Comparison

Stampli vs Smart Envelope AI

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

Head to head
About

Stampli

Streamline your accounts payable process with AI-powered automation. Submit and approve purchase requests, invoices, and expenses on the go. Manage company cards and receive real-time notifications for efficient financial management.

Highlights
  • AI-powered Procure-to-Pay automation
  • Submit and approve purchase requests
  • Approve invoices and coding
  • Manage Stampli Card requests and expenses
  • Smart receipt scanning
  • Push notifications for actions
Features
Read full description

Stampli is the AI-powered Procure-to-Pay automation solution. With the Stampli mobile app you can submit and approve purchase requests, approve purchase orders, approve invoices, and manage Stampli Card requests and expenses from anywhere. Invoice Approvers can: • Review invoices and coding to ensure accuracy • Ask questions to employees and vendors • Approve or reject invoices • Receive push notifications for requested actions and approvals Procurement Requesters can: • Submit purchase requests • Get notifications about the status of their purchase requests • Respond to questions from request approvers and the procurement team Procurement Approvers can: • Approve purchase requests, purchase orders, and service tickets • Ask questions to employees and vendors Cardholders can: • Submit requests for increased credit card spending limits and new Stampli Cards • Upload and manage receipts with smart scanning technology • Submit expenses for approval in a few taps Expense Approvers can: • Approve Stampli Cardholder expenses • Receive push notifications for expenses to approve Stampli Card Managers can: • Approve requests for new Stampli Cards • Approve Stampli Card spending limit increases • Review all Stampli Cardholder expenses and transactions • Receive push notifications for Card requests

About

Smart Envelope AI

This app helps you manage your finances by assigning every dollar to a specific spending category. It offers AI-powered receipt scanning, voice input, and manual entry to track expenses and monitor your budget in real-time.

Highlights
  • AI receipt scanning
  • Voice expense entry
  • Manual expense entry
  • Unlimited spending envelopes
  • Real-time budget monitoring
  • Privacy-focused design
Features
Read full description

Tell your money where to go. Smart Envelope is the budgeting app built on a simple idea: every dollar belongs somewhere. Create an envelope for each spending category — Groceries, Gas, Rent, Coffee — set a limit, and watch where your spending goes. Built for the phone in your pocket. Three ways to log an expense: Snap a receipt. The AI reads the amount, the merchant, and the date, then drops it in the right envelope. You confirm with a tap. Speak it. "Thirty dollars gas, Costco." Done. Hands-free. Type it. When you're in a noisy place or you're working from memory, manual entry takes seconds. True envelope budgeting — not just category tracking. Most apps show you where your money went after the fact. Smart Envelope tells you what's left before you spend. You create each envelope and you set the limit. Each receipt is recorded and deducted. When it's getting low, you see it. When it's gone, you decide what to do — move money from another envelope, or hold off until next month. Adjusting your budget is easy. Your call. Built for your privacy, by design. Some budgeting apps have faced breaches, putting data at risk. Smart Envelope protects you by never needing bank access. Your budget stays on your phone. Smart Envelope is built differently: - No bank login because we never ask for one - Your transactions, balances, and budgets live on your phone - The AI reads each receipt only to categorize it and never stores what it sees - Receipt photos clear automatically when you start a new month, saving space. If you enable iCloud Photos backup in Settings, photos sync only to your own iCloud account No bank sync to break. Log a purchase in a snap by photo, voice, or typing, and see what's left in each envelope before you spend. Just a budgeting app that respects the fact that your money is your business. New to budgeting? Snap receipts for a month and let Smart Envelope show you what you actually spent. Then build your envelopes from real numbers, not guesses. The app teaches budgeting through doing. Pricing - 14 days free trial - Then $4.99/month or $59.88/year - Cancel anytime Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. Manage or cancel anytime in Settings > [Your Name] > Subscriptions on your iPhone. Payment is charged to your Apple Account. Features - AI receipt scanning with automatic categorization - Voice entry - Manual entry - Unlimited envelopes - Full envelope budgeting That's $59.88 a year — or $4.99 a month. We never ask for your bank password to use Smart Envelope. Designed for iPhone. Available in USD and Mexican Peso. Tell your money where to go. Smart Envelope.

Screenshots

Stampli4 screens
Smart Envelope AI4 screens

Verdict

The call

The clearest difference is review sentiment: Smart Envelope AI at 100% against Stampli's 0%. Smart Envelope AI also leads on rating (5.0 vs 4.7). Stampli's advantage is in-app purchases (none vs 1) and update cadence (every 5 days vs every 2 months). On price, 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. Smart Envelope AI sells 1 in-app purchase, starting at $4.99 per month. Stampli asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Smart Envelope AI holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Stampli has 518 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 0% of Stampli's written reviews are positive against 100% of Smart Envelope AI's.

UpkeepUpdate frequency

Stampli ships an update every 5 days, Smart Envelope AI every 2 months. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

Scorecard7 real differences · 3 level
Stampli versus Smart Envelope AI: the parameters behind the verdict, then further details
ParameterStampliSmart Envelope AI
PriceFreeFree
Rating4.7 (518 ratings)5.0 (2 ratings) — better
Positive reviews0.0% of reviews100.0% of reviews — better
Number of ratings518 — better2
Update frequencyEvery 5 days — betterEvery 2 months
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterSubscription
DevicesiPhone, iPod — betteriPhone
Requires iOS15.5 — better17.6
Further details — not scored
Size72 MB3 MB
Age rating4+17+
DeveloperSTAMPLI INCEdge LLC

Customer experience

Stampli

All ratings518 ratings
Positive93.4%
Neutral2.1%
Negative4.4%
Written reviews9 reviews
Positive0.0%
Neutral22.2%
Negative77.8%

Smart Envelope AI

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Stampli

No in-app purchases

1 purchases

Smart Envelope AI

Subscriptions1
  • AI Tier Monthly14 Days trial$4.991 Month

Questions

Is Stampli free?
Stampli is free to download, with no in-app purchases.
Is Smart Envelope AI free?
Smart Envelope AI is free to download, with in-app purchases available.
Which has better reviews, Stampli or Smart Envelope AI?
Smart Envelope AI is rated higher. Stampli averages 4.7 out of 5 from 518 ratings, while Smart Envelope AI averages 5.0 from 2 ratings.
Do Stampli or Smart Envelope AI have ads?
Neither Stampli nor Smart Envelope AI shows ads.
Which is updated more often, Stampli or Smart Envelope AI?
Stampli ships an update every 5 days, and Smart Envelope AI every 2 months. Most recently, Stampli was updated on November 3, 2026 and Smart Envelope AI on October 31, 2026.

Other comparisons