# Budget Envelopes Spend Tracker vs Stow

The clearest difference is ads: Stow at none against Budget Envelopes Spend Tracker's shown. Stow also leads on update cadence (every 4 days vs every 2 weeks). Budget Envelopes Spend Tracker's advantage is iOS requirement (15.0 vs 17.0). On price, in-app purchases, monetization model and device support there is nothing between them.

Both are free to download. Budget Envelopes Spend Tracker sells 1 in-app purchase, starting at $24.99 per year and Stow sells 3 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

Budget Envelopes Spend Tracker ships an update every 2 weeks, Stow every 4 days. Both last shipped on October 31, 2026.

## The numbers

| Metric | Budget Envelopes Spend Tracker | Stow |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/budget-envelopes-spend-tracker/id6761727851/reviews)** | — |
| Number of ratings | **2** | — |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | **Every 4 days** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 132 MB | 13 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [DIMMPLE PTY LTD](https://appshunter.io/developer/1544019570) | [Max Koumarelas](https://appshunter.io/developer/1893513228) |

## What reviewers say

### Budget Envelopes Spend Tracker

[App page](https://appshunter.io/ios/app/budget-envelopes-spend-tracker/id6761727851)

This app helps you manage your money using the envelope budgeting method. Create virtual wallets for different spending categories, allocate income, and manually track expenses to see exactly how much you have left. It offers features like shared wallets and receipt scanning for easier budgeting.

**Highlights:** Create virtual wallets for any spending category, Allocate income across wallets, Manually track expenses, See remaining daily allowance, Shared wallets for couples and families, Receipt scanning for expense import, Budget weekly, monthly, or yearly

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Yearly | $24.99 | per year |


### Stow

[App page](https://appshunter.io/ios/app/stow-envelope-budget-tracker/id6762239901)

This privacy-focused app helps you manage your money using the envelope budgeting method. Easily divide your income into virtual envelopes, track spending in real-time, and always know your available balance. It operates entirely offline, keeping your financial data secure on your device.

**Highlights:** Envelope budgeting, Offline operation, Privacy-focused, Quick transaction logging, Customizable envelopes, Multi-currency support

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Stow Premium — Monthly | $4.99 | per month |
| Stow Premium — Annual | $39.99 | per year |
| Stow Premium — Lifetime | $59.99 | one-time |


## Frequently asked questions

### Is Budget Envelopes Spend Tracker free?

Budget Envelopes Spend Tracker is free to download, with in-app purchases available.

### Is Stow free?

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

### Do Budget Envelopes Spend Tracker or Stow have ads?

Budget Envelopes Spend Tracker shows ads; Stow does not.

### Which is updated more often, Budget Envelopes Spend Tracker or Stow?

Budget Envelopes Spend Tracker ships an update every 2 weeks, and Stow every 4 days. Most recently, Budget Envelopes Spend Tracker was updated on October 31, 2026 and Stow on October 31, 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.*