Okane vs Goodbudget
Last updated: May 3, 2026
Recommendation
Okane and Goodbudget are the two free envelope budgeting apps people most often weigh against each other. Okane's free tier is unlimited (envelopes, accounts, and stores the budget in your Google Sheet); Goodbudget's free tier is capped at 20 envelopes (10 regular + 10 'more') and 1 account, then steps up to $80/year for unlimited and bank sync. Okane's Premium ($5/month) adds Plaid sync and on-device AI categorization; Goodbudget's Plus uses Plaid and email support.
Choose Okane Budgeting if…
You want unlimited envelopes on the free tier, you want the budget as a Google Sheet you own, you're mobile-first, or you want on-device AI categorization on Premium.
Choose Goodbudget if…
20 envelopes is enough for your household, you specifically want a web app (Goodbudget has one; Okane doesn't), or you've used Goodbudget for years and don't want to migrate.
Pricing
| Okane Budgeting | Goodbudget | |
|---|---|---|
| Pricing | Free tier · $5/mo · $60/yr | Free tier · $10/mo · $80/yr |
| Verification | Verified | Verified |
Feature comparison
| Okane Budgeting | Goodbudget | |
|---|---|---|
| Bank sync | Yes | Yes |
| Manual transactions | Yes | Yes |
| Envelope budgeting | Yes | Yes |
| Zero-based budgeting | Yes | Unknown |
| Couples / shared budget | Yes | Yes |
| Google Sheets | Yes | No |
| CSV export | Yes | Yes |
| Recurring transactions | Unknown | Yes |
| Net worth tracking | Unknown | No |
Privacy
| Okane Budgeting | Goodbudget | |
|---|---|---|
| Summary | Budget data is stored in a Google Sheet on the user's Drive. Okane does not retain a server-side copy of the budget. AI categorization runs on-device. Bank credentials are handled by Plaid; Okane does not see them. | 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. |
| Sells data | does_not_sell | does_not_sell |
| Verification | Verified | Verified |
Tradeoffs to consider
Goodbudget's free tier is real but has hard caps. Okane's free tier is genuinely unlimited but mobile-only. At the paid tier, Goodbudget Plus ($80/yr) and Okane Premium ($60/yr) cost roughly the same; the meaningful difference is data location (your Sheet vs Goodbudget's servers) and AI categorization (on-device vs none).
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Sources
- Goodbudget plans (signup page) — Dayspring Technologies. Accessed May 3, 2026.
- Okane homepage — Okane. Accessed May 3, 2026.
- Okane homepage and pricing copy — Okane. Accessed May 2, 2026.