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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

GoodBudget

★ 4.00
View Details →

YNAB (You Need A Budget)

★ 4.70
View Details →
Basic Information
Website Visit Site ↗ Visit Site ↗
Pricing Model Freemium Subscription
Price Details Free tier includes 10 envelopes and 1 account. Premium subscription costs $8/month or $70/year for unlimited envelopes, multiple accounts, and debt tracking. 34-day free trial; then $15/month or $109/year. Free for college students for one year.
Monthly Price $10.00 $15.00
Annual Price $80.00
Save $40.00/year
$109.00
Save $71.00/year
Founded 2011 2004
Platform Support
Web
Ios
Android
Windows
Mac
Linux
Features
Bank account syncing via Plaid/TrueLayer
Budget templates
CSV export for data
Customizable budget categories
Debt tracking (premium)
Envelope-based budgeting
Goal setting
Goal setting for savings and debt
Loan calculator for debt management
Manual transaction entry
Manual transaction entry option
Real-time syncing across devices
Shared budgeting for households
Shared budgeting for up to six users
Spending and net worth reports
Spending reports and insights
Target setting for irregular expenses
Zero-based budgeting
Pros & Cons
Pros
  • + Great for couples or shared budgets
  • + Free tier is functional for basic needs
  • + Simple, intuitive envelope system
  • + Forces disciplined, intentional spending
  • + Excellent bank syncing when it works
  • + Detailed reports for financial nerds
Cons
  • No automatic bank syncing
  • Free tier limits you to 10 envelopes
  • Premium feels pricey for what it offers
  • Pricey subscription for a budgeting app
  • Steep learning curve for newbies
  • Bank sync can be slow or glitchy

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Quick Summary

GoodBudget

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

9 features

YNAB (You Need A Budget)

Best for:

Users wanting ongoing support

Platform coverage:

6 platforms

Feature count:

10 features