Comparison

Enveloop vs Payday Buckets

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

Head to head
About

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.

Highlights
  • 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
Features
Read 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/

About

Payday Buckets

This app helps you manage your finances by calculating exactly how much to set aside from each paycheck for bills, savings, and irregular expenses. It simplifies budgeting by focusing on 'buckets' rather than detailed transaction tracking, ensuring you know your financial plan each payday.

Highlights
  • Paycheck-based financial planning
  • Bucket and sinking fund management
  • Customizable pay schedules
  • Bill and savings goal tracking
  • Local data storage
  • iCloud sync for iPhone and iPad
  • CSV export and JSON backup
Read full description

Tired of spreadsheets, sticky notes and paycheck guesswork? Payday Buckets answers one simple question: “What do I move this payday?” Set up the bills, savings goals and irregular expenses you want to plan for. Tell Payday Buckets when you get paid, and it calculates what to set aside in each bucket every payday. Use it for sinking funds, envelope budgeting, sub-savings accounts, bill planning, subscriptions, yearly expenses, savings goals and everyday categories. WHY PAYDAY BUCKETS • Plan around your real pay cycle — weekly, biweekly, monthly, twice monthly, or a custom interval. • Built for buckets and sinking funds, not endless transaction tracking. • Know what to move each payday before the money disappears. • No bank login required. • Your data is stored locally on your device. • iCloud sync keeps your iPhone and iPad up to date using your private iCloud account. • Designed for people who already use separate accounts, buckets or savings spaces and want a simple way to manage them. HOW IT WORKS 1. Create the buckets that matter — bills, savings goals, subscriptions, irregular expenses and everyday categories. 2. Choose how each bucket should be funded — by due date, fixed amount, top-up to target, or manual. 3. On payday, run your payday plan. 4. Payday Buckets shows exactly what to move into each bucket. 5. Mark bills as paid and keep your bucket balances up to date. FEATURES • Guided Simple Mode for quick bucket setup • Advanced editor for detailed bucket planning • Weekly, biweekly, monthly, twice-monthly and custom pay schedules • Smart payday plans for bills, savings goals, subscriptions and irregular expenses • Scheduled transactions for recurring bills, income and transfers • Upcoming bills view with overdue, 7-day, 30-day and later sections • Insights for bucket forecasts, monthly outlook and budget balancing • Payday plan history • Local reminders for payday, bills, transfers and underfunded buckets • Rename, recolor and organize categories • iCloud sync across iPhone and iPad • Light, Dark and System themes • Dynamic Type and VoiceOver support • CSV export and JSON backup PREMIUM Payday Buckets is free to try with up to 5 active buckets. Upgrade to Premium for: • Unlimited active buckets • Unlimited scheduled transactions PRIVACY Payday Buckets does not require bank access. Your budgeting data is stored locally on your device. If you turn on iCloud sync, your data syncs through your private iCloud account, not through a Payday Buckets budgeting server. SUPPORT Questions or feedback? Get in touch from Settings → About inside the app. Stop guessing what to set aside. Start every payday with a clear plan. What’s New 1.0 First release of Payday Buckets! Plan each payday around your bills, savings goals, subscriptions and sinking funds. • Create buckets for the things you need to fund • Set your pay schedule • Run a payday plan to see what to move into each bucket • Track scheduled bills and recurring transactions • View upcoming bills and bucket forecasts • Sync across iPhone and iPad with iCloud sync • Export your data with CSV and JSON backup Thanks for trying Payday Buckets — your feedback will help shape what comes next.

Screenshots

Enveloop4 screens
Payday Buckets4 screens

Verdict

The call

The clearest difference is update cadence: Enveloop at weekly against Payday Buckets's fortnightly. On price, review sentiment, ads 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. Enveloop sells 1 one-off in-app purchase and Payday Buckets sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Enveloop ships an update weekly, Payday Buckets fortnightly. The most recent releases landed on October 17, 2026 and October 7, 2026 respectively.

Scorecard1 real difference · 9 level
Enveloop versus Payday Buckets: the parameters behind the verdict, then further details
ParameterEnveloopPayday Buckets
PriceFreeFree
Rating5.0 (5 ratings) — better—
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings5 — better—
Update frequencyWeekly — betterFortnightly
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.1 — better18.6
Further details — not scored
Size6 MB12 MB
Age rating4+4+
DeveloperSteven KnaussNathan Booth

Customer experience

Enveloop

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Payday Buckets

Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

1 purchases

Enveloop

One-time1
  • Enveloop$4.99
1 purchases

Payday Buckets

One-time1
  • Payday Buckets Pro$12.99

Questions

Is Enveloop free?
Enveloop is free to download, with in-app purchases available.
Is Payday Buckets free?
Payday Buckets is free to download, with in-app purchases available.
Do Enveloop or Payday Buckets have ads?
Neither Enveloop nor Payday Buckets shows ads.
Which is updated more often, Enveloop or Payday Buckets?
Enveloop ships an update weekly, and Payday Buckets fortnightly. Most recently, Enveloop was updated on October 17, 2026 and Payday Buckets on October 7, 2026.

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