Goodbudget review

Goodbudget is the digital version of the cash envelope system, and it suits people whose spreadsheet already has one column per envelope. You create envelopes for rent, groceries, eating out and the rest, then fund them up front and spend from the envelope rather than the account balance. Sync is the main reason to move from a sheet: when one partner records a purchase on iPhone or Android, the other sees what was spent, where and when. The free plan is real and permanent, with 10 regular envelopes, 10 more envelopes, 1 account, 2 devices, 1 year of history and debt tracking, but it has no automatic bank sync, so every transaction is entered by hand. Premium costs $80 a year or $10 a month and adds bank sync for US banks, unlimited envelopes and accounts, 5 devices, 7 years of history and email support; a 2026 update added pending transaction imports. Planning and reporting are lighter than in Monarch or Quicken Simplifi.

Who it is for

couples who like the envelope method and want a free start

Price

Free plan; Premium $80 per year (about $6.67 a month) or $10 monthly.

$ 10 per month or $80 annually
Quoted from the vendor pricing page on November 13, 2026.

Key features

• Envelope budgeting: set money aside per category before spending
• Free plan: 10 regular envelopes, 10 more envelopes, 1 account, 2 devices and 1 year of history
• Premium: automatic bank sync for US banks, unlimited envelopes and accounts, 5 devices and 7 years of history
• Household budgets sync across iPhones and Androids
• Debt Accounts on the web track payoff progress

Strengths and weaknesses

• Strength: Permanent free plan with debt tracking
• Strength: Premium imports pending transactions since a 2026 update
• Strength: Email support on Premium
• Weakness: Free plan has no automatic bank sync
• Weakness: Bank sync on Premium covers US banks only
• Weakness: Free plan is limited to 2 devices and 1 year of history

Key facts

• Free plan: Yes, 20 envelopes, 1 account, 2 devices
• Premium: $80 per year or $10 per month
• Bank sync: Premium, US banks only
• History: 1 year free, 7 years Premium

Where it ranks

Goodbudget is No. 6 in our Best Budgeting Apps verdict.