Comparison

NeoBudget vs Envelope Budget

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

Head to head
About

NeoBudget

This budgeting app helps you manage your finances by tracking expenses and updating your budget in real-time. It offers a simplified way to record transactions and stay informed about your financial status while on the go.

Highlights
  • Online envelope budgeting system
  • Record transactions on-the-go
  • Update budget in real-time
  • Access online account
  • Simplified expense tracking
Read full description

NeoBudget is an online envelope budgeting system. The NeoBudget app provides access to your online account and simplifies the process of recording transactions and updating your budget on-the-go.

About

Envelope Budget

Effortlessly manage your finances with an envelope budgeting system. Link accounts, track spending, and fund categories with ease. Gain clarity on your financial standing with insightful reports and a user-friendly interface.

Highlights
  • Envelope budgeting system
  • Unlimited spending categories
  • Track expenses, income, debt, and bills
  • Automatic bank syncing via Plaid
  • Net worth tracking
  • Spending trend reports
Features
Read full description

Kualia makes envelope budgeting effortless. Whether you're just getting started or switching from another app, you can set up your budget, link your accounts, and start tracking spending in minutes. Every dollar gets a purpose. Fund your categories with a single tap, review imported transactions with a swipe, and always know exactly where you stand financially. =============== What Users Are Saying "For those familiar with an envelope budget, or zero-based budget, this app really nails it. For a fraction of the price of competitors, it offers pretty much the same functionality, it's being actively developed, and the developers are super friendly and really prioritize user feedback." "I've spent a long time and numerous app downloads to find a budget app that meets all my needs and this is the one! This app is so easy to use and covers every single aspect that I am looking for." =============== Why Kualia? Budget With Confidence Built around the envelope method, Kualia turns budgeting from a chore into a daily habit you can actually keep up with. Create unlimited categories to organize your spending Set weekly, monthly, or yearly targets for each category Track expenses, income, debt, and recurring bills in one place Fund your entire budget with a single tap Bank Syncing Through Plaid Link your accounts and let transactions flow in automatically. Connect to thousands of financial institutions Review and categorize imported transactions one by one Enter transactions manually whenever you prefer Reports That Actually Help See the full picture of your finances without digging through spreadsheets. Track your net worth over time View monthly spending trends and top categories Reports classify transactions as inflows or outflows based on their net effect Spending breakdowns across savings, checking, and credit accounts Designed to Be Fast Kualia is built for speed. Budgeting a full list of categories, reviewing transactions, swiping through your day -- it all feels snappy and responsive. No lag, no waiting. Built by an Indie Developer Kualia is built and maintained by a solo developer who reads every piece of feedback. This isn't a faceless corporation. If you have a question, you'll hear back from the person who actually builds the app. =============== Subscription Kualia runs on a simple subscription with no ads, ever. 7-day free trial to explore everything No free tier with locked features. Everyone gets the full app. Subscriptions renew automatically unless canceled at least 24 hours before the end of the billing cycle. Any unused portion of the free trial is forfeited upon subscribing. Take control of your money with Kualia. Terms of Use: https://kualia.com/terms-of-service Privacy Policy: https://kualia.com/privacy

Screenshots

NeoBudget4 screens
Envelope Budget4 screens

Verdict

The call

The clearest difference is in-app purchases: NeoBudget at none against Envelope Budget's 5. NeoBudget also leads on rating (4.9 vs 4.6) and device support (3 vs 1). Envelope Budget's advantage is update cadence (every 4 days vs every 5 weeks) and review sentiment (90% vs 67%). On price 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. Envelope Budget sells 5 in-app purchases, starting at $9.99 per month. NeoBudget asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

NeoBudget holds the better App Store score, 4.9 against 4.6. Both are backed by a comparable volume of ratings — 13 and 47 respectively. Written reviews complicate that: 67% of NeoBudget's written reviews are positive against 90% of Envelope Budget's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

NeoBudget ships an update every 5 weeks, Envelope Budget every 4 days. The most recent releases landed on October 24, 2026 and October 27, 2026 respectively.

Scorecard8 real differences · 2 level
NeoBudget versus Envelope Budget: the parameters behind the verdict, then further details
ParameterNeoBudgetEnvelope Budget
PriceFreeFree
Rating4.9 (13 ratings) — better4.6 (47 ratings)
Positive reviews66.7% of reviews89.7% of reviews — better
Number of ratings1347 — better
Update frequencyEvery 5 weeksEvery 4 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterSubscription
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.1 — better18.0
Further details — not scored
Size48 MB45 MB
Age rating4+4+
DeveloperTebros Systems, LLCKualia, Inc.

Customer experience

NeoBudget

All ratings10 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews12 reviews
Positive66.7%
Neutral16.7%
Negative16.7%

Envelope Budget

All ratings47 ratings
Positive89.4%
Neutral0.0%
Negative10.6%
Written reviews29 reviews
Positive89.7%
Neutral0.0%
Negative10.3%

In-app purchases

None

NeoBudget

No in-app purchases

5 purchases

Envelope Budget

Subscriptions4
  • Kualia Pro Month7 Days trial$9.991 Month
  • Kualia Pro Monthly$9.991 Month
  • Kualia Pro Year7 Days trial$79.991 Year
Show 1 more
  • Kualia Pro Year$79.991 Year
One-time1
  • Kualia Pro Lifetime$199.99

Questions

Is NeoBudget free?
NeoBudget is free to download, with no in-app purchases.
Is Envelope Budget free?
Envelope Budget is free to download, with in-app purchases available.
Which has better reviews, NeoBudget or Envelope Budget?
NeoBudget is rated higher. NeoBudget averages 4.9 out of 5 from 13 ratings, while Envelope Budget averages 4.6 from 47 ratings.
Do NeoBudget or Envelope Budget have ads?
Neither NeoBudget nor Envelope Budget shows ads.
Which is updated more often, NeoBudget or Envelope Budget?
NeoBudget ships an update every 5 weeks, and Envelope Budget every 4 days. Most recently, NeoBudget was updated on October 24, 2026 and Envelope Budget on October 27, 2026.

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