YNAB Goodbudget EveryDollar Spreadsheets

Wallyo vs Goodbudget

Goodbudget is the original digital envelope app and shares Wallyo's manual-entry philosophy. The differences are in the rhythm, the privacy model, and how much attention each envelope gets.

Rival details as publicly listed in September 2026. Prices and features change; check their site before deciding.

Wallyo

Goodbudget

Budget period

✓Budgets run on your pay cycle: monthly, bi-weekly, every 15 days or custom.

–Monthly, semi-monthly, weekly and more per envelope; not one shared pay cycle.

Method

✓Envelopes with rings, or 50/30/20 bands. Switch any time.

–Envelopes only.

Adding expenses

–Manual, fast keypad with merchant and category memory. No bank sync.

–Manual entry; bank import limited to file upload.

Privacy

✓Data lives on your phone. No account, no servers. Optional backup to your own iCloud or Drive.

–Cloud account; data synced through Goodbudget servers.

Offline

✓Fully offline.

✓Works offline and syncs later.

Price

✓Free tier with 3 envelopes and 4 cycles. Pro is a one-time purchase.

–Free plan with limited envelopes; Plus around $10/month or $80/year.

Bills

✓Bills draw from envelopes so the held amount is already out of "left to spend".

–Scheduled transactions; no envelope hold on upcoming bills.

End-of-cycle review

✓A short end-of-cycle retro every cycle.

–Reports; no guided recap.

Platforms

–iOS and Android. No web app yet.

✓iOS, Android and web.

✓Strong–Partial×Missing

Pick Wallyo if

You want one pay cycle driving everything, rings you can read at a glance, and no account at all.

Pick Goodbudget if

You budget with a household across many devices, or you need a web version.

Try it for one pay cycle.

Free, offline, nothing to connect. If it doesn't stick, export your data and go.