MoneyMatter vs Envelope Budget

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

MoneyMatter compared with Envelope Budget
Detail	MoneyMatter	Envelope Budget
What it does	Open-source budget tracker and personal finance app	Paycheck-first envelope budgeting app for hourly and irregular income
Stage	Not given	Not given
Founded	Not given	Not given
Based in	Not given	Not given
Pricing model	Freemium	Freemium
Pricing	Essential: $30/year or $5/month. Includes manual entry, imports, investments, backup export, MCP server, and 2 household seats. Plus: $55/year or $8/month. Adds bank sync, AI features on the company's key, FIRE planner, and 5 household seats. Self-hosting is free forever and includes all features.	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.
Key features	Bank connections via LunchFlow, SimpleFIN, and Monobank Automatic transaction categorization with AI learning Budget tracking and progress monitoring Investment portfolio tracking including crypto Multi-currency support with automatic exchange rates Family sharing with per-account access control AI MCP server for connecting external AI assistants Reports and analytics with pivot tables	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
What makes it different	Fully open-source under AGPL-3.0 with auditable code Self-host for free with Docker or use cloud starting at $2.50/month Bank coverage across 30+ countries Bring your own AI or use the built-in assistant Data encryption and full user control with no data selling	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
Community votes	0	0
DR (Domain Rating by Ahrefs)	Not checked yet no change since last check	Not checked yet no change since last check
Trust Flow (Majestic)	1	10
Citation Flow (Majestic)	15	8
Referring domains (Majestic)	72	34

5 details filled in for both companies.

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