Comparison

Purpose Budget vs Cubby Budgeting App

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

Head to head
About

Purpose Budget

Take full control of your finances with zero-based envelope budgeting. Assign every dollar to a purpose, track spending, and gain insights into your financial health. Link bank accounts, categorize transactions, and monitor your net worth with detailed reports.

Highlights
  • Zero-based envelope budgeting
  • Assign income to categories
  • Track spending and goals
  • Link bank accounts (Premium)
  • Automatic transaction import (Premium)
  • Net worth and spending reports
  • Multi-currency support
Read full description

Purpose Budget gives you full control of your finances with zero-based envelope budgeting. Every dollar gets a purpose — assign your income to categories, track your spending, and know exactly where your money goes. Purpose Budget is a subscription service. New subscribers start with a 2-month free trial; an auto-renewing subscription is required to keep using the app after the trial. BUDGETING MADE SIMPLE • Assign every dollar to a category — rent, groceries, savings, and more • Set monthly targets and track progress toward your goals • Move money between categories when plans change • Get alerts when you're overspending or underfunded CONNECTED ACCOUNTS • Link your bank accounts securely with Plaid (Premium) • Transactions import automatically — no manual entry needed (Premium) • Add manual accounts for cash, investments, or anything else • Reconcile balances to keep everything accurate TRACK EVERY TRANSACTION • See all your transactions in one place across every account • Categorize, split, and approve transactions with a tap • Search, filter, and bulk-edit to stay organized • Smart rules auto-categorize recurring purchases REPORTS & INSIGHTS • Net Worth — watch your wealth grow over time • Spending Analysis — see where your money goes • Income vs Expenses — track your monthly cash flow • Category Breakdown — drill into group-level spending BUILT FOR MOBILE • Quick-add transactions on the go • Dark mode support • Multi-currency support for 20+ currencies • Works alongside the Purpose Budget web app at purposebudget.com SUBSCRIPTION DETAILS Purpose Budget requires an auto-renewable subscription to use. Choose Essential or Premium, billed monthly or annually: • Essential — zero-based budgeting, unlimited accounts and categories, reports and net worth tracking, and multi-user spaces. • Premium — everything in Essential, plus bank account synchronization, auto-bill detection, and priority support. New subscribers get a 2-month free trial. After the trial, your subscription renews automatically at your plan's price unless you cancel at least 24 hours before the end of the current period. Payment is charged to your Apple Account on confirmation, and you can manage or cancel anytime in your Apple Account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://purposebudget.com/privacy

About

Cubby Budgeting App

This app helps you track your spending, manage savings, and organize financial goals with a friendly interface. It breaks down expenses by category and allows you to set up savings buckets for specific targets. Build good money habits with visual progress tracking and a fun, encouraging experience.

Highlights
  • Spending overview by category
  • Savings goal tracking
  • Subscription management
  • Monthly budget review
  • Transaction history editing
  • Customizable dashboard
Features
Read full description

Meet Cubby - the cozy little bear who helps you track spending, grow your savings, and finally feel in control of your money. No spreadsheets, no stress, just a simple and delightful way to watch your money grow. WHY YOU'LL LOVE CUBBY See where your money goes - a clear monthly overview of income, spending, and what you saved Spending by category - a beautiful breakdown so you always know where it went Wants vs Needs - see how much goes to essentials versus extras Savings buckets - split your savings into goals like Home, Emergency, or a new Car Goal tracking - set a target and watch your progress climb Subscription tracker - keep every recurring charge in one place and cancel the ones you forgot about Activity history - your full transaction log, neatly tagged and easy to edit Budget month by month - swipe back through past months to spot your trends Build a streak - log consistently and Cubby cheers you on MEET CUBBY Cubby reacts to how you're doing with playful messages and moods - a bear that's genuinely proud when you save. Building good money habits has never been this cute. MADE SIMPLE Add transactions in seconds, organize your savings, and customize your home dashboard the way you like. Sign in and your data follows you across devices. CUBBY PREMIUM — COMING SOON We're hard at work on premium upgrades, including: Automatic bank sync — connect your accounts (coming soon) Investing insights (coming soon) Unlimited goals and buckets (coming soon) Advanced reports and exports (coming soon) Premium features are on the way - stay tuned! Start small, stay consistent, and let Cubby help you grow. Download today. SUBSCRIPTION INFORMATION Cubby offers optional auto-renewable subscriptions and one-time purchases: Cubby Plus — $1.99/month or $19.99/year (removes ads, 6 months of history) Cubby Premium — $9.99/month (automatic bank sync 4× daily, 1 year of history)(Coming Soon) One-time account import — $2.99 per account (single sync, no subscription)(Coming Soon) Payment will be charged to your Apple ID at confirmation of purchase. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple ID Account Settings. Privacy Policy: https://cubbyapp.net/privacy Terms of Use: https://cubbyapp.net/terms

Screenshots

Purpose Budget4 screens
Cubby Budgeting App4 screens

Verdict

The call

The clearest difference is monetization model: Cubby Budgeting App at free with in-app purchases against Purpose Budget's subscription. Cubby Budgeting App also leads on ratings volume (3 vs 1). Purpose Budget's advantage is ads (none vs shown) and iOS requirement (16.4 vs 18.6). On price, rating, update cadence and in-app purchases 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. Purpose Budget sells 4 in-app purchases, starting at $2.99 per month and Cubby Budgeting App sells 2 in-app purchases, starting at $1.99 per month. 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 Purpose Budget against 5.0 for Cubby Budgeting App. Both are backed by a comparable volume of ratings — 1 and 3 respectively.

UpkeepUpdate frequency

Purpose Budget ships an update every 2 months, Cubby Budgeting App daily. Both last shipped on October 31, 2026.

Scorecard4 real differences · 5 level
Purpose Budget versus Cubby Budgeting App: the parameters behind the verdict, then further details
ParameterPurpose BudgetCubby Budgeting App
PriceFreeFree
Rating5.0 (1 ratings)5.0 (3 ratings)
Number of ratings13 — better
Update frequencyEvery 2 monthsDaily — better
AdsNo — betterYes
In-app purchasesYesYes
MonetizationSubscriptionFree with in-app purchases — better
DevicesiPhoneiPhone, iPad — better
Requires iOS16.4 — better18.6
Further details — not scored
Size64 MB19 MB
Age rating4+4+
DeveloperPurpose BudgetJoe Hernandez Loredo

Customer experience

Purpose Budget

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Cubby Budgeting App

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

In-app purchases

4 purchases

Purpose Budget

Subscriptions4
  • Essential Monthly2 Months trial$2.991 Month
  • Premium Monthly2 Months trial$8.991 Month
  • Essential Annual2 Months trial$24.991 Year
Show 1 more
  • Premium Annual2 Months trial$69.991 Year
2 purchases

Cubby Budgeting App

Subscriptions2
  • Cubby Plus$1.991 Month
  • Cubby Plus$19.991 Year

Questions

Is Purpose Budget free?
Purpose Budget is free to download, with in-app purchases available.
Is Cubby Budgeting App free?
Cubby Budgeting App is free to download, with in-app purchases available.
Which has better reviews, Purpose Budget or Cubby Budgeting App?
Purpose Budget and Cubby Budgeting App are both rated 5.0 out of 5 on the App Store, from 1 and 3 ratings respectively.
Do Purpose Budget or Cubby Budgeting App have ads?
Cubby Budgeting App shows ads; Purpose Budget does not.
Which is updated more often, Purpose Budget or Cubby Budgeting App?
Purpose Budget ships an update every 2 months, and Cubby Budgeting App daily. Most recently, Purpose Budget was updated on October 31, 2026 and Cubby Budgeting App on October 31, 2026.

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