Enveloop vs RetireOS
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Enveloop
Manage your finances visually with digital envelopes that sync with your paychecks. Track funded, short, and overdue bills at a glance. Share budgets privately with family via iCloud.
- Visual envelope budgeting
- Automatic paycheck allocation
- Combined account summary
- Private family sharing via iCloud
- Customizable bill organization
- Transaction logging and audit trail
- On-device data storage
Read full descriptionHide full description
Ditch subscription budgets. With Enveloop, every bill gets its own envelope on your phone. Fill them up each payday, and see at a glance which bills are covered, which are short, and which are past due. EVERY DOLLAR HAS A HOME Drop your bills into envelopes. Color-coded lights show which ones are covered, almost there, past due, or still empty. No spreadsheets. No guessing. PAYCHECK IN. BILLS HANDLED. Tell Enveloop when your paycheck lands. Each payday, it tops up every envelope based on what that bill needs. Set it up once, then forget about it. SEE EVERYTHING AT A GLANCE Got more than one account? Flip between them, or see a running total of your balance and what's left across all of them. BUDGET TOGETHER. PRIVATELY. Share a budget with anyone in your family. Everyone sees the same bills, and balances stay in sync. No extra sign-ups, no extra servers — it all goes through your iCloud. STAY ORGANIZED YOUR WAY Group bills into folders — Utilities, Subscriptions, Home — with your own icons and colors. Sort by what's due next, by size, or drag them into whatever order feels right. EVERY CHANGE. LOGGED. Every move is saved automatically. You can always look back and see what changed, when, and who did it. Withdrawals still waiting to clear the bank stay visible so nothing goes missing. YOUR DATA. YOUR DEVICE. Enveloop stores your budget on your device and, when iCloud is on, syncs it through your private iCloud account. Sharing goes through iCloud too. No middlemen, no tracking, no ads. Your money is your business. TRY FREE. UNLOCK FOREVER. Start with a 2-week free trial — everything's unlocked, no strings. After two weeks, keep Enveloop forever for $4.99. One-time. No subscriptions, no ads, no auto-renew surprises. Built for iPhone and iPad — looks sharp in dark mode, light mode, or both. Privacy Policy: https://kynossstudios.com/enveloop-privacy.html Support URL: https://kynossstudios.com/enveloop-support.html Marketing URL: https://kynossstudios.com/enveloop/ Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
RetireOS
This app helps you create a personalized retirement and FIRE (Financial Independence, Retire Early) plan. It calculates your financial goals, investment strategies, and provides a detailed roadmap for your financial future.
- FIRE Number calculation
- Monthly SIP planning
- Corpus accumulation charts
- Retirement Safety Net Zones
- Safe Landing Plan
- Goals Planner
- PDF report export
- NRI Mode with dual currency
Read full descriptionHide full description
RetireOS turns the complexity of retirement planning into a clear, personalized action plan. Enter your age, income, expenses, and goals. RetireOS instantly calculates your FIRE Number (the exact corpus you need), the monthly SIP to get there, and how your money should be structured from the day you retire until the very end. WHAT YOU GET → FIRE Number & Net Corpus — gross amount needed, minus what you already have → Monthly SIP — with automatic step-up so your investment keeps pace with your income → Corpus Accumulation chart — watch your wealth grow year by year, interactively → Retirement Safety Net Zones — your corpus split across 5 time buckets (Income, Low Risk, Medium Risk, High Risk, Emergency Fund) so you never run out → Safe Landing Plan — a glide path that shifts your equity/fixed-income mix automatically as you age → Year-by-year SIP Schedule — see exactly what to invest for the next 10 years → Goals Planner — add big-ticket goals (home, education, travel) and see their impact on your retirement → PDF Report — export your full plan and share it with your advisor or family → NRI Mode — switch to USD or any currency; all figures shown in both INR and your home currency BUILT FOR INDIAN INVESTORS and NRIs Calculations use Indian inflation assumptions, equity/debt return rates relevant to Indian markets, and rupee-first display. NRI users can toggle to dual-currency view. SIMPLE PRICING Upgrade to RetireOS Pro to unlock charts, Safety Net Zones, Goals, PDF export, and unlimited plan updates. Payments are processed securely by Apple and auto-renew annually until cancelled. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is ratings volume: Enveloop at 5 against RetireOS's 1. RetireOS's advantage is iOS requirement (15.1 vs 18.1). On price, rating, update cadence and ads 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. Enveloop sells 1 one-off in-app purchase and RetireOS sells 2 in-app purchases, starting at $19.99 per year. Whichever you choose, the download price is not the number that matters.
On the App Store both sit at effectively the same score — 5.0 for Enveloop against 5.0 for RetireOS. That said, the two scores are not equally well evidenced: Enveloop has 5 ratings behind it against 1, so its average is the more settled of the two.
Enveloop ships an update weekly, RetireOS every 2 weeks. The most recent releases landed on October 17, 2026 and October 15, 2026 respectively.
| Parameter | Enveloop | RetireOS |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (5 ratings) | 5.0 (1 ratings) |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 5 — better | 1 |
| Update frequency | Weekly — better | Every 2 weeks |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Freemium |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 18.1 | 15.1 — better |
| Further details — not scored | ||
| Size | 6 MB | 34 MB |
| Age rating | 4+ | 4+ |
| Developer | Steven Knauss | RAM PRASADH KRISHNAN |
In-app purchases
Enveloop
- Enveloop$4.99
RetireOS
- RetireOS Pro - Yearly$19.991 Year
- RetireOS Pro — Lifetime$49.99








