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- RealBudget: Envelope Budgeting Vs. Envy: Envelope Budget Planner
RealBudget: Envelope Budgeting vs Envy: Envelope Budget Planner Usage & Stats
The envelope budgeting system is an intuitive and effective way to manage money and track spending. RealBudget brings this powerful method to your fingertips in a clean, simple, and modern way.
Create digital envelopes, track expenses, and take full control of your finances. Whether you're virtually cash stuffing individual envelopes or setting up a full zero-based budget, RealBudget uses envelope budgeting to make managing your finances effortless and organized.
Key Features:
• Custom Budget Periods – Choose from monthly, weekly, bi-weekly, semi-monthly, quarterly, or yearly
• Budget Sharing* – Collaborate in real-time with others and receive instant updates and notifications
• Bank Sync* – Automatically import bank transactions
• Flexible Rollover Options – Decide what happens to leftover funds at the end of each budget period
• Persistent Savings Envelopes – Set aside funds and track savings over time
• Transaction Notes – Add details for better tracking and budgeting insights
• Access Across Devices* – Budget seamlessly across phones, tablets, and the web
• Custom Number Formatting – Make your amounts look just the way you expect
• Export to CSV – Easily export budget data for spreadsheets
• Community Board – Stay motivated by budgeting alongside friends and family
Free to use on a single mobile device and on the web. The RealBudget Premium subscription has a Share tier ($3 per month USD) and a Sync tier ($10 per month USD) with free trials for first time subscribers. Upgrade to unlock:
• Budget Sharing – Invite others to manage a budget together in real-time
• Access Across Devices – Access your budget across multiple mobile devices
• Bank Sync – Automatically import bank transactions (Sync tier only; currently available in US & CA)
Take control of your finances today!
See the following link for the end user license agreement (EULA) https://www.apple.com/legal/internet-services/itunes/dev/stdeula/.
- Apple App Store
- Free
- Finance
Store Rank
- -
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Recent 5-Star Reviews
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"Love the simplicity of this app. We don’t want to carry cash around but wanted to still utilize the envelope system. This is the best app so far."
"I’ve gone through all the budgeting apps literally at least 30. All of them wanted my bank information, didn’t offer digital envelopes, or was just over complicated! I needed an app that I could have 5-10 categories on that was easy to use and didn’t require me to put in all my bills and total salary."
"Good for people who want a simple way to track and control their spending. Very effective way of seeing what is left to spend. Clean and user-friendly interface."
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Envy
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After trying all the popular budgeting apps for years and running into the same issues over and over again....
• Ridiculous subscription models
• Continually recategorizing transactions
• Security concerns over linking cards and accounts
• Complicated graphs and features
• Long latency to update recent transactions
• Creating login accounts over and over again
• Verifying credentials repeatedly
...I created Envy. Simplistic budgeting that digitizes the cash envelope system and puts you back in the driver seat. Sure, it's manual but it's your money after all.
• Create unlimited envelopes to organize your budget and manage your money easily*
• Quick deposit refills all of your envelopes in one click (you can choose whether to exclude envelopes from this feature)
• Rename envelopes and update their budget without losing transactions.
• Move transaction easily from one envelope to another
• Start envelopes with negative balances
• See all your transactions in one place outside of each category
• Enter and edit transactions in under 5 seconds
• Export your transactions as a CSV
• Custom sorting or sort by date, transaction, amount, name, deposit and color
• Based on your local currency
• Dedicated solo developer that responds to emails :)
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****TRY BEFORE YOU BUY
• Free version provides limited envelopes and viewable transactions that demonstrate the functionality and ease of use.
- Apple App Store
- Free
- Finance
Store Rank
- -
RealBudget: Envelope Budgeting vs. Envy: Envelope Budget Planner ranking comparison
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January 12, 2026