Goodbudget

Goodbudget doesn’t connect to any bank, and that’s the point rather than a missing feature. The app rebuilds the classic cash-envelope system on a phone: you set up envelopes for rent, groceries, gas, and whatever else fits your life, fund them at the start of the month, and log each purchase against the right envelope as you spend. Because nothing imports automatically, every entry is one you made on purpose, which some people find slows down impulse spending in a way automatic syncing never did for them.

The free plan caps you at a limited number of envelopes and one or two devices, enough to try the method without paying. Goodbudget Plus, roughly $8 a month or $70 billed annually, removes the envelope limit and syncs the budget across every device in a household, so two people can fund and spend from the same envelopes from separate phones. It fits people who’ve tried bank-synced apps and found the automation more distracting than helpful, plus anyone managing a household budget with a partner.