EnvelopiaEverything you need is free. Everything else costs less.
Envelopia against five popular budgeting apps, feature by feature. Unlimited envelopes and accounts, the phone app and the website, and partner sharing are all free, forever.
Swipe the table sideways to see every app.
| Feature | Envelopia | Goodbudget | EveryDollar | YNAB | Monarch | RealBudget |
|---|---|---|---|---|---|---|
| Plans and price | ||||||
| Free plan | Free forever | Free forever | Free forever | No free plan | No free plan | Free forever |
| Envelopes on the free plan | Unlimited | 20 (10 monthly + 10 other) | Unlimited | No free plan | No free plan | Unlimited |
| Accounts on the free planChecking, savings, cash, credit cards | Unlimited | 1 | Checking or cash only, no cards | No free plan | No free plan | No accounts |
| History on the free plan | 2 years | 1 year | All months (web) | No free plan | No free plan | No stated limit |
| Free trial of the paid plan | 30 days, every feature | None (30-day refund) | 14 days | 34 days | 7 days, card required | 14 to 30 days |
| Paid plan, per month | $4.99 | $8 to $10 | $17.99 | $14.99 | $14.99 (Plus is yearly only) | $3 to $10 |
| Paid plan, per year | $39.99 | $70 to $80 | $79.99 | $109 | $99.99 to $199.99 | $36 to $120 (monthly billing) |
| Pay once, own it foreverFounder’s offer: until 3/31/2027 or the first 1,000 buyers | $89.99 Founder’s lifetime | No | No | No | No | No |
| Everyday budgeting | ||||||
| Envelope or zero-based budgetingEvery dollar gets a job | Both, your choice | Envelopes | Zero-based | Zero-based | Plan vs. actual | Envelopes |
| Leftover money rolls over by itself | Yes | Yes | Only items made a "Fund" | Paid | Off unless turned on, per category | By hand each month |
| One-tap fix when an envelope goes negativeCover it from another envelope | Yes | No | No | Paid | Paid | No |
| Website included | Free | Yes | Yes | Paid | Paid | Yes |
| Share with a partner | Free, own sign-in | One shared login, 2 devices | Yes | PaidUp to 6 people | PaidPartner free with plan | Paid$3/month |
| Mine, yours and ours envelopesIn a shared budget | Free | No | No | No | PaidPersonal and shared views | No |
| Two ways to handle credit cardsCount it when you swipe, or when you pay the bill | Your choice, per card | PaidNeeds a 2nd account | No card accounts | PaidOne method | PaidTracking only | No cards |
| Weekly, biweekly or twice-monthly budgets | Yes | Yes | Monthly only | Monthly only | Monthly only | Yes |
| Bills and paychecks on repeatIncluding the 1st and 15th | Yes | No 1st & 15th | PaidMonthly only | PaidCan’t pick the two days | Paid | Paychecks only |
| Bill reminders | Yes | Phone app | No | No | No | |
| Bills calendarPaid, missed and coming up, every date shown | Yes | No | PaidTimeline | No | Paid | No |
| Cash envelope helperWhich bills to withdraw for each cash envelope | Yes | No | No | No | No | No |
| Split a purchase across envelopes | Yes | Yes | Yes | Paid | Paid | Paid$10/month plan |
| Reconcile with your statement | Yes | Yes | No | Paid | Review only | No |
| Works without a bank login | Yes | Yes | Yes | Paid | Paid | Yes |
| Switching and safety | ||||||
| Import your bank filesCSV, QFX, OFX | Free | QFX, OFX | No | Paid | PaidCSV only | No |
| Bring your budget from another app | Goodbudget, YNAB, EveryDollar, Monarch and more | No | No | PaidTransactions only | PaidCSV from any app | No |
| Check your balances after switchingSide by side with the old app, one-tap fix | Yes | No | No | No | No | No |
| Undo any change, plus Recently deletedPut back anything for 30 days | Yes | No | No | PaidUndo on the website only | No | No |
| Export all your data | Full backup file + CSV | Transactions only | PaidOne month at a time | Paid | PaidNo budget export | Transactions only |
| Export your budget itselfEnvelopes, plans, bills and accounts as spreadsheets | Yes | No | PaidMonthly plan file | PaidPlan file | No | No |
| Fingerprint or PIN lock | Yes | iPhone Face ID only | Sign-in only | PaidPhone only | Not on the website | No |
| Home-screen widget | Yes | Being removed on Android | No | Paid | Paid | No |
| No ads | Yes | Yes | PaidFree plan shows upgrade ads | Paid | Paid | Yes |
Checked hands-on in each app with test data, plus each company's own website and help pages, October 2026. Their plans and prices can change. Prices are standard US list prices; promotions not shown. "Paid" means the feature needs that app's paid plan. YNAB and Monarch have no free plan, so every feature there is paid.
Goodbudget, EveryDollar, YNAB, Monarch and RealBudget are trademarks of their owners. Envelopia is not affiliated with them.
Envelopia Plus: extras for planners
Everything in the table above stays free. Plus adds tools for looking ahead. Try all of it free for 30 days, no card needed. If you don't keep Plus, everything you made stays, and only the extras pause. One Plus covers everyone in a shared budget.
- Cash-flow forecast: your balances day by day ahead
- Debt payoff planner: snowball or avalanche, with your debt-free date
- Advanced reports: trends, payees and envelope history
- Receipt photos, on every device
- Net worth: what you own minus what you owe, over time
- Unlimited history (the free plan shows the last 2 years; older entries are kept safe)
$4.99 a month or $39.99 a year. Founder's lifetime: $89.99 once, until 3/31/2027 or the first 1,000 buyers.
See pricing