# Stow vs Ledger

The clearest difference is device support: Ledger at 3 against Stow's 1. On price, review sentiment, update cadence and ads there is nothing between them.

Both are free to download. Stow sells 3 in-app purchases, starting at $4.99 per month and Ledger sells 3 in-app purchases, starting at $5.99 per month. Whichever you choose, the download price is not the number that matters.

Stow ships an update every 4 days, Ledger weekly. The most recent releases landed on October 31, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Stow | Ledger |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/ledger-pay-cycle-planner/id6774223080/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Every 4 days** | Weekly |
| Monetization | Freemium | Freemium |
| Size | 13 MB | 22 MB |
| Requires iOS | **17.0** | 18.6 |
| Devices | iPhone | **iPhone, iPad, Mac** |
| Age rating | 4+ | 4+ |
| Developer | [Max Koumarelas](https://appshunter.io/developer/1893513228) | [MATTHEW S DAIS](https://appshunter.io/developer/6774223082) |

## What reviewers say

### 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 |


### Ledger

[App page](https://appshunter.io/ios/app/ledger-pay-cycle-planner/id6774223080)

Manage your finances around your unique pay cycle, not a traditional monthly budget. Track income, expenses, and savings to see exactly what's left before your next payday. Plan for bills and set aside money with custom allocation pockets.

**Highlights:** Pay cycle budgeting, Income and expense tracking, Custom savings pockets, Bill payment reminders, Multiple income streams, Australian tax estimates

**Features:** iPhone Duo support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Ledger Pro Monthly | $5.99 | per month |
| Ledger Pro Annual | $49.99 | per year |
| Ledger Pro Lifetime | $89.99 | one-time |


## Frequently asked questions

### Is Stow free?

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

### Is Ledger free?

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

### Do Stow or Ledger have ads?

Neither Stow nor Ledger shows ads.

### Which is updated more often, Stow or Ledger?

Stow ships an update every 4 days, and Ledger weekly. Most recently, Stow was updated on October 31, 2026 and Ledger on November 5, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*