Comparison

Envelope vs CashStuff

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

Head to head
About

Envelope

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
Read full description

Take Control of Your Money with Envelope: The Ultimate Budgeting & Banking App. Envelope brings back the tried-and-true envelope budgeting system in a modern, digital format. Track every dollar, save more, and take your finances to the next level. We combine the best of budget calculators, finance management, and net worth tracking to give you a seamless experience in managing your money. Designed for those serious about achieving financial goals. Why Choose Envelope? * Powerful Envelope Budgeting: Organize your spending and savings with ease. Our app features allow you to create digital "envelopes" to allocate funds, so you can plan for every expense while keeping your savings on track. * Protected Envelope with interest: Grow your savings faster with our high-yield savings Protected Envelope. Earn interest with this special account designed for secure savings and higher returns, helping you reach your financial goals even sooner. * * Early Paycheck Access: Get paid up to two days early with Envelope’s early paycheck feature. Access your hard-earned money sooner so you can stay ahead on bills, budgeting, and daily expenses. * * All-in-One Finance Manager: From monitoring debit credit transactions to tracking spending, Envelope acts as your comprehensive money tracker and money manager. Stay on top of your finances with instant notifications and detailed insights. * Save Smarter, Spend Smarter: Use our money-saving tracker and other tools to set and reach savings goals. Envelope helps you track spending effortlessly, giving you the clarity needed to make informed financial decisions. Key Features: * Real-Time Budgeting: Transactions update your envelope balances automatically as you spend. * Up to 50 Virtual Cards: Create virtual debit cards for bills, subscriptions, or individual spending envelopes. * Built-In Joint Accounts: Share one household budget and checking account while each partner gets their own debit card. * 3.28% APY Savings: Earn 3.28% APY on protected savings kept separate from everyday spending.* * 55,000+ Fee-Free ATMs: Withdraw cash nationwide at 55,000+ qualifying Allpoint ATMs.* * Early Direct Deposit: Get eligible paychecks up to 2 days early.* * Unlimited Envelopes: Organize your checking account into as many digital budgeting envelopes as you need. Who is Envelope For? Whether you’re just getting started with budgeting or you’re a personal finance power user, Envelope is tailored to help you save money, track spending, and achieve financial freedom. It’s more than just a budget app – it’s a complete money-saving and financial management solution. Download Envelope and Start Your Financial Journey Today! Take control of your finances with Envelope and experience the convenience of a budget app free of hassles. Transform how you save money and manage your budget – because every dollar deserves a purpose. * Envelope is a financial technology company and is not a bank. Banking services provided by Pacific West Bank, Member FDIC. Your funds are FDIC insured up to $250,000 through Pacific West Bank, Member FDIC. Deposit insurance covers the failure of an insured bank. The Envelope Visa® Debit Card is issued by Pacific West Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. Annual Percentage Yield (APY) of 3.28% is effective as of 9/17/2026. This is a variable rate and may change after the account is opened. Fees could affect earnings on the account.

About

CashStuff

Features
Read full description

Digital envelope budgeting. No bank connection needed. Free: 3 envelopes. Premium ($2.99/mo): unlimited + sinking funds. Privacy: https://frexx.top/privacy.html Terms: https://frexx.top/terms.html End User License Agreement (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Terms of Use: https://frexx.top/cashstuff/terms.html

Screenshots

Envelope4 screens
CashStuff3 screens

Verdict

The call

The clearest difference is in-app purchases: Envelope at none against CashStuff's 1. On price, update cadence, ads and device support 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. CashStuff sells 1 in-app purchase, starting at $4.99 per month. Envelope asks for nothing beyond the download.

UpkeepUpdate frequency

Envelope ships an update fortnightly, CashStuff every 3 weeks. The most recent releases landed on November 12, 2026 and October 28, 2026 respectively.

Scorecard1 real difference · 9 level
Envelope versus CashStuff: the parameters behind the verdict, then further details
ParameterEnvelopeCashStuff
PriceFreeFree
Rating4.7 (414 ratings) — better—
Positive reviews81.8% of reviews—
Number of ratings414 — better—
Update frequencyFortnightly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhoneiPhone, iPad — better
Requires iOS17.017.0
Further details — not scored
Size104 MB1 MB
Age rating4+4+
DeveloperEnvelope Money, Inc.杰 向

Bugs and requests

Envelope

Reported bugs

11 issues
  • 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
Show 6 more
  • Demo account doesn't show custom transfer amounts
  • Cards cannot be used in real-life transactions
  • No transaction recording in demo
  • Support email configuration required through app
  • Slow email response times (up to 3 weeks)
  • Account denial with no explanation or dispute process

Requested features

14 requests
  • 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
Show 9 more
  • Automatic scheduled transfers to envelopes
  • Flexible month-to-month budget adjustments
  • Demo account with custom transfer amounts
  • Transaction recording capability
  • Automatic transfers from external bank accounts on schedule
  • Multiple paycheck automation support
  • Paper checks support
  • Dark mode option
  • Advanced analytics dashboard

CashStuff

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Envelope

No in-app purchases

1 purchases

CashStuff

Subscriptions1
  • CashStuff Premium$4.991 Month

Questions

Is Envelope free?
Envelope is free to download, with no in-app purchases.
Is CashStuff free?
CashStuff is free to download, with in-app purchases available.
Do Envelope or CashStuff have ads?
Neither Envelope nor CashStuff shows ads.
Which is updated more often, Envelope or CashStuff?
Envelope ships an update fortnightly, and CashStuff every 3 weeks. Most recently, Envelope was updated on November 12, 2026 and CashStuff on October 28, 2026.

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