Comparison

Envelope Budget vs Budget Planner and Tracker +

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

Head to head
About

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.

Highlights
  • Envelope budgeting
  • Paycheck allocation
  • Transaction tracking
  • Bank sync (read-only)
  • Bills calendar
  • Savings goals
  • Budget reports
Features
Read full description

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/

About

Budget Planner and Tracker +

Read full description

Our app is an easy-to-use budgeting and expense tracking tool designed to help you manage your finances, monitor spending, and stay organized with your daily budget. Quickly add income and expenses, organize transactions into categories, and track your financial activity with simple and intuitive management tools. Set spending limits, monitor recurring payments, and stay informed about upcoming expenses with helpful reminders and summaries. Visual charts and reports make it easier to understand your spending habits, track financial goals, and review your progress over time. Built-in search and filtering tools help you quickly find transactions, while import and export features provide convenient access to your financial data. Key Features: - Fast income and expense tracking - Budget categories and spending limits - Financial charts and spending insights - Payment reminders and recurring expense tracking - Transaction search and filtering tools - Import and export functionality - Goal tracking and financial organization - Clean and intuitive user interface Free Features Include: - Basic budgeting and expense tracking - Limited transaction entries - Weekly financial summaries - Essential budget management tools Premium Features Unlock: - Unlimited transactions - Full access to all budgeting categories - Detailed monthly and yearly reports - Advanced financial insights and analytics - Extended goal tracking features Whether you’re managing personal finances, tracking subscriptions, or organizing your monthly budget, the app provides simple and convenient tools to help you stay in control of your money. This application offers auto-renewable subscriptions and in-app purchases: Weekly — $4.99 Monthly — $12.99 Yearly — $39.99 Lifetime — $59.99 Terms of Use Link: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://docs.google.com/document/d/1HYRAC5S3ZJxuzH6c86rIjXTCYbeXKM3783QKDritg9s/edit?usp=sharing

Screenshots

Envelope Budget4 screens
Budget Planner and Tracker +4 screens

Verdict

The call

The clearest difference is update cadence: Envelope Budget at every 2 days against Budget Planner and Tracker +'s every 3 weeks. Budget Planner and Tracker +'s advantage is iOS requirement (13.0 vs 15.0). On price, ads, in-app purchases and device support 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. Envelope Budget sells 3 in-app purchases, starting at $3.99 per month and Budget Planner and Tracker + sells 5 in-app purchases, starting at $4.99 per 7 days. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Envelope Budget ships an update every 2 days, Budget Planner and Tracker + every 3 weeks. The most recent releases landed on October 22, 2026 and October 15, 2026 respectively.

Scorecard2 real differences · 8 level
Envelope Budget versus Budget Planner and Tracker +: the parameters behind the verdict, then further details
ParameterEnvelope BudgetBudget Planner and Tracker +
PriceFreeFree
Rating5.0 (4 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings4 — better—
Update frequencyEvery 2 days — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size47 MB39 MB
Age rating4+4+
DeveloperRed Seam, IncEXERCISE RX LLC

In-app purchases

3 purchases

Envelope Budget

Subscriptions2
  • Monthly Membership$3.991 Month
  • Annual Membership$39.991 Year
One-time1
  • Lifetime Membership$59.99
5 purchases

Budget Planner and Tracker +

Subscriptions4
  • Weekly$4.997 Days
  • Weekly-Trial3 Days trial$4.997 Days
  • Monthly$12.991 Month
Show 1 more
  • Yearly$39.991 Year
One-time1
  • Lifetime$59.99

Questions

Is Envelope Budget free?
Envelope Budget is free to download, with in-app purchases available.
Is Budget Planner and Tracker + free?
Budget Planner and Tracker + is free to download, with in-app purchases available.
Do Envelope Budget or Budget Planner and Tracker + have ads?
Neither Envelope Budget nor Budget Planner and Tracker + shows ads.
Which is updated more often, Envelope Budget or Budget Planner and Tracker +?
Envelope Budget ships an update every 2 days, and Budget Planner and Tracker + every 3 weeks. Most recently, Envelope Budget was updated on October 22, 2026 and Budget Planner and Tracker + on October 15, 2026.

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