Comparison

Spending Tracker vs Budget Envelope Planner

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

Head to head
About

Spending Tracker

This privacy-focused personal finance manager helps you track expenses, manage budgets, and monitor cash flow with a clean, distraction-free design. It offers features like multi-currency support, offline functionality, and Apple Pay automation for effortless money management.

Highlights
  • Expense logging and categorization
  • Multi-currency tracking
  • Offline functionality
  • Apple Pay automation
  • Budget creation and monitoring
  • Multiple account management
Features
Read full description

Spending Tracker: Cash Counter The simple, privacy-focused personal finance manager. Track expenses, manage cash flow, and take control of your money with ease. Spending Tracker: Cash Counter is your all-in-one app for smarter money management. Quickly log expenses, organize budgets, and monitor your financial habits – all in a clean, distraction-free design. Smarter Expense Tracking - Log your spending in seconds and categorize it for deeper insights - Supports multi-currency tracking with secure iCloud sync - Works offline to keep your data private and accessible anytime - Apple Pay Automation Automatically record Apple Pay purchases to save time and keep your cash counter accurate Budgeting Made Easy - Create budgets and monitor your progress with clear charts and summaries - Understand your spending habits and make smarter financial choices Manage Multiple Accounts - Track cash, cards, and wallets in one place - Transfer between accounts and stay organized effortlessly Your Privacy Matters - No sign-up - No ads - No tracking Your data stays safe and under your control Your Money, Simplified Whether you’re planning a budget, tracking daily expenses, or managing cash flow, Spending Tracker: Cash Counter makes personal finance stress-free. Download now and start managing your finances with confidence. This app is licensed under Apple’s Standard End User License Agreement (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Budget Envelope Planner

Features
Read full description

Give every dollar a job — before you spend it. Budget Envelope Planner brings the proven cash envelope method (cash stuffing) to iPhone and iPad. Split your monthly income into virtual envelopes — Rent, Groceries, Gas, Eating Out, Savings, Debt Payoff — and always know exactly what's left to spend. When an envelope runs low, you see it before you overspend, not after. ZERO-BASED BUDGETING MADE SIMPLE • Enter your monthly income in US dollars • Assign every dollar to an envelope until "Left to Assign" reads $0.00 • A budget where income minus envelopes equals zero — every dollar has a job TRACK SPENDING IN SECONDS • Log an expense with two taps: amount, envelope, done • Add notes like "Walmart" or "Electric bill" so you remember every purchase • Clear progress bars show spent vs. remaining for each envelope ROLLOVER THAT BUILDS A BUFFER • Leftover money can roll into next month automatically • Perfect for sinking funds: car repairs, travel, holiday gifts • Start each new month with your plan copied and carryover applied REPORTS THAT MAKE IT CLICK • Spending by envelope with a beautiful donut chart • Budget vs. actual for every envelope • Month-to-month spending trend PRIVATE BY DESIGN • No account, no sign-up, no bank login • All data stays on your device — nothing is uploaded • Export your budget as CSV anytime BUDGET ENVELOPE PLANNER PRO (subscription required) This app requires a Budget Envelope Planner Pro auto-renewable subscription to use: • Pro Yearly: $29.99/year with a 3-day free trial • Pro Monthly: $3.99/month The subscription unlocks the complete app: unlimited envelopes, monthly rollover, reports and charts, and CSV export. Payment is charged to your Apple Account at confirmation of purchase (no charge during the free trial if cancelled at least 24 hours before it ends). Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in Settings > Apple Account > Subscriptions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://appios432.blogspot.com/p/privacy-policy_0317922850.html Take control of your money the simple way — plan it, spend it, and know where it went. Download Budget Envelope Planner and give every dollar a job today.

Screenshots

Spending Tracker4 screens
Budget Envelope Planner4 screens

Verdict

The call

Spending Tracker and Budget Envelope Planner are too close to call on the numbers: across 5 compared parameters — price, ads, in-app purchases and device support among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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. Spending Tracker sells 2 in-app purchases, starting at $2.99 per 7 days and Budget Envelope Planner sells 2 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

ScorecardNo meaningful differences
Spending Tracker versus Budget Envelope Planner: the parameters behind the verdict, then further details
ParameterSpending TrackerBudget Envelope Planner
PriceFreeFree
Rating5.0 (1 ratings) — better—
Number of ratings1 — better—
Update frequencyEvery 10 days—
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhoneiPhone, iPad — better
Requires iOS18.017.0 — better
Further details — not scored
Size11 MB2 MB
Age rating4+4+
DeveloperAitolkyn AbdulvakhapovaMD Shahariar Nazim Joy

In-app purchases

2 purchases

Spending Tracker

Subscriptions2
  • Weekly Plan3 Days trial$2.997 Days
  • Yearly Plan$19.991 Year
2 purchases

Budget Envelope Planner

Subscriptions2
  • Pro Monthly$3.991 Month
  • Pro Yearly3 Days trial$29.991 Year

Questions

Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Is Budget Envelope Planner free?
Budget Envelope Planner is free to download, with in-app purchases available.
Do Spending Tracker or Budget Envelope Planner have ads?
Neither Spending Tracker nor Budget Envelope Planner shows ads.

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