Goodbudget review

Goodbudget brings the cash envelope system to your phone. Each month you split income into envelopes for groceries, rent or fun, plus annual and goal envelopes for things like car insurance or a holiday, and you spend from them until they are empty. The budget syncs across phones and the web, so partners see the same envelopes. The free version is enough to learn the method, with 10 regular envelopes, 10 annual or goal envelopes, one account, two devices and a year of history. Premium, at $10 a month or $80 a year, adds unlimited envelopes and accounts, five devices, seven years of history, email support and bank sync for US banks. Goodbudget has kept adding features, including importing pending transactions in 2026. The tradeoff is effort: it expects you to plan and review by hand, and it has none of the automatic suggestions in Copilot Money or Simplifi.

Who it is for

Couples and families who like the envelope system and are fine planning by hand.

Price

Free version; Premium $10 per month or $80 per year.

$10/month or $80/year.
Quoted from the vendor pricing page on November 8, 2026.

Key features

• Envelope budgeting for regular and annual or goal envelopes
• Budget shared across phones and the web
• Debt tracking and payoff progress on the web
• Premium bank sync for US banks
• Up to seven years of transaction history on Premium

Strengths and weaknesses

• Strength: Free version with 10 regular and 10 annual envelopes
• Strength: Envelope method makes spending limits concrete
• Strength: Shared budgets for households
• Weakness: Free version allows one account and two devices
• Weakness: Bank sync is Premium only and limited to US banks
• Weakness: Less automation than tracker apps

Key facts

• Method: Envelope budgeting
• Free version: 10 regular and 10 annual envelopes, 1 account, 2 devices
• Premium: Unlimited envelopes and accounts, 5 devices
• History: 1 year free, 7 years Premium
• Platforms: Web, Android, iPhone

Where it ranks

Goodbudget is No. 8 in our Best Budgeting Apps verdict.