Our Envelope Budget vs SubTrackly
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Our Envelope Budget
Manage your finances with a modern envelope budgeting system. Connect bank accounts, automatically categorize spending, and visualize your budget on a calendar. Track bills, savings goals, and income with flexible envelope types and smart fill schedules.
- Envelope budgeting method
- Bank account linking (Premium)
- Automatic transaction categorization
- Calendar-based budget visualization
- Multiple envelope types
- Scheduled envelope fills
- Transfer funds between envelopes
- Split transactions
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Our Envelope Budget is the modern way to manage your money using the proven envelope budgeting method. Connect your bank accounts, automatically categorize your spending, and see exactly where every dollar goes — all from one beautifully designed app. ENVELOPE BUDGETING MADE SIMPLE The envelope method is one of the most effective ways to budget. Instead of guessing where your money went, you assign every dollar a purpose by placing it into virtual envelopes — like Groceries, Rent, Entertainment, or Savings. When an envelope runs out, you know it's time to stop spending in that category. Our Envelope Budget makes this process effortless. LINK YOUR BANK ACCOUNTS* (With Premium Subscription) Securely connect your bank accounts and credit cards through Plaid. Your transactions sync automatically so you always have an up-to-date picture of your finances. No more manual entry or guessing — your spending shows up in real time, ready to be categorized. AUTO-CATEGORIZE TRANSACTIONS Tired of sorting transactions one by one? Create rules that automatically assign transactions to the right envelope based on the merchant name. Once you set up a rule, every future matching transaction is categorized instantly. Spend less time organizing and more time living. BUDGET ON A CALENDAR See your financial future laid out on a calendar. Our Envelope Budget shows you upcoming bills, scheduled envelope fills, and projected balances day by day. Know exactly what's coming before it arrives so you're never caught off guard by a bill or an empty envelope. FLEXIBLE ENVELOPE TYPES Not all expenses are the same, and your envelopes shouldn't be either. Choose from four envelope types to match how you actually spend: • Expense envelopes for everyday spending like groceries and dining out • Bill envelopes for recurring payments with due dates and amounts • Savings envelopes with goal tracking and progress bars • Income envelopes to track money coming in SMART FILL SCHEDULES Set your envelopes to automatically fill on a schedule — weekly, monthly, or yearly. Choose the exact day, and decide whether leftover money rolls over to the next period or resets to zero. Your budget stays current without you lifting a finger. MOVE MONEY BETWEEN ENVELOPES Life happens. When you overspend in one category, easily transfer money between envelopes to stay balanced. Move funds from any envelope to another, or pull from your unallocated funds — all in just a few taps. SPLIT TRANSACTIONS Sometimes one purchase spans multiple categories. Split a single transaction across as many envelopes as you need, assigning the exact amount to each. Perfect for trips to stores where you buy groceries and household items in the same cart. SHARE YOUR BUDGET Budgeting is better together. Invite your partner, spouse, or family members to share a workspace. Everyone sees the same envelopes, balances, and transactions in real time. Stay aligned on your financial goals without the awkward money conversations. CUSTOMIZE YOUR ENVELOPES Make your budget yours. Choose from dozens of icons and colors for each envelope, or pick a custom color to match your style. A personalized budget is one you'll actually use. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
SubTrackly
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SubTrackly helps you track recurring subscriptions in one clean place. Add streaming, music, cloud storage, AI tools, fitness, apps, or any monthly service, then see the next billing date and monthly cost at a glance. Use reminders, a payment calendar, categories, pause/resume, CSV and JSON export, and rewarded credits to add more subscriptions for free. Premium unlocks unlimited subscriptions, multi-device sync, and widgets for faster tracking. SubTrackly is a personal organization tool. It does not pay bills, cancel services, or provide financial advice. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://tuyennv12192.github.io/sub_tracker.html
Screenshots
Verdict
The clearest difference is update cadence: Our Envelope Budget at every 3 days against SubTrackly's fortnightly. SubTrackly's advantage is iOS requirement (15.0 vs 18.0). On price, ads, in-app purchases and device support 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. Our Envelope Budget sells 2 in-app purchases, starting at $12.99 per month and SubTrackly sells 2 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.
Our Envelope Budget ships an update every 3 days, SubTrackly fortnightly. The most recent releases landed on October 6, 2026 and October 7, 2026 respectively.
| Parameter | Our Envelope Budget | SubTrackly |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 2 — better | — |
| Update frequency | Every 3 days — better | Fortnightly |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | — |
| Devices | iPhone, iPad, Mac | iPhone, iPad, iPod |
| Requires iOS | 18.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 32 MB | 75 MB |
| Age rating | 4+ | 4+ |
| Developer | NoCodeMinute LLC | KHANH HA DANG |
In-app purchases
Our Envelope Budget
- Premium - Monthly1 Month trial$12.991 Month
- Premium - Yearly1 Month trial$89.991 Year
SubTrackly
- SubTrackly Premium Monthly$1.991 Month
- SubTrackly Premium Yearly7 Days trial$14.991 Year
Questions
Is Our Envelope Budget free?
Is SubTrackly free?
Do Our Envelope Budget or SubTrackly have ads?
Which is updated more often, Our Envelope Budget or SubTrackly?
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