# Budget Zero vs Envelopes

The clearest difference is review sentiment: Envelopes at 100% against Budget Zero's 50%. Envelopes also leads on rating (5.0 vs 4.2). Budget Zero's advantage is update cadence (every 4 days vs every 2 weeks). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. Budget Zero sells 2 in-app purchases, starting at $2.99 per month and Envelopes sells 2 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

Envelopes holds the better App Store score, 5.0 against 4.2. Both are backed by a comparable volume of ratings — 5 and 7 respectively. Written reviews point the same way: 50% of Budget Zero's written reviews are positive against 100% of Envelopes's.

Budget Zero ships an update every 4 days, Envelopes every 2 weeks. The most recent releases landed on October 6, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | Budget Zero | Envelopes |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (5 ratings)](https://appshunter.io/ios/app/budget-zero-envelope-planner/id6482576006/reviews) | **[5.0 (7 ratings)](https://appshunter.io/ios/app/envelopes-simple-budgeting/id6740543190/reviews)** |
| Number of ratings | 5 | **7** |
| Positive reviews | 50.0% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 4 days** | Every 2 weeks |
| Monetization | Freemium | Freemium |
| Size | 12 MB | 9 MB |
| Requires iOS | 18.0 | 18.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Grey Park, LLC](https://appshunter.io/developer/1739831354) | [JOSCHUA GLAU](https://appshunter.io/developer/1757748908) |

## What reviewers say

### Budget Zero

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

This app offers a private and simple way to manage your money using a zero-based envelope budgeting system. It allows manual transaction logging without linking bank accounts, helping you track every dollar and stay mindful of your spending.

**Highlights:** Zero-based envelope budgeting, Manual transaction logging, No bank account linking, Private and secure, Offline functionality, Monthly budget periods

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $2.99 | per month |
| Yearly Subscription | $19.99 | per year |


### Envelopes

[App page](https://appshunter.io/ios/app/envelopes-simple-budgeting/id6740543190)

This app helps you manage your money by allocating funds into different spending categories, or "envelopes." You can quickly log expenses to track where your money goes and then refill your envelopes as needed to reach your financial goals.

**Highlights:** Envelope budgeting system, Expense logging, Financial goal tracking, Money allocation, Spending mindfulness

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $0.99 | per month |
| Yearly | $4.99 | per year |


## Frequently asked questions

### Is Budget Zero free?

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

### Is Envelopes free?

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

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

Envelopes is rated higher. Budget Zero averages 4.2 out of 5 from 5 ratings, while Envelopes averages 5.0 from 7 ratings.

### Do Budget Zero or Envelopes have ads?

Neither Budget Zero nor Envelopes shows ads.

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

Budget Zero ships an update every 4 days, and Envelopes every 2 weeks. Most recently, Budget Zero was updated on October 6, 2026 and Envelopes on October 10, 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.*