Goodbudget

Digital envelope budgeting for people who loved the cash-in-envelopes method but don't carry cash anymore, cheaper than the typical rival at 33% less than YNAB's monthly fee. Goodbudget lets you allocate income into virtual envelopes (groceries, dining, gas, fun money) and tracks spending against each one. When an envelope is empty, you stop spending. The free tier covers 10 envelopes and one account; the $10/month Plus tier adds unlimited envelopes, accounts, and debt tracking. It doesn't sync with banks — you enter transactions manually, which its fans consider a feature, not a bug, despite 50% more manual data entry than the average banking app.