Envelope Budget vs The Silo

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

Envelope Budget compared with The Silo
Detail	Envelope Budget	The Silo
What it does	Paycheck-first envelope budgeting app for hourly and irregular income	Budgeting and debt payoff planner with no bank linking and no data selling
Stage	Not given	Not given
Founded	Not given	Not given
Based in	Not given	Not given
Pricing model	Freemium	Not given
Pricing	Free: Up to 5 envelopes, bills, paycheck planning, guided onboarding. Pro: $12/month or $120/year with unlimited envelopes, credit card planning, JSON backup, timesheet export. Pro+: $16/month or $160/year with business and timesheet tools.	Free plan: 2 accounts, 5 debts, 1 property, no card required. Home plan: $5.99/month.
Key features	Timesheet logging to paycheck tracking Unlimited envelopes (Pro/Pro+) Debt snowball tracking Credit card planning Manual entry without bank connection Bill tracking Paycheck-month planning	Avalanche, snowball, or custom debt payoff order Projected debt-free date Financial forecasting up to ten years out Overdraft warnings months in advance Bank and credit card statement upload No bank account connection required Two-factor authentication and encryption Consolidation offer calculator Household sharing of financial books
What makes it different	Timesheet-to-paycheck pipeline not found in general budgeting apps Paycheck-date budgeting instead of calendar-month autopilot Debt snowball and credit card tools in same envelope workspace	No bank account linking – you enter numbers, not credentials Price locked in for life – no rate increases Reads bank statements to eliminate manual data entry Actual debt-free date instead of vague projections Warns of overdrafts months before they happen
Community votes	0	0
DR (Domain Rating by Ahrefs)	Not checked yet no change since last check	10 no change since last check
Trust Flow (Majestic)	10	22
Citation Flow (Majestic)	8	12
Referring domains (Majestic)	34	2

4 details filled in for both companies.

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