Spendly vs Budget Envelopes Spend Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Spendly
Manage your personal finances with this straightforward app. Track expenses, set savings targets, and monitor your financial health. All your data is kept private and secure on your device.
- Expense tracking
- Savings goal setting
- Financial situation overview
- On-device data storage
- No account required
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Spendly - a simple and effective personal finance management app. Track your spending, set savings goals, and easily keep track of your financial situation. No account required, no data collection - all information is securely stored on your device.
Budget Envelopes Spend Tracker
Manually track spending using the envelope budgeting method on your phone. Create virtual wallets for different expenses, allocate income, and log transactions to see exactly how much you have left. Features shared wallets and receipt scanning for easy expense logging.
- Create virtual wallets for any expense
- Allocate income across wallets
- Log expenses manually
- Track remaining budget per wallet
- Shared wallets for couples/families
- Receipt scanning for expense import
- Budget weekly, monthly, or yearly
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Budget Envelopes is a simple, deliberate way to plan your money using the classic envelope method — now on your phone. Create virtual wallets for anything you spend on (groceries, rent, gas, date night, savings) and allocate your income across them. Every time you spend, log it against the right wallet and see exactly what you have left. No bank connections. No cryptic charts. No guessing where your money went. Just you, your wallets, and a budget that actually works because you built it. -------------------- WHY ENVELOPE BUDGETING WORKS -------------------- The envelope method (sometimes called cash stuffing or zero-based budgeting) has helped people take control of their money for decades. The idea is simple: decide what every dollar is for BEFORE you spend it, not after. When a wallet runs low, you know it's time to slow down — no surprises at the end of the month. Budget Envelopes brings that discipline to your pocket, without the physical cash. -------------------- WHAT YOU CAN DO -------------------- - CREATE WALLETS for anything — groceries, rent, subscriptions, savings goals, fun money - CHOOSE YOUR PERIOD — budget weekly, monthly, or yearly depending on the wallet - ROLL OVER unspent budget into the next period, per wallet - ORGANIZE WITH CATEGORIES to tag transactions and see where money goes - TRACK EVERY EXPENSE manually, so you stay intentional about what you spend - SEE DAILY PACE on each wallet — your remaining daily allowance for the rest of the period - NAVIGATE PAST & FUTURE periods to plan ahead or review where you've been - SET RECURRING EXPENSES for bills that hit the same amount every cycle - VIEW A PERIOD SUMMARY that aggregates what's budgeted and spent across all wallets -------------------- BUILT FOR PEOPLE WHO WANT CONTROL -------------------- Budget Envelopes is manual on purpose. Automated apps that sync your bank can show you what happened — but they can't tell you what SHOULD happen. The act of logging an expense yourself is what makes envelope budgeting work. It keeps you present with your money. If you've tried auto-tracking apps and still felt out of control, this is for you. -------------------- SHARED WALLETS FOR COUPLES & FAMILIES -------------------- Sync a wallet with your partner, roommate, or family and keep one shared budget in real time. Everyone sees the same numbers — no more "wait, did you already buy groceries this week?" -------------------- MAGIC IMPORT -------------------- Snap a receipt, upload a CSV, or drop in a bank statement PDF and let Budget Envelopes pull out the line items and totals for you. All the discipline of manual tracking, none of the typing. -------------------- PRIVATE BY DEFAULT -------------------- We don't connect to your bank. We don't sell your data. Your budget is yours. -------------------- SUBSCRIPTION DETAILS -------------------- Budget Envelopes offers a 7-day free trial. After the trial, continued access requires a subscription. Shared wallets and Magic Import are subscriber-only features. Subscriptions auto-renew unless canceled at least 24 hours before the end of the current period. You can manage or cancel anytime in your Apple ID account settings. Terms of Use: https://dimmple-benv.web.app/terms-of-service Privacy Policy: https://dimmple-benv.web.app/privacy-policy -------------------- Questions or feedback? We'd love to hear from you: support@dimmple.com
Screenshots
Verdict
The clearest difference is update cadence: Spendly at every 4 days against Budget Envelopes Spend Tracker's every 3 weeks. On price, rating, ratings volume and ads 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. Spendly sells 1 one-off in-app purchase and Budget Envelopes Spend Tracker sells 1 in-app purchase, starting at $24.99 per year. 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 Spendly against 5.0 for Budget Envelopes Spend Tracker. Both are backed by a comparable volume of ratings — 1 and 2 respectively.
Spendly ships an update every 4 days, Budget Envelopes Spend Tracker every 3 weeks. The most recent releases landed on October 30, 2026 and November 9, 2026 respectively.
| Parameter | Spendly | Budget Envelopes Spend Tracker |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) | 5.0 (2 ratings) |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 1 | 2 — better |
| Update frequency | Every 4 days — better | Every 3 weeks |
| Ads | Yes | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 7 MB | 136 MB |
| Age rating | 4+ | 4+ |
| Developer | Hieu Xuan Leu | DIMMPLE PTY LTD |
Customer experience
Spendly
Budget Envelopes Spend Tracker
In-app purchases
Spendly
- Remove Ads$0.99
Budget Envelopes Spend Tracker
- Pro Yearly$24.991 Year
Questions
Is Spendly free?
Is Budget Envelopes Spend Tracker free?
Which has better reviews, Spendly or Budget Envelopes Spend Tracker?
Do Spendly or Budget Envelopes Spend Tracker have ads?
Which is updated more often, Spendly or Budget Envelopes Spend Tracker?
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