My Envelopes vs Budget Envelope
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
My Envelopes
This app provides a practical budgeting system using the envelope method to set spending limits and track expenses. It helps users distribute income, manage savings goals, and gain clarity on their finances for greater peace of mind. A generous free plan is available, with optional subscriptions for enhanced features.
- Envelope budgeting for spending limits
- Savings goals management
- Income distribution tracking
- Transaction tracking with notes
- Bill and reminder management
- Spending overview and balances
- Advanced search and filters
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A simple budgeting system that works in real life. Know where your money is, where it goes, and what’s available to spend. My Envelopes helps you set clear spending limits, save toward your goals, and adjust your plan as life changes. Get started with a straightforward method: 1. Create envelopes for spending limits and savings goals. 2. Allocate your income to your envelopes. 3. Record your spending and assign each expense to an envelope. 4. Review your balances and adjust your plan as needed. Clear limits, visible progress, and more peace of mind. Start with a free plan Get started with up to 2 accounts and 8 envelopes, with data stored locally on your device. Upgrade when you need more, including cloud sync with Personal or shared workspaces with Team. Main features: - Spending envelopes for everyday limits and goal envelopes with savings targets. - Income allocation with a history of past allocations. - Transactions with notes, status, and quick edits. - Transfers between accounts and between envelopes. - Tools to identify spending that hasn’t been assigned to an envelope. - Bill reminders with recurring schedules and a calendar view. - An overview of spending, balances, and upcoming reminders. - Transaction search and filters. - Restore deleted transactions from Trash and review change history. - Local storage, cloud sync, and shared workspaces, depending on your plan. Subscriptions: - Payment is charged to your Apple ID at confirmation of purchase. - Subscriptions auto-renew unless canceled at least 24 hours before the end of the current period. - Your account is charged for renewal within 24 hours before the end of the current period. - Manage or cancel anytime in your App Store subscription settings. Support: - In-app user guide is available to all users. - Support: https://support.myenvelopes.app Privacy Policy: https://myenvelopes.app/privacy Terms of Service: https://myenvelopes.app/terms Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Budget Envelope
This app simplifies personal finance using the cash envelope budgeting method. Create virtual envelopes for spending categories and track your expenses by subtracting from each envelope. When an envelope is empty, you stop spending in that category for the period.
- Envelope budgeting method
- No bank logins required
- No subscriptions
- Data stays on device
- Simple setup
- Privacy-focused
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Take control of your money — one envelope at a time. Envelope Budget brings back the simplicity of the classic cash envelope method, rebuilt for your phone. No spreadsheets. No bank logins. No subscriptions. Just you, your budget, and a few taps. The idea is simple: decide how much you want to spend in each area of your life — groceries, dining out, gas, entertainment — and create an envelope for each one. Every time you spend, subtract it from that envelope. When the envelope is empty, you're done spending in that category for the month. That's it. No complexity. No learning curve. You'll have your first envelope set up in under a minute. Why Envelope Budget? -Most budgeting apps are overwhelming. They want to connect to your bank, sync across devices, send you notifications, and show you charts you'll never look at. Envelope Budget does none of that. It respects your time, your attention, and your privacy. -Everything you enter stays on your device. Always. There are no accounts to create, no passwords to remember, and no data ever leaving your phone. Your financial life is your business.
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Verdict
The clearest difference is rating: My Envelopes at 5.0 against Budget Envelope's 4.5. Budget Envelope's advantage is in-app purchases (none vs 4) and iOS requirement (15.1 vs 18.5). On price, ratings volume, ads 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
Both are free to download. My Envelopes sells 4 in-app purchases, starting at $3.99 per month. Budget Envelope asks for nothing beyond the download.
My Envelopes holds the better App Store score, 5.0 against 4.5. Both are backed by a comparable volume of ratings — 2 and 2 respectively.
| Parameter | My Envelopes | Budget Envelope |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | 4.5 (2 ratings) |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 2 | 2 |
| Update frequency | Weekly | — |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | Free — better |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 18.5 | 15.1 — better |
| Further details — not scored | ||
| Size | 27 MB | 24 MB |
| Age rating | 12+ | 4+ |
| Developer | Vinicius Lara | TANNER HUNT FRANCIS |
In-app purchases
My Envelopes
- Personal$3.991 Month
- Team$4.991 Month
- Personal$39.991 Year
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- Team$49.991 Year
Budget Envelope
No in-app purchases
Questions
Is My Envelopes free?
Is Budget Envelope free?
Which has better reviews, My Envelopes or Budget Envelope?
Do My Envelopes or Budget Envelope have ads?
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