Comparison

Enveloop vs Spending Tracker

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

Spending Tracker

Track your spending, bills, and subscriptions in one place without needing bank logins. Set budgets, savings goals, and manage debts with quick logging and insightful views. Get reminders for upcoming charges and help with cancellations.

Highlights
  • Log expenses and income quickly
  • Track subscriptions and bills with reminders
  • Create and manage budgets
  • Set and monitor savings goals
  • Manage debts and payments
  • View spending by category and day
  • Receipt scanning for totals
Features
Read full description

Know where your money goes, and never get caught out by a forgotten subscription again. SpendKit keeps your spending, bills and subscriptions, budget, savings goals and debts in one simple app. No bank login and no account needed. LOG IT IN SECONDS • Add an expense, income or transfer in a few taps: amount, category, account, done • Say it: "12 lunch" and SpendKit fills it in • Scan a receipt to read the total • Transfers between your accounts, with fees • Copy a transaction, or save and keep adding with Continue SEE YOUR MONTH • Income, expenses and balance always in view • Daily, calendar, monthly and stats views • Charts by category and by day • Search, and filter by account or category SUBSCRIPTIONS AND BILLS • Streaming, music, rent, phone: see what you pay each month and each year • A reminder before every charge, and free trials tracked before they bill you • Mark a bill as paid, or let SpendKit log it on its due date • Cancelling one? Get help to do it and see how much you save • Subscriptions in another currency or shared with others: only your part counts A BUDGET THAT WORKS • Plan your income and spending by category • See what's left to spend this month • Carry over what's left, or what's over, to the next month SAVINGS GOALS AND DEBTS • Goals with ideas to start, a target date and how much to put aside each month • Track what you owe and what you're owed, payment by payment YOUR ACCOUNTS • Cash, cards, bank and savings accounts with their running balance • Assets, liabilities and your total at a glance ALWAYS AT HAND • Home Screen and Lock Screen widgets • Siri and Shortcuts: "Log an expense in SpendKit" • Control Center and the Action button • Face ID lock, dark mode, your currency, 10 languages SPENDKIT PREMIUM Logging expenses and income is always free. Premium removes the limits on subscriptions, budgets, goals, accounts, receipt scans and voice entries, and adds iCloud backup and sync, budget alerts, insights, your own categories and CSV export. Payment is charged to your Apple Account at confirmation, or at the end of the free trial if there is one. The subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel it in your App Store account settings. The lifetime plan is a one-time purchase. Terms of Use: https://privacy.owltaps.com/terms Privacy Policy: https://privacy.owltaps.com

Screenshots

Enveloop4 screens
Spending Tracker4 screens

Verdict

The call

The clearest difference is update cadence: Enveloop at weekly against Spending Tracker's every 5 months. Enveloop also leads on ratings volume (5 vs 1) and iOS requirement (18.1 vs 26.0). On price, rating, 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 Spending Tracker sells 3 in-app purchases, starting at $7.99 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 Enveloop against 5.0 for Spending Tracker. 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.

UpkeepUpdate frequency

Enveloop ships an update weekly, Spending Tracker every 5 months. Both last shipped on October 31, 2026.

Scorecard3 real differences · 7 level
Enveloop versus Spending Tracker: the parameters behind the verdict, then further details
ParameterEnveloopSpending Tracker
PriceFreeFree
Rating5.0 (5 ratings)5.0 (1 ratings)
Positive reviews100.0% of reviews—
Number of ratings5 — better1
Update frequencyWeekly — betterEvery 5 months
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPad — betteriPhone
Requires iOS18.1 — better26.0
Further details — not scored
Size6 MB17 MB
Age rating4++4
DeveloperSteven KnaussJose Sapon

Customer experience

Enveloop

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

Spending Tracker

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

In-app purchases

1 purchases

Enveloop

One-time1
  • Enveloop$4.99
3 purchases

Spending Tracker

Subscriptions2
  • Premium Monthly$7.991 Month
  • Premium Yearly3 Days trial$39.991 Year
One-time1
  • SpendKit Premium Lifetime$59.99

Questions

Is Enveloop free?
Enveloop is free to download, with in-app purchases available.
Is Spending Tracker free?
Spending Tracker is free to download, with in-app purchases available.
Which has better reviews, Enveloop or Spending Tracker?
Enveloop and Spending Tracker are both rated 5.0 out of 5 on the App Store, from 5 and 1 ratings respectively.
Do Enveloop or Spending Tracker have ads?
Neither Enveloop nor Spending Tracker shows ads.
Which is updated more often, Enveloop or Spending Tracker?
Enveloop ships an update weekly, and Spending Tracker every 5 months. Most recently, Enveloop was updated on October 31, 2026 and Spending Tracker on October 31, 2026.

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