# Prosper vs Envelope Budget

The clearest difference is update cadence: Envelope Budget at every 4 days against Prosper's every 3 weeks. Envelope Budget also leads on ratings volume (4 vs 1). On price, rating, review sentiment and ads there is nothing between them.

Both are free to download. Prosper sells 3 in-app purchases, starting at $0.99 per month and Envelope Budget sells 5 in-app purchases, starting at $3.00 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for Prosper against 5.0 for Envelope Budget. Both are backed by a comparable volume of ratings — 1 and 4 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

Prosper ships an update every 3 weeks, Envelope Budget every 4 days. The most recent releases landed on October 30, 2026 and November 12, 2026 respectively.

## The numbers

| Metric | Prosper | Envelope Budget |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/prosper-financial-planner/id6677030972/reviews) | [5.0 (4 ratings)](https://appshunter.io/ios/app/envelope-budget-paycheck-plan/id6747729124/reviews) |
| Number of ratings | 1 | **4** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 4 days** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 26 MB | 50 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Paulo Jose Mendes Marques](https://appshunter.io/developer/1768019220) | [Red Seam, Inc](https://appshunter.io/developer/1761287292) |

## What reviewers say

### Prosper

[App page](https://appshunter.io/ios/app/prosper-financial-planner/id6677030972)

Plan your financial future with interactive projections for net worth, cash flow, and retirement. Simulate major life decisions and optimize financial goals like mortgage payments. Data is stored locally for privacy with optional cloud sync.

**Highlights:** Interactive net worth and cash flow projections, What-if scenario testing, Inflation-adjusted projections, Mortgage optimization tools, Household planning with multiple profiles, Offline support and local data storage

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| FP Pro - Monthly | $0.99 | per month |
| FP Pro - Annual | $3.99 | per year |
| Pro Features | $6.99 | one-time |


### Envelope Budget

[App page](https://appshunter.io/ios/app/envelope-budget-paycheck-plan/id6747729124)

Manage your money by assigning every dollar a purpose. Track spending against your budget in real-time, ensuring you know exactly what's available for each category and what's reserved for upcoming bills. Stay in control of your finances with clear visibility until your next payday.

**Highlights:** Envelope budgeting system, Paycheck allocation, Transaction categorization, Bank account syncing, Bills calendar, Spending reports, Shared budgeting

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

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Bank Sync Monthly | $3.00 | per month |
| Monthly Membership | $3.99 | per month |
| Bank Sync Yearly | $30.00 | per year |
| Annual Membership | $39.99 | per year |
| Lifetime Membership | $59.99 | one-time |


## Frequently asked questions

### Is Prosper free?

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

### Is Envelope Budget free?

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

### Which has better reviews, Prosper or Envelope Budget?

Prosper and Envelope Budget are both rated 5.0 out of 5 on the App Store, from 1 and 4 ratings respectively.

### Do Prosper or Envelope Budget have ads?

Neither Prosper nor Envelope Budget shows ads.

### Which is updated more often, Prosper or Envelope Budget?

Prosper ships an update every 3 weeks, and Envelope Budget every 4 days. Most recently, Prosper was updated on October 30, 2026 and Envelope Budget on November 12, 2026.

---

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