What this page does
This is an independent desk comparison based on Goodbudget public plan information, checked August 12, 2026. It is not a controlled hands-on test. We do not earn a commission from Goodbudget. Plan & Multiply is our product, so references to it are disclosed publisher comparisons.
Goodbudget Free: current limits
Goodbudget Free is a permanent $0 plan. The official plan page lists 10 regular envelopes and 10 more envelopes. That is 20 slots across the two envelope types, not a 10-envelope total cap.
- 10 regular envelopes plus 10 more envelopes.
- 1 account and 2 devices.
- 1 year of transaction history.
- Debt tracking and community support.
- Manual transaction workflow; automatic US bank sync is not listed on Free.
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Goodbudget Premium: price and additions
Goodbudget lists Premium at $10 per month or $80 annually. Paying monthly for 12 months totals $120, so the annual option costs $40 less. Prices can change and taxes or regional terms may apply.
- Automatic bank sync for US banks.
- Unlimited regular and more envelopes.
- Unlimited accounts and up to 5 devices.
- 7 years of history, debt tracking and email support.
Which plan fits?
Free is a credible choice for a simple manual budget with one account and no more than two devices. Premium solves specific constraints: US bank sync, additional accounts, more devices, unlimited envelopes and longer history. Upgrade because one of those limits matters, not because of an inaccurate claim that Free stops at 10 envelopes.
Alternatives by workflow
- YNAB: structured zero-based planning, targets, imports and subscription sharing; no permanent free tier.
- Actual Budget: open-source envelope budgeting for users comfortable with hosting and configuration.
- Plan & Multiply: manual 3F envelopes without bank connection. Free includes 3 flexible envelopes and 2 savings goals; Premium raises limits and adds sharing.
Decision checklist
- Count your regular and irregular envelopes separately.
- Count the accounts and devices that need access.
- Decide whether manual entry is acceptable or US bank sync is essential.
- Choose how much transaction history you actually need.
- Verify the current plan page immediately before paying.
Official source
Checked August 12, 2026: Goodbudget plans, prices and limits. Product terms can change.