Comparison

Envelope Budget vs CoFinance

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

Head to head
About

Envelope Budget

Effortlessly manage your finances with an envelope budgeting system. Link accounts, track spending, and fund categories with ease. Gain clarity on your financial standing with insightful reports and a user-friendly interface.

Highlights
  • Envelope budgeting system
  • Unlimited spending categories
  • Track expenses, income, debt, and bills
  • Automatic bank syncing via Plaid
  • Net worth tracking
  • Spending trend reports
Features
Read full description

Kualia makes envelope budgeting effortless. Whether you're just getting started or switching from another app, you can set up your budget, link your accounts, and start tracking spending in minutes. Every dollar gets a purpose. Fund your categories with a single tap, review imported transactions with a swipe, and always know exactly where you stand financially. =============== What Users Are Saying "For those familiar with an envelope budget, or zero-based budget, this app really nails it. For a fraction of the price of competitors, it offers pretty much the same functionality, it's being actively developed, and the developers are super friendly and really prioritize user feedback." "I've spent a long time and numerous app downloads to find a budget app that meets all my needs and this is the one! This app is so easy to use and covers every single aspect that I am looking for." =============== Why Kualia? Budget With Confidence Built around the envelope method, Kualia turns budgeting from a chore into a daily habit you can actually keep up with. Create unlimited categories to organize your spending Set weekly, monthly, or yearly targets for each category Track expenses, income, debt, and recurring bills in one place Fund your entire budget with a single tap Bank Syncing Through Plaid Link your accounts and let transactions flow in automatically. Connect to thousands of financial institutions Review and categorize imported transactions one by one Enter transactions manually whenever you prefer Reports That Actually Help See the full picture of your finances without digging through spreadsheets. Track your net worth over time View monthly spending trends and top categories Reports classify transactions as inflows or outflows based on their net effect Spending breakdowns across savings, checking, and credit accounts Designed to Be Fast Kualia is built for speed. Budgeting a full list of categories, reviewing transactions, swiping through your day -- it all feels snappy and responsive. No lag, no waiting. Built by an Indie Developer Kualia is built and maintained by a solo developer who reads every piece of feedback. This isn't a faceless corporation. If you have a question, you'll hear back from the person who actually builds the app. =============== Subscription Kualia runs on a simple subscription with no ads, ever. 7-day free trial to explore everything No free tier with locked features. Everyone gets the full app. Subscriptions renew automatically unless canceled at least 24 hours before the end of the billing cycle. Any unused portion of the free trial is forfeited upon subscribing. Take control of your money with Kualia. Terms of Use: https://kualia.com/terms-of-service Privacy Policy: https://kualia.com/privacy

About

CoFinance

Features
Read full description

CoFinance es tu app de finanzas personales diseñada para ayudarte a organizar tu dinero de forma simple y visual. Lleva el control de tus ingresos, gastos y transferencias en un solo lugar. Organiza tus cuentas bancarias, tarjetas de crédito e inversiones con categorías personalizadas. Características principales: • Múltiples cuentas y tarjetas de crédito • Seguimiento de transacciones y transferencias • Control de suscripciones y pagos recurrentes • Presupuestos y metas de ahorro • Análisis de gastos por categorías • Funciona sin conexión a internet CoFinance Pro: • Cuentas, tarjetas y suscripciones ilimitadas • Presupuestos y ahorros ilimitados • Sincronización iCloud entre dispositivos • Suscripción mensual, anual o compra de por vida Tus datos son tuyos. CoFinance almacena toda tu información de forma local y privada en tu dispositivo. Terms of Use (EULA): https://diegodiazvazquez99-ai.github.io/CoFinance-site/terms.html Privacy Policy: https://diegodiazvazquez99-ai.github.io/CoFinance-site/privacy.html

Screenshots

Envelope Budget4 screens
CoFinance4 screens

Verdict

The call

The clearest difference is update cadence: Envelope Budget at every 4 days against CoFinance's every 9 days. Envelope Budget also leads on iOS requirement (18.0 vs 26.0). On price, ads, in-app purchases 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. Envelope Budget sells 5 in-app purchases, starting at $9.99 per month and CoFinance sells 3 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Envelope Budget ships an update every 4 days, CoFinance every 9 days. The most recent releases landed on November 3, 2026 and October 28, 2026 respectively.

Scorecard2 real differences · 8 level
Envelope Budget versus CoFinance: the parameters behind the verdict, then further details
ParameterEnvelope BudgetCoFinance
PriceFreeFree
Rating4.6 (47 ratings) — better—
Positive reviews89.7% of reviews—
Number of ratings47 — better—
Update frequencyEvery 4 days — betterEvery 9 days
AdsNoNo
In-app purchasesYesYes
MonetizationSubscription—
DevicesiPhoneiPhone
Requires iOS18.0 — better26.0
Further details — not scored
Size45 MB27 MB
Age rating4+17+
DeveloperKualia, Inc.DIEGO DIAZ VAZQUEZ

In-app purchases

5 purchases

Envelope Budget

Subscriptions4
  • Kualia Pro Month7 Days trial$9.991 Month
  • Kualia Pro Monthly$9.991 Month
  • Kualia Pro Year7 Days trial$79.991 Year
Show 1 more
  • Kualia Pro Year$79.991 Year
One-time1
  • Kualia Pro Lifetime$199.99
3 purchases

CoFinance

Subscriptions2
  • CoFinance Pro Subscription$2.991 Month
  • CoFinance Pro Subscription$29.991 Year
One-time1
  • CoFinance Pro Lifetime$49.99

Questions

Is Envelope Budget free?
Envelope Budget is free to download, with in-app purchases available.
Is CoFinance free?
CoFinance is free to download, with in-app purchases available.
Do Envelope Budget or CoFinance have ads?
Neither Envelope Budget nor CoFinance shows ads.
Which is updated more often, Envelope Budget or CoFinance?
Envelope Budget ships an update every 4 days, and CoFinance every 9 days. Most recently, Envelope Budget was updated on November 3, 2026 and CoFinance on October 28, 2026.

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