# My Envelopes vs Balances.ai

The clearest difference is in-app purchases: Balances.ai at none against My Envelopes's 4. Balances.ai also leads on iOS requirement (16.4 vs 18.5). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. My Envelopes sells 4 in-app purchases, starting at $3.99 per month. Balances.ai asks for nothing beyond the download.

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on October 19, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | My Envelopes | Balances.ai |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/my-envelopes/id6757923809/reviews)** | — |
| Number of ratings | **2** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Weekly | Weekly |
| Monetization | Freemium | — |
| Size | 23 MB | 54 MB |
| Requires iOS | 18.5 | **16.4** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 17+ | 4+ |
| Developer | [Vinicius Lara](https://appshunter.io/developer/1869450070) | [Balances, Inc](https://appshunter.io/developer/6781324376) |

## What reviewers say

### My Envelopes

[App page](https://appshunter.io/ios/app/my-envelopes/id6757923809)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Personal | $3.99 | per month |
| Team | $4.99 | per month |
| Personal | $39.99 | per year |
| Team | $49.99 | per year |


### Balances.ai

[App page](https://appshunter.io/ios/app/balancesai/id6781324374)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is My Envelopes free?

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

### Is Balances.ai free?

Balances.ai is free to download, with no in-app purchases.

### Do My Envelopes or Balances.ai have ads?

Neither My Envelopes nor Balances.ai shows ads.

### Which is updated more often, My Envelopes or Balances.ai?

My Envelopes ships an update weekly, and Balances.ai weekly. Most recently, My Envelopes was updated on October 19, 2026 and Balances.ai on October 24, 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.*