Budget Zero vs EnvelUp
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Budget Zero
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.
- Zero-based envelope budgeting
- Manual transaction logging
- No bank account linking
- Private and secure
- Offline functionality
- Monthly budget periods
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The budgeting app that respects your wallet AND your privacy. Budget Zero uses zero-based envelope to budget down to zero - without linking your bank account or tracking your data. Join countless users who've taken control of their money the simple way. WHY BUDGET ZERO? • Affordable - A fraction of the cost of other budgeting apps. • Private - No bank linking. No data selling. Your finances stay yours. • Simple - Manual entry keeps you mindful of every transaction • Powerful - Full envelope budgeting with monthly budget periods HOW IT WORKS 1. Add your accounts (checking, savings, credit cards, cash) 2. Create budget categories and organize them into groups 3. Assign dollars to each category every month 4. Log transactions and watch your budget update in real time 5. Reach zero - every dollar has a job FEATURES • Zero-based envelope budgeting system • Multiple account support (checking, savings, credit, cash) • Monthly budget periods with easy month-to-month navigation • Budget groups for organized category management • Transaction tracking with payee, date, and category • Credit card budget tracking • iCloud-synced across your devices • Works offline - no internet required to budget • Clean, distraction-free interface • Dark mode support BUDGET ZERO PRO Unlock additional features with an affordable one-time or low-cost subscription - a fraction of what competitors charge. Take control of your money. Download Budget Zero today. About Subscriptions: • Subscription Name: Budget Zero Pro • Subscription Length: 1 Month or 1 Year (Auto-renewable) • Subscription Price: $3.99/month or $19.99/year • Payment will be charged to your iTunes Account at confirmation of purchase. • Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. • Your account will be charged for renewal within 24 hours prior to the end of the current period. • You can manage or turn off auto-renew in your Apple ID Account Settings at any time after purchase. Links: • Privacy Policy: https://sites.google.com/view/budget-zero-privacy-policy • Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
EnvelUp
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Digital envelope system that allows you to track every dollar you spend so you can better manage your budget!
Screenshots
Verdict
The clearest difference is in-app purchases: EnvelUp at none against Budget Zero's 2. EnvelUp also leads on iOS requirement (13.0 vs 18.0). Budget Zero's advantage is update cadence (every 4 days vs fortnightly). On price, ads 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
Both are free to download. Budget Zero sells 2 in-app purchases, starting at $2.99 per month. EnvelUp asks for nothing beyond the download.
Budget Zero ships an update every 4 days, EnvelUp fortnightly. The most recent releases landed on October 6, 2026 and October 16, 2026 respectively.
| Parameter | Budget Zero | EnvelUp |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (5 ratings) — better | — |
| Positive reviews | 50.0% of reviews | — |
| Number of ratings | 5 — better | — |
| Update frequency | Every 4 days — better | Fortnightly |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | — |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 18.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 12 MB | 38 MB |
| Age rating | 4+ | 4+ |
| Developer | Grey Park, LLC | Mark Bixler |
In-app purchases
Budget Zero
- Monthly Subscription1 Month trial$2.991 Month
- Yearly Subscription1 Month trial$19.991 Year
EnvelUp
No in-app purchases








