# Budget Zero vs Simpler Budget

The clearest difference is rating: Simpler Budget at 5.0 against Budget Zero's 4.3. Simpler Budget also leads on iOS requirement (15.1 vs 18.0). Budget Zero's advantage is update cadence (every 3 days vs fortnightly). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. Budget Zero sells 3 in-app purchases, starting at $3.99 per month and Simpler Budget sells 5 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

Simpler Budget holds the better App Store score, 5.0 against 4.3. Both are backed by a comparable volume of ratings — 7 and 3 respectively.

Budget Zero ships an update every 3 days, Simpler Budget fortnightly. The most recent releases landed on November 8, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | Budget Zero | Simpler Budget |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (7 ratings)](https://appshunter.io/ios/app/budget-zero-envelope-planner/id6482576006/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/simpler-budget-envely/id6739703794/reviews)** |
| Number of ratings | **7** | 3 |
| Positive reviews | 75.0% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 3 days** | Fortnightly |
| Monetization | Freemium | Free with in-app purchases |
| Size | 21 MB | 39 MB |
| Requires iOS | 18.0 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | +4 | 4+ |
| Developer | [Grey Park, LLC](https://appshunter.io/developer/1739831354) | [Cristian Bozzato](https://appshunter.io/developer/1550434799) |

## What reviewers say

### Budget Zero

[App page](https://appshunter.io/ios/app/budget-zero-envelope-planner/id6482576006)

This app helps you manage your money privately using a zero-based envelope budgeting system. It allows manual transaction logging without linking bank accounts, offering a distraction-free interface and offline functionality.

**Highlights:** Zero-based envelope budgeting, Private, no bank linking, Manual transaction logging, Offline functionality, Budget rollover, iCloud sync, Dark mode support

**Features:** macOS Compatibility, Family Sharing, Vision Pro support, iPhone Duo support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $3.99 | per month |
| Yearly Subscription | $29.99 | per year |
| Lifetime Access | $79.99 | one-time |


### Simpler Budget

[App page](https://appshunter.io/ios/app/simpler-budget-envely/id6739703794)

Manage your money effectively with this intuitive budgeting app. It uses the envelope system to help you track spending, categorize transactions, and visualize savings goals. Gain insights into your financial habits to make smarter decisions and reach your financial objectives.

**Highlights:** Envelope budgeting system, Expense and income tracking, Customizable categories, Visual savings tracker, Monthly financial overviews, Insightful spending reports

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

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly subscription | $4.99 | per month |
| Monthly subscription | $4.99 | per month |
| Monthly subscription | $29.99 | per year |
| Lifetime PRO access | $19.99 | one-time |
| Lifetime access | $49.99 | one-time |


## Frequently asked questions

### Is Budget Zero free?

Budget Zero is free to download, with in-app purchases available.

### Is Simpler Budget free?

Simpler Budget is free to download, with in-app purchases available.

### Which has better reviews, Budget Zero or Simpler Budget?

Simpler Budget is rated higher. Budget Zero averages 4.3 out of 5 from 7 ratings, while Simpler Budget averages 5.0 from 3 ratings.

### Do Budget Zero or Simpler Budget have ads?

Neither Budget Zero nor Simpler Budget shows ads.

### Which is updated more often, Budget Zero or Simpler Budget?

Budget Zero ships an update every 3 days, and Simpler Budget fortnightly. Most recently, Budget Zero was updated on November 8, 2026 and Simpler Budget 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.*