Liquid Budget vs Envelope Budget
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Liquid Budget
Manage your finances with a digital envelope budgeting system. Track transactions, assign funds to categories, and monitor spending progress. Keep your accounts accurate and credit card debt clear with this intuitive finance tool.
- Transaction management
- Envelope assignment
- Account reconciliation
- Budget overview
- Credit card tracking
- Multi-currency support
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Key Features: - Transaction Management - Add, edit, and categorize transactions as they happen - Envelope Assignment - Allocate funds across your budget categories right from your phone - Account Reconciliation - Keep your accounts accurate with on-the-go reconciliation - Budget Overview - View your available balances and spending progress at a glance - Credit Card Tracking - Monitor payment allocations and manage credit card debt clearly - Transaction Search - Quickly find past transactions when you need them - Multi-Currency Support - Use any of our supported currencies and locale settings - Privacy First: No ads, no trackers — just your budget, your data. Liquid Budget Mobile syncs seamlessly with your main account, ensuring your budget is always up to date whether you're accessing it from your phone or computer. The intuitive interface makes it easy to stay on top of your finances while shopping, traveling, or simply away from your desk.
Envelope Budget
Manage your money by assigning every dollar a purpose. Track spending against your budget in real-time, ensuring you know exactly what you can afford to spend. Plan for bills and savings with a clear overview of your finances.
- Envelope budgeting
- Paycheck allocation
- Transaction tracking
- Bank sync (read-only)
- Bills calendar
- Savings goals
- Budget reports
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Stop wondering if you can afford it. Envelope Budget gives every dollar a job, so you always know what you can spend, what's set aside for bills, and what's left until payday. HOW IT WORKS When you get paid, fill your envelopes: mortgage, groceries, gas, eating out, savings. Every purchase comes out of an envelope. When one runs low, you know before you overspend, not after. FEATURES • Envelopes at a glance: see what's funded, what's spent and what's left in every envelope • Payday in one tap: allocate a paycheck the moment it lands, or reuse a paycheck template • Overspent? Cover it from another envelope in one tap. No guilt, just a plan • Smart inbox: new transactions arrive sorted. Payee rules suggest the envelope, and you swipe to accept • Bank sync: connect your bank through Plaid or SimpleFIN (read-only), or enter everything by hand • Amazon orders split by item: each item lands in the right envelope, with the EnvelopeBudget browser extension • Budget Bootcamp: a guided start that walks you through your first weeks, step by step • Budget together: invite your partner or family to the same budget, in sync on phone and web • Bills calendar and savings goals, so nothing sneaks up on you • Reports: spending by category, income by source, and net worth over time • Home Screen and Lock Screen widgets • Face ID or a PIN to keep your budget private PRIVATE BY DESIGN No ads. We never sell your data. Bank connections are read-only, and you can skip them entirely. FREE TRIAL, MEMBERSHIP AND SELF-HOSTING Envelope Budget can be used at no charge with your own self-hosted Envelope Budget server. The optional EnvelopeBudget.com hosted service includes a 34-day free trial; continued access to that hosted service requires a paid membership purchased through an in-app purchase. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is in-app purchases: Liquid Budget at none against Envelope Budget's 3. Liquid Budget also leads on ratings volume (31 vs 4). Envelope Budget's advantage is update cadence (every 2 days vs weekly). On price, rating, review sentiment 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. Envelope Budget sells 3 in-app purchases, starting at $3.99 per month. Liquid Budget asks for nothing beyond the download.
On the App Store both sit at effectively the same score — 5.0 for Liquid Budget against 5.0 for Envelope Budget. That said, the two scores are not equally well evidenced: Liquid Budget has 31 ratings behind it against 4, so its average is the more settled of the two. Written reviews split almost evenly too, at 100% and 100% positive.
Liquid Budget ships an update weekly, Envelope Budget every 2 days. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.
| Parameter | Liquid Budget | Envelope Budget |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (31 ratings) | 5.0 (4 ratings) |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | 31 — better | 4 |
| Update frequency | Weekly | Every 2 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.4 | 15.0 — better |
| Further details — not scored | ||
| Size | 56 MB | 47 MB |
| Age rating | 4+ | 4+ |
| Developer | Anthony DePalma | Red Seam, Inc |
Customer experience
Liquid Budget
Envelope Budget
In-app purchases
Liquid Budget
No in-app purchases
Envelope Budget
- Monthly Membership$3.991 Month
- Annual Membership$39.991 Year
- Lifetime Membership$59.99
Questions
Is Liquid Budget free?
Is Envelope Budget free?
Which has better reviews, Liquid Budget or Envelope Budget?
Do Liquid Budget or Envelope Budget have ads?
Which is updated more often, Liquid Budget or Envelope Budget?
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