Looking for a Goodbudget alternative? Here's an honest comparison

Last updated: 24 July 2026

Goodbudget deserves credit: it brought the envelope method to phones and has kept it alive for a decade. But two limits push people to look elsewhere — the free tier caps (10 envelopes, 1 account, 1 year of history) and the fact that $10/month still doesn't buy bank sync — you're paying for cloud sync between devices, not automation.

If what you actually want is the envelope method without caps, there's a simpler shape of app: keep everything on the phone, skip the account entirely, and make the method itself free.

How Tuck compares

Goodbudget Free Goodbudget Plus ($10/mo) Tuck Free FREE Tuck Premium ($5.99/mo)
Envelopes10UnlimitedUnlimitedUnlimited
Accounts1UnlimitedUnlimitedUnlimited
History1 year7 yearsUnlimitedUnlimited
Account requiredYesYesNoNo
Works offlinePartly (cloud app)PartlyFullyFully
AdsNoNoNoNo
Recurring auto-fill—Limited—✓
CSV import———✓ (no bank login)
Price$0$120/yr$0$39.99/yr annual

Where Goodbudget is still the better pick

You want envelopes synced live between your phone and your partner's phone via the cloud. Tuck is deliberately single-device-first (export/import backups instead of a synced account) — that's the trade that makes "no account, fully private" possible.

Where Tuck wins

Everything else in the table — and the philosophical bit: your budget isn't on anyone's server, including ours. There's no login to breach and no data to sell.

Try the entire envelope method free — no account, 30-second start

Also comparing against YNAB? Read the honest YNAB alternative comparison, or see everything Tuck does on the Tuck page.