Goodbudget
Dayspring Technologies
Manual envelope-budgeting app with shared partner access. Free tier exists with envelope and account caps; the Plus tier raises the limits and adds bank import.
Last updated: May 3, 2026
Best for
- Couples who want a shared envelope budget
- Manual-entry purists who don't want bank credentials in the loop on the free tier
- Households with a small number of envelopes
Not ideal for
- Power users with many envelopes (free tier is capped)
- Users who want fully automatic transaction import on the free tier
- Users who want zero-based YNAB-style envelope semantics
Pricing
$10/month · $80/year
Free tier: 10 regular envelopes + 10 'more' envelopes, 1 account, 2 devices, 1 year of transaction history, community support. Plus: $10/month or $80/year, unlimited envelopes and accounts, 5 devices, 7 years of history, automatic US bank sync, email support.
Platforms
| Web | Yes |
|---|---|
| iOS | Yes |
| Android | Yes |
| Desktop | No |
Features
| Bank sync | Yes |
|---|---|
| Plaid support | Yes |
| Manual transactions | Yes |
| Envelope budgeting | Yes |
| Zero-based budgeting | Unknown |
| Couples / shared budget | Yes |
| Google Sheets integration | No |
| CSV import | Yes |
| CSV export | Yes |
| Recurring transactions | Yes |
| Bill calendar | Unknown |
| Net worth tracking | No |
Privacy
Budget data is stored on Goodbudget's servers. The Plus tier uses Plaid for US bank sync; the free tier is manual-only, so no aggregator touches bank credentials at that tier. Goodbudget's privacy policy explicitly states personal information is never sold or rented.
Account deletion requested by emailing support; PII removed within 30 days, complete log/backup removal within 12 months per the policy.
Pros
- Real envelope budgeting with a free tier
- Cross-platform: web, iOS, Android
- Shared partner access supported
Cons
- Free tier capped on envelopes and accounts
- Bank import is a paid feature
- UI feels dated relative to newer competitors
Compared head-to-head
- Okane vs Goodbudget — Okane vs Goodbudget: both have a real free envelope budgeting tier. Okane has unlimited envelopes and Google Sheets sync; Goodbudget caps the free tier at 20 envelopes.
- YNAB vs Goodbudget — YNAB vs Goodbudget: both are envelope budgeting apps but with different price tags. YNAB is $109/year and polished. Goodbudget has a real free tier capped at 20 envelopes, with a $80/year unlimited tier.
Featured in
Alternatives
- Okane Budgeting — Mobile envelope budgeting app whose backing store is a Google Sheet on the user's own Drive. Free tier with unlimited envelopes; $5/month Premium adds Plaid bank sync and on-device AI categorization.
- YNAB (You Need A Budget) — Subscription envelope-budgeting app built around the zero-based method. Web-first with iOS and Android companions. Mature ecosystem and large community; no permanent free tier.
- EveryDollar — Ramsey Solutions' zero-based budgeting app. Free tier supports manual budgeting; paid Premium tier adds bank sync and additional features.
- Actual Budget — Open-source local-first envelope budgeting app. Free if you self-host on a server, Pi, or your own machine; the project also offers a paid hosted sync service.
Sources
- Goodbudget homepage — Dayspring Technologies. Accessed May 2, 2026.
- Goodbudget plans (signup page) — Dayspring Technologies. Accessed May 3, 2026.
- Goodbudget privacy policy — Dayspring Technologies. Accessed May 3, 2026.Direct quote: 'Your Personal Information is never sold or rented, to anyone, for any reason, at any time.'