# Budget Zero vs Hoypay

The clearest difference is in-app purchases: Hoypay at none against Budget Zero's 2. Hoypay also leads on iOS requirement (12.0 vs 18.0). Budget Zero's advantage is update cadence (every 4 days vs every 3 weeks). On price, ads and device support there is nothing between them.

Both are free to download. Budget Zero sells 2 in-app purchases, starting at $2.99 per month. Hoypay asks for nothing beyond the download.

Budget Zero ships an update every 4 days, Hoypay every 3 weeks. The most recent releases landed on October 6, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | Budget Zero | Hoypay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (5 ratings)](https://appshunter.io/ios/app/budget-zero-envelope-planner/id6482576006/reviews)** | — |
| Number of ratings | **5** | — |
| Positive reviews | 50.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 4 days** | Every 3 weeks |
| Monetization | Freemium | — |
| Size | 12 MB | 64 MB |
| Requires iOS | 18.0 | **12.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Grey Park, LLC](https://appshunter.io/developer/1739831354) | [Neil Marc Mejia](https://appshunter.io/developer/1764735414) |

## 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 |


### Hoypay

[App page](https://appshunter.io/ios/app/hoypay/id6742076148)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Budget Zero free?

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

### Is Hoypay free?

Hoypay is free to download, with no in-app purchases.

### Do Budget Zero or Hoypay have ads?

Neither Budget Zero nor Hoypay shows ads.

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

Budget Zero ships an update every 4 days, and Hoypay every 3 weeks. Most recently, Budget Zero was updated on October 6, 2026 and Hoypay on October 13, 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.*