Goodbudget review

Goodbudget brings the cash envelope method to an app. You create envelopes for rent, groceries, eating out and other categories, set aside money in each before the month starts, and spend from envelopes rather than your account balance. The household angle is the main draw: when one person spends from an envelope, everyone sharing the budget sees what was spent, where and when, across iPhone, Android and the web. Debt accounts on the web track payoff progress. The free plan is permanent but limited to 10 regular and 10 more envelopes, 1 account, 2 devices and 1 year of history. Premium costs $10 a month or $80 a year and adds automatic bank sync for US banks, unlimited envelopes and accounts, 5 devices, 7 years of history and email support. It is less automated than most apps here, with lighter reporting and no investments, but the envelope approach works well for people who overspend.

Who it is for

Households that like the cash envelope method and want to plan spending up front.

Price

Free plan with 20 envelopes; Premium $80 per year (about $6.67 per month) or $10 monthly.

$ 10 per month or $80 annually
Quoted from the vendor pricing page on November 9, 2026.

Key features

• Envelope budgeting with regular and annual or goal envelopes
• Household budget sync across iPhones, Androids and the web
• Debt tracking with payoff progress
• Premium automatic bank sync for US banks
• Premium unlimited envelopes and accounts, 5 devices and 7 years of history

Strengths and weaknesses

• Strength: Free forever plan with 10 regular and 10 more envelopes
• Strength: Sharing built in for households
• Strength: Premium is cheaper than most full-featured rivals
• Weakness: Free plan limited to 1 account and 2 devices
• Weakness: Bank sync only for US banks and only on Premium
• Weakness: Fewer reports and no investment tracking

Key facts

• Free plan: 20 envelopes, 1 account, 2 devices
• Premium devices: 5
• History: 1 year free, 7 years Premium

Where it ranks

Goodbudget is No. 9 in our Best Budgeting Apps verdict.