Software · head to head
Goodbudget vs Banktivity
The short version
- Only Goodbudget has a free tier, so it costs nothing to try first.
- Each has a real cost: Goodbudget free plan is capped at 10 regular envelopes, 10 more envelopes, 1 account, 2 devices and 1 year of history; Banktivity runs on macOS, iPhone and iPad only, with no Windows, Android or web version
- They diverge on capability: Goodbudget covers Envelope budgeting, Banktivity covers Account tracking.
Where they differ
Only the attributes on which Goodbudget and Banktivity actually diverge.
| Attribute | Goodbudget | Banktivity |
|---|---|---|
| Starting price | Free | On request |
| Pricing model | freemium | subscription |
| Free tier | Yes | No |
| Platforms | Web, IOS, Android | Mac, IOS |
| Founded | 2012 | 2007 |
Identical on both: user rating (Not yet rated), category (Unknown).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Goodbudget
- Envelope budgeting
- Shared budgets
- Receipt scanning
- Expense tracking
- Web support
- Android support
Only in Banktivity
- Account tracking
- Bill management
- Investment tracking
- Budget forecasting
- Investment accounts
- Mac support
Both cover
- Bank accounts
- IOS support
What people use each for
The jobs each tool is most often brought in to do.
Goodbudget
- Envelope method budgetingnot Banktivity
- Sharing a household budget across a couple's devicesnot Banktivity
- Tracking debt payoff alongside envelopesnot Banktivity
Banktivity
- Personal budgeting and money management on a Macnot Goodbudget
- Investment and net worth trackingnot Goodbudget
- Retirement planning projectionsnot Goodbudget
- Connecting to over 14,000 financial institutionsnot Goodbudget
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Goodbudget
- Free plan is capped at 10 regular envelopes, 10 more envelopes, 1 account, 2 devices and 1 year of history
- Automatic bank sync is Premium only and works with US banks only
- Premium is limited to 5 devices and 7 years of history
- Free plan gets community support only; email support requires Premium
- Premium costs $10 per month or $80 per year
Banktivity
- Runs on macOS, iPhone and iPad only, with no Windows, Android or web version
- Pricing is not shown on the product page and sits behind a separate plans page
Pricing, plan by plan
Goodbudget
Free- FreeFree
- 10 envelopes
- Basic tracking
- Plus$5.99/month
- Unlimited envelopes
- Advanced reports
- Receipt capture
Banktivity
On request- Monthly$4.99/month
- Full feature access
- Cloud sync
- Annual$39.99/month
- All monthly features
- Discounted rate
Which should you pick?
Choose Goodbudget if
- You need envelope budgeting.
- You want to start without paying.
- You work on Web, IOS, Android.
- You also want shared budgets.
Choose Banktivity if
- You need account tracking.
- You work on Mac, IOS.
- You also want bill management.
Questions people ask
- Is Goodbudget or Banktivity better?
- Neither clearly leads. Goodbudget starts at Free and Banktivity at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Goodbudget or Banktivity?
- Goodbudget has a free tier; the other does not. Paid plans start at Free for Goodbudget and On request for Banktivity.
- Does Goodbudget or Banktivity run on more platforms?
- Goodbudget runs on Web, IOS, Android. Banktivity runs on Mac, IOS.
- Can I use Goodbudget for free?
- Yes. Goodbudget has a free tier, so you can try it without paying. Banktivity starts at On request.
- What is Goodbudget best used for?
- Goodbudget is most often used for envelope method budgeting, sharing a household budget across a couple's devices, tracking debt payoff alongside envelopes. Of those, envelope method budgeting and sharing a household budget across a couple's devices are not what Banktivity is typically brought in for.
- What can Goodbudget do that Banktivity cannot?
- Goodbudget covers Envelope budgeting, Shared budgets, Receipt scanning, Expense tracking. Banktivity covers Account tracking, Bill management, Investment tracking, Budget forecasting. Both handle Bank accounts, IOS support.
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