Expense Tracker vs My Envelope
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Expense Tracker
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Budgetly360 makes tracking income and expenses simple. Log spending in seconds, set a monthly budget, and see your credit card debt, installments, subscriptions and bills on one screen. Finally know where your money goes. WHAT YOU CAN DO • INCOME & EXPENSE TRACKING — Sort every transaction into categories and instantly see how much you spend on each. Snap a photo of your receipt and the amount and date fill in automatically. • BUDGET PLANNING — Set monthly budgets per category, get an alert as you approach your limit, and close the month with no surprises. • WALLET: CARDS & ACCOUNTS — Add your credit cards and bank accounts, and track card debt, statement dates and payment due dates. • INSTALLMENT TRACKING — Plan purchases paid in installments; remaining payments are laid out month by month automatically. • SUBSCRIPTION TRACKING — Netflix, Spotify, the gym... See the monthly and yearly total of all your subscriptions and cut the ones you don't need. • BILL TRACKING — Electricity, water, gas, internet, rent. Manage every due date on one screen and never miss a payment. • SAVINGS GOALS — Holiday, car, emergency fund. Set a goal and follow your progress percent by percent. • REPORTS & CHARTS — Analyze your spending habits with monthly charts and discover your top spending categories. • SHARED BUDGET — Share a household or family budget so everyone's spending lands in one place. • MULTI-CURRENCY — Turkish lira, US dollar, euro and British pound. Transactions in different currencies add up in your main currency. • PDF & CSV EXPORT — Download your monthly statement as a report, open it in a spreadsheet or share it. • SMART REMINDERS — Timely reminders for upcoming payments, budget alerts and a daily summary. • SECURE SIGN-IN — Sign in with your Apple or Google account in one tap. WHY BUDGETLY360? Say goodbye to complicated spreadsheets. Budgetly360 brings everything you need for expense tracking into one clean, modern app; your data is stored securely and always stays under your control. It is built around how banking works in Turkey: statement dates, installment purchases, card debt and billing cycles work correctly from day one — ideal if you live, work or study in Turkey. Whether you are a student, a professional or managing a family budget, two minutes a day is all it takes to know where your money went at the end of the month. Download today and take control of your money. BUDGETLY360 PREMIUM You can use Budgetly360 without a subscription. Upgrade to Premium for unlimited cards, goals, budgets and subscription tracking, a shared household budget, unlimited receipt scans, full report history, CSV/PDF export and multi-currency. • Two auto-renewable subscription options are offered: Premium Monthly and Premium Yearly. • Payment is charged to your Apple ID account at confirmation of purchase. • The subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period, and your account is charged for renewal within the 24 hours before the end of the period. • You can manage your subscription and turn off auto-renewal in your App Store account settings after purchase. • Where a trial is offered, any unused portion of the trial period is forfeited when you purchase a subscription. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://budgetly360.com/privacy
My Envelope
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See exactly where your money goes. Zarfım is a simple yet effective budget tracking app that brings the classic "envelope budgeting" method into the digital age. Organize your income and expenses into category-based envelopes, track spending in real-time, and stay in control. ENVELOPE BUDGETING Create envelopes for categories like groceries, rent, and transportation. Assign every expense to the relevant envelope and instantly see how much of your budget remains. INCOME TRACKING (New) Now you can track your income alongside your expenses. View your net budget status at a glance at the end of the month. SMART REPORTING (New) Easily identify opportunities to save with detailed reports that analyze your spending habits. FAMILY SHARING Manage a shared budget with your family and track expenses together. WHY ZARFIM? - Simple and intuitive interface - Category-based expense tracking - Income vs. expense analysis - Shared family budgeting - Designed for Turkish users and local spending habits Download Zarfım today and take real control of your budget. Cancel anytime. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is in-app purchases: Expense Tracker at none against My Envelope's 1. On price, update cadence, ads 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. My Envelope sells 1 in-app purchase, starting at $1.99 per month. Expense Tracker asks for nothing beyond the download.
Expense Tracker ships an update every 3 weeks, My Envelope monthly. The most recent releases landed on October 18, 2026 and October 9, 2026 respectively.
| Parameter | Expense Tracker | My Envelope |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 3 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 16.4 | 16.4 |
| Further details — not scored | ||
| Size | 68 MB | 68 MB |
| Age rating | 4+ | 4+ |
| Developer | Fatih Colakel | Tugba KAHRAMAN |
In-app purchases
Expense Tracker
No in-app purchases
My Envelope
- Zarfım Premium$1.991 Month
Questions
Is Expense Tracker free?
Is My Envelope free?
Do Expense Tracker or My Envelope have ads?
Which is updated more often, Expense Tracker or My Envelope?
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