Comparison

EnvelopePlus vs Budget Zero

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

EnvelopePlus

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
Read full description

Managing your finances can be tough—there’s no denying that. But mastering your budget? That’s a game-changer. With EnvelopePlus, you get the tools to take control of your money without the hassle. Is EnvelopePlus for everyone? Maybe not. But is it for you? Give it a test run for a couple of months and find out. Why choose EnvelopePlus? - Unlimited envelopes for complete financial flexibility. - Effortless income allocation across your envelopes. - Streamlined management of multi-envelope purchases. - Enhanced financial accountability and transparency. - A bonus of 2 free months of EnvelopePlus service.

About

Budget Zero

This app offers a private and simple way to manage your money using a zero-based envelope budgeting system. It allows manual transaction logging without linking bank accounts, helping you track every dollar and stay mindful of your spending.

Highlights
  • Zero-based envelope budgeting
  • Manual transaction logging
  • No bank account linking
  • Private and secure
  • Offline functionality
  • Monthly budget periods
Features
Read full description

The budgeting app that respects your wallet AND your privacy. Budget Zero uses zero-based envelope to budget down to zero - without linking your bank account or tracking your data. Join countless users who've taken control of their money the simple way. WHY BUDGET ZERO? • Affordable - A fraction of the cost of other budgeting apps. • Private - No bank linking. No data selling. Your finances stay yours. • Simple - Manual entry keeps you mindful of every transaction • Powerful - Full envelope budgeting with monthly budget periods HOW IT WORKS 1. Add your accounts (checking, savings, credit cards, cash) 2. Create budget categories and organize them into groups 3. Assign dollars to each category every month 4. Log transactions and watch your budget update in real time 5. Reach zero - every dollar has a job FEATURES • Zero-based envelope budgeting system • Multiple account support (checking, savings, credit, cash) • Monthly budget periods with easy month-to-month navigation • Budget groups for organized category management • Transaction tracking with payee, date, and category • Credit card budget tracking • iCloud-synced across your devices • Works offline - no internet required to budget • Clean, distraction-free interface • Dark mode support BUDGET ZERO PRO Unlock additional features with an affordable one-time or low-cost subscription - a fraction of what competitors charge. Take control of your money. Download Budget Zero today. About Subscriptions: • Subscription Name: Budget Zero Pro • Subscription Length: 1 Month or 1 Year (Auto-renewable) • Subscription Price: $3.99/month or $19.99/year • Payment will be charged to your iTunes Account at confirmation of purchase. • Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. • Your account will be charged for renewal within 24 hours prior to the end of the current period. • You can manage or turn off auto-renew in your Apple ID Account Settings at any time after purchase. Links: • Privacy Policy: https://sites.google.com/view/budget-zero-privacy-policy • Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

EnvelopePlus4 screens
Budget Zero4 screens

Verdict

The call

The clearest difference is rating: EnvelopePlus at 5.0 against Budget Zero's 4.2. Budget Zero's advantage is update cadence (every 4 days vs monthly). On price, review sentiment, ratings volume and ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. EnvelopePlus sells 3 one-off in-app purchases and Budget Zero sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

EnvelopePlus holds the better App Store score, 5.0 against 4.2. Both are backed by a comparable volume of ratings — 3 and 5 respectively. Written reviews point the same way: 54% of EnvelopePlus's written reviews are positive against 50% of Budget Zero's.

UpkeepUpdate frequency

EnvelopePlus ships an update monthly, Budget Zero every 4 days. The most recent releases landed on June 1, 2026 and September 18, 2026 respectively.

Scorecard2 real differences · 8 level
EnvelopePlus versus Budget Zero: the parameters behind the verdict, then further details
ParameterEnvelopePlusBudget Zero
PriceFreeFree
Rating5.0 (3 ratings) — better4.2 (5 ratings)
Positive reviews53.8% of reviews — better50.0% of reviews
Number of ratings35 — better
Update frequencyMonthlyEvery 4 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.0 — better18.0
Further details — not scored
Size5 MB12 MB
Age rating4+4+
DeveloperRobert E Carr JrGrey Park, LLC

Customer experience

EnvelopePlus

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews13 reviews
Positive53.8%
Neutral0.0%
Negative46.2%

Budget Zero

All ratings5 ratings
Positive80.0%
Neutral0.0%
Negative20.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

3 purchases

EnvelopePlus

One-time3
  • 1 month of EnvelopePlus Service$0.99
  • 6 months of EnvelopePlus Service$4.99
  • 1 year of EnvelopePlus Service$8.99
2 purchases

Budget Zero

Subscriptions2
  • Monthly Subscription1 Month trial$2.991 Month
  • Yearly Subscription1 Month trial$19.991 Year

Questions

Is EnvelopePlus free?
EnvelopePlus is free to download, with in-app purchases available.
Is Budget Zero free?
Budget Zero is free to download, with in-app purchases available.
Which has better reviews, EnvelopePlus or Budget Zero?
EnvelopePlus is rated higher. EnvelopePlus averages 5.0 out of 5 from 3 ratings, while Budget Zero averages 4.2 from 5 ratings.
Do EnvelopePlus or Budget Zero have ads?
Neither EnvelopePlus nor Budget Zero shows ads.
Which is updated more often, EnvelopePlus or Budget Zero?
EnvelopePlus ships an update monthly, and Budget Zero every 4 days. Most recently, EnvelopePlus was updated on June 1, 2026 and Budget Zero on September 18, 2026.

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