Goodbudget is a digital envelope budget: you split your income into envelopes and spend from them, alone or with your household. Its automatic bank sync covers US banks only, so in Canada both apps work from manual entry and files. Xpenses skips envelopes and shows what you will have at the end of the month from your recurring bills and income. If envelope budgeting is your method, Goodbudget is built for it.
| Goodbudget | Xpenses | |
|---|---|---|
| Price | Free; Premium $10/month or $80/year (the page does not state the currency) | Free plan; Pro $4.99/month or $44.99/year, plus applicable sales tax |
| Free plan limits | 20 envelopes (10 regular, 10 more), 1 account, 2 devices, 1 year of history | One bank account; no limit on items or history |
| Platforms | Web, Android and iPhone | Web app on any device; iPhone and Android apps in preparation |
| Sharing | Syncs and shares a household budget between devices: 2 on free, 5 on Premium | Pro covers a shared wallet for two |
| Bank connection | Manual entry or file import; automatic bank sync is Premium and limited to US banks | No bank connection needed: manual entry, statement import or photos of your banking app read on the device |
| File import | QFX and OFX; CSV for advanced users | CSV, OFX, QFX, QIF and CAMT statements |
| French | Canadian App Store listing: English only | English and French |
Goodbudget is the better fit if…
Goodbudget suits people who budget with envelopes, want a free plan that syncs between two devices, and share one budget across up to five devices on Premium.
Xpenses is the better fit if…
Xpenses suits people who want the month-end figure rather than envelopes, more statement formats (QIF and CAMT), French, and Pro at $44.99 a year in Canadian dollars.
Sources
- Goodbudget plans (sign-up page) (2026-10-12)
- Goodbudget help: Import (2026-10-12)
- Goodbudget on the App Store (Canada) (2026-10-12)
Xpenses prices and features as of October 11, 2026.