# Envelope Budget App vs Toki

Envelope Budget App and Toki are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Both are free to download. Envelope Budget App sells 3 in-app purchases, starting at $2.99 per month and Toki sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

Envelope Budget App ships an update every 9 days, Toki every 5 days. The most recent releases landed on November 9, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Envelope Budget App | Toki |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 9 days | **Every 5 days** |
| Size | 77 MB | 11 MB |
| Requires iOS | **16.0** | 17 |
| Devices | iPhone, iPad | **iPhone, iPad, Apple Watch** |
| Age rating | 17+ | +4 |
| Developer | [Leonel Meque](https://appshunter.io/developer/1853594289) | [VICENTE CORDUA ALLENDE IRIARTE](https://appshunter.io/developer/1866373032) |

## What reviewers say

### Envelope Budget App

[App page](https://appshunter.io/ios/app/envelope-budget-app-wallyo/id6755391865)

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Wallyo Premium Monthly | $2.99 | per month |
| Wallyo Premium Yearly | $24.99 | per year |
| Wallyo Premium Lifetime | $24.99 | one-time |


### Toki

[App page](https://appshunter.io/ios/app/toki-expense-tracker/id6757361622)

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlimited Pro Access | $4.99 | one-time |


## Frequently asked questions

### Is Envelope Budget App free?

Envelope Budget App is free to download, with in-app purchases available.

### Is Toki free?

Toki is free to download, with in-app purchases available.

### Do Envelope Budget App or Toki have ads?

Neither Envelope Budget App nor Toki shows ads.

### Which is updated more often, Envelope Budget App or Toki?

Envelope Budget App ships an update every 9 days, and Toki every 5 days. Most recently, Envelope Budget App was updated on November 9, 2026 and Toki on October 31, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*