669060) |

## What reviewers say

### Envelope

[App page](https://appshunter.io/ios/app/envelope-budgeting-and-banking/id6444296251)

This app digitizes the envelope budgeting system to help users track spending, save money, and manage their finances effectively. It offers features like early paycheck access, high-yield savings, and transaction notifications for comprehensive financial control.

**Highlights:** Digital envelope budgeting system, High-yield savings account, Early paycheck access, All-in-one finance manager, Instant transaction notifications, Net worth tracker

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

**In-app purchases:** none

**What reviewers like**

- 💰 Excellent envelope budgeting system
- 🎨 Beautiful and intuitive user interface
- 🏦 Integrated banking with budgeting features
- 👥 Responsive and transparent development team
- 🔄 Automatic fund allocation and bill payments

**What reviewers complain about**

- 🚫 Signup process can be broken or confusing
- ⏳ Account verification delays (2+ business days)
- 📞 Support communication can be slow
- 💳 Upfront subscription fee ($5/month or $40/year)
- 🔗 Can only link one external bank account

**Reported bugs**

- Signup process kicks users out repeatedly
- App stuck in demo account loop
- Account verification fails without explanation
- Phone number cannot be corrected after signup
- Password requirements unclear and inconsistent

**Requested features**

- Multiple external bank account linking (2-3+)
- Apple Pay integration for deposits
- ATM locator map integration
- Protected overdraft feature ($100 suggested)
- Account numbers for envelopes


### Ldgr

[App page](https://appshunter.io/ios/app/ldgr/id6476118269)

This app encourages mindful spending by requiring manual entry of all transactions. It helps users stay aware of their remaining budget for various categories with visual progress indicators. Budgets can be shared with others for collaborative financial management.

**Highlights:** Manual transaction entry, Customizable budget periods, Visual spending progress bars, Home screen widgets, Shared budgets with collaborators, Private iCloud syncing

**In-app purchases:** none


## Frequently asked questions

### Is Envelope free?

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

### Is Ldgr free?

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

### Which has better reviews, Envelope or Ldgr?

Ldgr is rated higher. Envelope averages 4.7 out of 5 from 410 ratings, while Ldgr averages 5.0 from 2 ratings.

### Do Envelope or Ldgr have ads?

Neither Envelope nor Ldgr shows ads.

### Which is updated more often, Envelope or Ldgr?

Envelope ships an update fortnightly, and Ldgr every 4 days. Most recently, Envelope was updated on November 7, 2026 and Ldgr on November 4, 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.*