Goodbudget is a digital envelope budget that syncs between devices, so a household can share it; you enter spending or import bank files. Xpenses also works without a bank link, and focuses on recurring bills, income and what will be left at month end. If you budget with envelopes, Goodbudget is built for that.
| Goodbudget | Xpenses | |
|---|---|---|
| Price | Free; Premium $10/month or $80/year | Free plan; Pro $3.99/month or $34.99/year |
| Free plan limits | 20 envelopes (10 regular, 10 more), 1 account, 2 devices, 1 year of history | 1 bank account, month-end forecast, one-tap paid, export |
| Platforms | Web, Android and iPhone | Web app on any device; iPhone and Android apps in preparation |
| Sharing | Syncs 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 | No bank connection needed: manual entry, statement import or photos of your banking app read on the device |
| File import | QFX, OFX and CSV | CSV, OFX, QFX and QIF statements |
Goodbudget is the better fit if…
Goodbudget suits couples and families who budget with envelopes and want the same budget synced on several devices.
Xpenses is the better fit if…
Xpenses suits people who think in bills and paydays rather than envelopes and want to see what is left at month end, with Pro at $34.99 a year.
Sources
- Goodbudget sign-up and plans (2026-10)
- Goodbudget home page (2026-10)
- Goodbudget help: Manually import transaction information from your bank (2026-10)
Xpenses prices and features as of October 11, 2026.