Comparison

Spendly vs Budget Envelopes Spend Tracker

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Expense tracking
  • Savings goal setting
  • Financial situation overview
  • On-device data storage
  • No account required
Features
Read full description

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.

About

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.

Highlights
  • 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
Features
Read full description

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

Spendly4 screens
Budget Envelopes Spend Tracker4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard1 real difference · 9 level
Spendly versus Budget Envelopes Spend Tracker: the parameters behind the verdict, then further details
ParameterSpendlyBudget Envelopes Spend Tracker
PriceFreeFree
Rating5.0 (1 ratings)5.0 (2 ratings)
Positive reviews100.0% of reviews—
Number of ratings12 — better
Update frequencyEvery 4 days — betterEvery 3 weeks
AdsYesYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhoneiPhone, iPod — better
Requires iOS16.615.0 — better
Further details — not scored
Size7 MB136 MB
Age rating4+4+
DeveloperHieu Xuan LeuDIMMPLE PTY LTD

Customer experience

Spendly

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Budget Envelopes Spend Tracker

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

1 purchases

Spendly

One-time1
  • Remove Ads$0.99
1 purchases

Budget Envelopes Spend Tracker

Subscriptions1
  • Pro Yearly$24.991 Year

Questions

Is Spendly free?
Spendly is free to download, with in-app purchases available.
Is Budget Envelopes Spend Tracker free?
Budget Envelopes Spend Tracker is free to download, with in-app purchases available.
Which has better reviews, Spendly or Budget Envelopes Spend Tracker?
Spendly and Budget Envelopes Spend Tracker are both rated 5.0 out of 5 on the App Store, from 1 and 2 ratings respectively.
Do Spendly or Budget Envelopes Spend Tracker have ads?
Both Spendly and Budget Envelopes Spend Tracker show ads.
Which is updated more often, Spendly or Budget Envelopes Spend Tracker?
Spendly ships an update every 4 days, and Budget Envelopes Spend Tracker every 3 weeks. Most recently, Spendly was updated on October 30, 2026 and Budget Envelopes Spend Tracker on November 9, 2026.

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