# EnvelopeBudget vs GoodBudget

> EnvelopeBudget ($4/mo) vs GoodBudget ($10/mo). EnvelopeBudget costs less per year. Pick EnvelopeBudget for people who want hosted envelope budgeting with optional manual entry or bank sync through SimpleFIN or Plaid, plus debt-payoff planning and shared budgets; pick GoodBudget for couples and households who want to plan spending with envelopes across several devices and can accept manual entry or US-only bank sync.

Source: https://budgetingapps.org/compare/envelopebudget-vs-goodbudget

EnvelopeBudget, our Editor’s Pick, has a financial interest in BudgetingApps.org.

## Key differences

- **Price:** EnvelopeBudget is cheaper: about $40 a year versus $80 a year for GoodBudget, a difference of $40. EnvelopeBudget also offers a lifetime option ($60 ($60 lifetime (first 500 members; remaining spots not stated))).
- **Trying it first:** GoodBudget has a free plan. Free trials: EnvelopeBudget (34-day free trial, no credit card required).
- **Budgeting method:** EnvelopeBudget is built for envelope, zero-based and expense tracking budgeting; GoodBudget for envelope and couples & families. They overlap on envelope.
- **Platforms:** Both run on Android, iOS and Web.
- **Feature differences:** EnvelopeBudget lists goal tracking, reports & charts and multi-currency, which GoodBudget’s listing does not confirm.
- **Separate logins for shared budgets:** Invite family or teammates to the same budget with their own logins. Sharing one password or sign-in link does not count. Separate logins do not necessarily mean private accounts or transactions. EnvelopeBudget: Yes. Invite family and team members to shared budgets with their own logins. Manage member access and transfer budget ownership; eligible family members can share the family owner's subscription access. GoodBudget: No. Partners can share a household budget across devices, but Goodbudget's sharing guide tells both people to use the same household username or email address and password. This is shared-login access, not separate member logins.
- **Bank sync:** EnvelopeBudget: Optional SimpleFIN ($1.50/mo or $15/yr paid to SimpleFIN) or Plaid ($3/mo or $30/yr add-on). Plaid is enabled in the web, iOS and Android apps, per current owner confirmation; the vendor changelog documents Plaid connections and mobile bank-sync updates. GoodBudget: Premium only; US banks only (Plaid-based per changelog).

## Which should you choose?

- **EnvelopeBudget is best for:** people who want hosted envelope budgeting with optional manual entry or bank sync through SimpleFIN or Plaid, plus debt-payoff planning and shared budgets.
- **GoodBudget is best for:** couples and households who want to plan spending with envelopes across several devices and can accept manual entry or US-only bank sync.

Full reviews: [EnvelopeBudget](https://budgetingapps.org/apps/envelopebudget.md), [GoodBudget](https://budgetingapps.org/apps/goodbudget.md)