# EnvelopePlus vs Budget With Chippy

EnvelopePlus and Budget With Chippy both sit at 5.0 stars, but that hides the real split: 100% of Budget With Chippy's written reviews are positive against 54% of EnvelopePlus's. Budget With Chippy also leads on iOS requirement (12.0 vs 17.0). On price, rating, ratings volume and update cadence there is nothing between them.

Both are free to download. EnvelopePlus sells 3 one-off in-app purchases and Budget With Chippy sells 3 in-app purchases, starting at $3.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for EnvelopePlus against 5.0 for Budget With Chippy. Both are backed by a comparable volume of ratings — 3 and 6 respectively. Written reviews are what separate them: 54% of EnvelopePlus's written reviews are positive against 100% of Budget With Chippy's.

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on September 26, 2026 and October 2, 2026 respectively.

## The numbers

| Metric | EnvelopePlus | Budget With Chippy |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (3 ratings)](https://appshunter.io/ios/app/envelopeplus/id690884154/reviews) | [5.0 (6 ratings)](https://appshunter.io/ios/app/budget-with-chippy/id1671697891/reviews) |
| Number of ratings | 3 | **6** |
| Positive reviews | 53.8% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Free with in-app purchases | Freemium |
| Size | 5 MB | 31 MB |
| Requires iOS | 17.0 | **12.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Robert E Carr Jr](https://appshunter.io/developer/690884157) | [Brent Koivisto](https://appshunter.io/developer/1671697893) |

## What reviewers say

### EnvelopePlus

[App page](https://appshunter.io/ios/app/envelopeplus/id690884154)

This app provides tools to help you master your budget and take control of your money. It offers unlimited envelopes for financial flexibility and effortless income allocation.

**Highlights:** Unlimited envelopes, Effortless income allocation, Multi-envelope purchase management, Enhanced financial accountability, 2 free months of service

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 month of EnvelopePlus Service | $0.99 | one-time |
| 6 months of EnvelopePlus Service | $4.99 | one-time |
| 1 year of EnvelopePlus Service | $8.99 | one-time |


### Budget With Chippy

[App page](https://appshunter.io/ios/app/budget-with-chippy/id1671697891)

This app offers a simplified cash-based budgeting system. It helps users organize discretionary income into 'stashes' for various financial goals like savings or debt repayment, with weekly insights and automated transfers.

**Highlights:** Stash-based budgeting, Hassle-free setup, Smart spending guidance, Weekly balance insights, Automated weekly transfers, No tedious expense tracking

**Features:** macOS Compatibility, Family Sharing

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $3.99 | per month |
| Yearly | $9.99 | per year |
| Lifetime | $99.99 | one-time |


## Frequently asked questions

### Is EnvelopePlus free?

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

### Is Budget With Chippy free?

Budget With Chippy is free to download, with in-app purchases available.

### Which has better reviews, EnvelopePlus or Budget With Chippy?

EnvelopePlus and Budget With Chippy are both rated 5.0 out of 5 on the App Store, from 3 and 6 ratings respectively.

### Do EnvelopePlus or Budget With Chippy have ads?

Neither EnvelopePlus nor Budget With Chippy shows ads.

### Which is updated more often, EnvelopePlus or Budget With Chippy?

EnvelopePlus ships an update monthly, and Budget With Chippy monthly. Most recently, EnvelopePlus was updated on September 26, 2026 and Budget With Chippy on October 2, 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.*