Envelopes vs Simple Envelope Budgeting
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Envelopes
This app helps you manage your finances using the envelope budgeting method virtually. Easily track spending, distribute income, and secure your financial data with passcode or biometric authentication.
- Virtual envelope budgeting
- Unlimited envelope creation
- Quick budget setup
- Track deposits and withdrawals
- Passcode and biometric security
- Customizable themes
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Envelopes is a virtualisation of the envelope budgeting method. It is simple to use and allows you to keep a close eye on where your money is being spent, but without the need to keep paper envelopes filled with cash around. ∙ Create unlimited envelopes and order them to your preference. ∙ Set up a budget with Quick Deposits and distribute your income to all your envelopes at once. ∙ Create withdrawals, deposits, and transfers with custom memos to track your spending. ∙ Secure your data with a passcode, and use Touch ID or Face ID if supported by your device. ∙ Choose from two themes (red or blue) to suit your preferences.
Simple Envelope Budgeting
Digitize your financial efforts with this straightforward budgeting app. It uses a color-coded envelope system to help you track spending, set savings goals, and avoid going over budget. Syncs across devices without ads or in-app purchases.
- iCloud Sync
- Savings Goals
- Color-Coded Envelopes
- Budget Overspend Indicator
- Search Function
- Ad-Free Experience
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All The Features You Want: - Syncs Via iCloud to All of Your Devices - Goals for Savings - Color-Coded Envelopes - Supports iPhone and iPad - Search Function to Quickly Find Envelopes - Filters for Viewing Specific Transactions and Expenses - Indicates When You Are Over Budget None of the Features You Don't: - No Ads - No In-App Purchases to Unlock Full Functionality - No Syncing with Your Bank Account (I've never found an app that does this in a useful manner anyways) Creating a budget is a crucial element of financial success. Without tracking your spending, even the fanciest of excel sheets are deemed useless. Simple Envelope is the easiest, quickest, and most efficient way to monitor and execute your budgets. Based on the physical envelope method, Simple Envelope is here to help you digitize your financial efforts so you can easily track your spending habits. Tracking family allowances? Instead of making trips to the bank, leave everyone's allowance in the bank and keep it all in digital envelopes instead! Simple envelope strives to make tracking your budgets as easy as 1,2,3! Simply create new “envelopes” with your budget's desired name and monetary amount. As you spend, add in your expenditures to see where and how you spend your money - Simple in and Simple out.
Screenshots
Verdict
The clearest difference is review sentiment: Envelopes at 88% against Simple Envelope Budgeting's 38%. Envelopes also leads on rating (4.4 vs 3.7) and ratings volume (127 vs 11). Simple Envelope Budgeting's advantage is price ($2.99 vs $6.99) and update cadence (monthly vs every 3 months). On ads, in-app purchases, chart position 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
Envelopes costs $6.99 and Simple Envelope Budgeting $2.99 up front. Neither carries in-app purchases, so what you see is what you pay.
Envelopes holds the better App Store score, 4.4 against 3.7. That said, the two scores are not equally well evidenced: Envelopes has 127 ratings behind it against 11, so its average is the more settled of the two. Written reviews point the same way: 88% of Envelopes's written reviews are positive against 38% of Simple Envelope Budgeting's.
Envelopes ships an update every 3 months, Simple Envelope Budgeting monthly. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.
| Parameter | Envelopes | Simple Envelope Budgeting |
|---|---|---|
| Price | $6.99 | $2.99 — better |
| Rating | 4.4 (127 ratings) — better | 3.7 (11 ratings) |
| Positive reviews | 87.6% of reviews — better | 37.5% of reviews |
| Number of ratings | 127 — better | 11 |
| Update frequency | Every 3 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Paid |
| Best chart rank | #32 — better | #46 |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 13.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 5 MB | 4 MB |
| Age rating | 4+ | 4+ |
| Developer | emdentec ltd | Frank Herring |
Customer experience
Envelopes
Simple Envelope Budgeting
Bugs and requests
Envelopes
Reported bugs
5 issues- App crashes when transferring money between envelopes
- Data loss after iOS updates
- Failed data import from legacy version
- App not downloading after purchase
- Compatibility issues with older iOS versions
Requested features
20 requests- Cloud sync and cross-device synchronization
- Multi-user/family sharing capabilities
- Recurring deposits and automatic monthly resets
- Spending visualization (pie charts, graphs, reports)
- Transaction categorization and tagging system
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- Envelope grouping/folder organization
- Custom color wheel for envelope customization
- Export to PDF or Excel functionality
- Search feature across all transactions
- Activity/transaction history log
- Backup and data export options
- Notes/sticky pad feature for each envelope
- Goal-setting with target dates and progress tracking
- Print summary of envelope balances
- Multiple account support
- Bank account connection (optional)
- User guide with search function and FAQ
- App tutorial for new users
- Ability to hide total balance display
- Recurring withdrawal/payment automation
Simple Envelope Budgeting
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Envelopes
No in-app purchases
Simple Envelope Budgeting
No in-app purchases
Questions
Is Envelopes free?
Is Simple Envelope Budgeting free?
Which has better reviews, Envelopes or Simple Envelope Budgeting?
Do Envelopes or Simple Envelope Budgeting have ads?
Which is updated more often, Envelopes or Simple Envelope Budgeting?
Which is more popular, Envelopes or Simple Envelope Budgeting?
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