Goodbudget review
A shared envelope budget with a useful free tier and paid bank synchronization.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Goodbudget is personal finance software built around the envelope budgeting method. It suits individuals and households that want to allocate money to virtual envelopes, record transactions, schedule recurring expenses, track account balances and debts, and synchronize a shared household budget across supported devices. The product is available on the web, iOS, and Android, with manual bank-file imports for QFX, OFX, and CSV files and CSV export for transaction history.
The free plan is designed for a limited but functional budgeting setup. It includes 10 regular envelopes, 10 additional envelopes, one account, two devices, and one year of history, and is offered as Free forever. The Premium plan costs $10 per month and adds automatic bank synchronization for US banks, unlimited envelopes, unlimited accounts, five devices, seven years of history, and debt tracking. That structure makes the free version suitable for a smaller household budget, while Premium is the relevant choice for broader account coverage, longer history, or connected US banking.
Goodbudget’s platform fit is broad within personal finance: households can work from the web, iPhone, and Android, while Plaid supports the automatic bank-sync connection. Its tools also include scheduled recurring expenses and transactions, debt-payoff tracking, and a Net Total calculation from tracked account balances. The product remains focused on envelope budgeting rather than comprehensive net-worth tracking; its documented Net Total calculation excludes off-budget Debt Accounts. Choose Goodbudget if shared envelope allocation and cross-device access are central requirements. Consider another option if you need automatic synchronization beyond connected US banks or a net-worth view that includes off-budget debt accounts.
Goodbudget pros and cons
- Where it wins
- Shared household budgets across web, iOS, and Android
- Free plan includes 10 regular and 10 additional envelopes
- Premium adds automatic sync for connected US bank accounts
- Where it doesn't
- Automatic bank sync is limited to connected US bank accounts
- Free plan is limited to one account, two devices, and one year of history
- Net Total excludes off-budget Debt Accounts
Goodbudget fact sheet, pricing and score →
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