YNAB vs GoodBudget
Last updated: February 2026
YNAB
★★★★½
4.6/5
GoodBudget
★★★★☆
4.2/5
Pricing Comparison
| YNAB | GoodBudget | |
|---|---|---|
| Monthly | $14.99/mo | $10/mo |
| Yearly | $109/yr | $80/yr |
| Lifetime | — | — |
| Free Trial | 34-day free trial | — |
| Free Tier | ❌ | ✅ |
Feature Comparison
| Feature | YNAB | GoodBudget |
|---|---|---|
| Envelope Budgeting | ✅ | ✅ |
| Bank Sync | ✅ | ❌ |
| Manual Entry | ✅ | ✅ |
| Goal Tracking | ✅ | ✅ |
| Debt Payoff | ✅ | ✅ |
| Investment Tracking | ❌ | ❌ |
| Bill Reminders | ❌ | ❌ |
| Reporting | ✅ | ✅ |
| Multi-Currency | ✅ | ❌ |
| Shared Budgets | ✅ | ✅ |
Our Verdict
YNAB is best for: Committed budgeters who want a full-featured tool and don't mind paying a premium
GoodBudget is best for: Couples who want a free or low-cost envelope budgeting app they can share
Frequently Asked Questions
Is YNAB or GoodBudget cheaper?
YNAB costs $109/yr while GoodBudget costs $80/yr.
Does YNAB or GoodBudget have bank sync?
YNAB offers bank sync, while GoodBudget uses manual entry only.
Which app is better for envelope budgeting?
Both YNAB and GoodBudget support envelope-style budgeting.
EDITOR'S PICK
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