# Envelope Budget vs CoFinance

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.

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.

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.

## The numbers

| Metric | Envelope Budget | CoFinance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (47 ratings)](https://appshunter.io/ios/app/envelope-budget-kualia/id6466455367/reviews)** | — |
| Number of ratings | **47** | — |
| Positive reviews | 89.7% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 4 days** | Every 9 days |
| Monetization | Subscription | — |
| Size | 45 MB | 27 MB |
| Requires iOS | **18.0** | 26.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Kualia, Inc.](https://appshunter.io/developer/1707407810) | [DIEGO DIAZ VAZQUEZ](https://appshunter.io/developer/1843500849) |

## What reviewers say

### Envelope Budget

[App page](https://appshunter.io/ios/app/envelope-budget-kualia/id6466455367)

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:** macOS Compatibility

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Kualia Pro Month | $9.99 | per month |
| Kualia Pro Monthly | $9.99 | per month |
| Kualia Pro Year | $79.99 | per year |
| Kualia Pro Year | $79.99 | per year |
| Kualia Pro Lifetime | $199.99 | one-time |


### CoFinance

[App page](https://appshunter.io/ios/app/cofinance/id6754172453)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| CoFinance Pro Subscription | $2.99 | per month |
| CoFinance Pro Subscription | $29.99 | per year |
| CoFinance Pro Lifetime | $49.99 | one-time |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*