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Software · head to head

Goodbudget vs Banktivity

Goodbudget logo

Goodbudget

Software

Digital envelope budgeting app

From
Free
Rated
-
Banktivity logo

Banktivity

Software

Personal finance for Mac and iOS

From
On request
Rated
-

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.

Attributes where Goodbudget and Banktivity differ
AttributeGoodbudgetBanktivity
Starting priceFreeOn request
Pricing modelfreemiumsubscription
Free tierYesNo
PlatformsWeb, IOS, AndroidMac, IOS
Founded20122007

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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