Money Tree
Money Tree vs Goodbudget
Goodbudget is a shared envelope budget that works without linking a bank. Money Tree connects your bank read-only and builds the habit with Safe to Spend, streaks and goals.
Last reviewed
At a glance
| Feature | Money Tree | Goodbudget |
|---|---|---|
| Price | A 7-day trial, then Plus as a monthly or yearly subscription; the store shows the price in your currency. | Premium is USD 10 a month or USD 80 a year. |
| Plans and trial | No. Every account starts with a 7-day trial of everything, then Plus is a subscription. | Yes, a permanent free plan: 10 regular envelopes, 10 annual or goal envelopes, one account, two devices and one year of history. |
| Bank connections | Automatic, read-only sync through secure bank data providers. Connect as many banks as you like. | The free plan is manual entry. Premium adds automatic bank sync for US banks only. |
| Platforms | iPhone, Mac and Android, from the App Store and Google Play. | Web, iOS and Android. |
| Budgeting style | Safe to Spend for today, category budgets with suggested limits, savings goals and a pay-period planner. | Envelope budgeting: split income into virtual envelopes and spend from them. |
| Where it works | Wherever its bank data providers cover your bank. The app shows the regions it supports when you connect. | Anywhere with manual entry. Automatic bank sync works only with US banks. |
Where Goodbudget is stronger
- A household can share one envelope budget across devices.
- A permanent free plan.
- Works without linking a bank at all.
- Debt tracking on both free and paid plans, and a web app.
Where Money Tree is different
- Transactions arrive automatically from a read-only bank connection, with no typing.
- Safe to Spend gives you one number for what you can spend today.
- Net worth and recurring payment reminders alongside your budgets.
- Daily streaks, XP, coins and private leaderboards with friends make checking in a habit.
Which should you choose?
Choose Goodbudget if you want the envelope method, prefer not to link a bank, or share one budget with a partner.
Choose Money Tree if you would rather your transactions arrive automatically and want Safe to Spend, a 30-day cash-flow forecast on Plus and goals.
Looking for a Goodbudget alternative? See what switching involves.
Questions
How does Money Tree's price compare with Goodbudget?
Money Tree has a 7-day trial of everything, with nothing held back. Goodbudget: Yes, a permanent free plan: 10 regular envelopes, 10 annual or goal envelopes, one account, two devices and one year of history.
Does Goodbudget connect to my bank?
The free plan is manual entry. Premium adds automatic bank sync for US banks only. Money Tree: Automatic, read-only sync through secure bank data providers. Connect as many banks as you like.
Which apps can I use Goodbudget on?
Web, iOS and Android. Money Tree: iPhone, Mac and Android, from the App Store and Google Play.
Sources
Checked on 6 October 2026. Prices and features change; check each provider before you decide.
- https://goodbudget.com/help/billing/subscribe-to-goodbudget/ (pricing, free plan limits, bank sync, platforms, availability, debt tracking)
- https://goodbudget.com/help/getting-started-guide/step-1-add-envelopes/ (envelope budgeting)
- https://apps.apple.com/app/id6794328903 (Money Tree features, Plus and the 7-day trial)
Goodbudget is a trademark of its owner. Money Tree is not affiliated with or endorsed by Goodbudget. This page compares publicly available information and is not financial advice.