Budgeting comparison
Fifecta vs Goodbudget
Updated
Data as of
Fifecta checked Goodbudget checked
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Fifecta
Budgeting app
Visit site for Fifecta (opens in a new tab)
Goodbudget
Budgeting app
Visit site for Goodbudget (opens in a new tab)
Short answer
- Pick Fifecta if you want business spending tracked next to personal spending.
- Pick Goodbudget if you want a free version or an app from the App Store.
- The biggest difference is price: Goodbudget has a free version, and Fifecta lists $15 a month.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Fifecta vs Goodbudget at a glance
- Fifecta
- Price
- $15a month
- Free trial
- 7 days
- Rating
- Not ratedWeb app, not in app stores
- Platforms
- 3Web, iPhone (home screen install), Android (home screen install)
- Goodbudget
- Price
- $10a month, or a free version
- Free trial
- None
- Rating
- 4.6 of 5App Store, 13,528 ratings
- Platforms
- 3Web, Android, iPhone
What it costs
- Fifecta
$15a month
Fifecta costs $15 a month or $150 a year.
$150 a year at the yearly list price, or $450 over 3 years, before tax.
Source
pricelesstay.com/fifecta, checked . - GoodbudgetLower price
$10a month
Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.
$80 a year at the yearly list price, or $240 over 3 years, before tax.
Source
goodbudget.com/signup, checked .
Bars compare each app's yearly list price. "Lower price" marks the lowest monthly price the sources list. It's a number, not our pick. Prices are list prices from each app's own page, before tax and any offer.
Features
| Feature | Fifecta | Goodbudget |
|---|---|---|
| Savings goals | Yes | Yes |
| Shared budgets | Yes | Yes |
| Data export | Yes | Yes |
Fifecta also lists AI features, investment tracking and API or MCP access.
Sources for these features
Yes means the official site lists it. No means the official site says the app doesn't have it.
- Fifecta: pricelesstay.com/fifecta-ai, checked Nov 3, 2026.AI features: Ask Penny: plain-English questions answered from your own numbers; monthly allowance resets on the 1st. pricelesstay.com/fifecta, checked Nov 3, 2026.Savings goals: Goals with a monthly savings number. pricelesstay.com/fifecta, checked Nov 3, 2026.Shared budgets: Invite a partner to share your budget; they can see and edit your plan, transactions and goals. pricelesstay.com/fifecta-terms, checked Nov 3, 2026.Investment tracking: Net worth includes investment accounts. pricelesstay.com/fifecta, checked Nov 3, 2026.Data export: Export from Settings, then Your data. Format not stated. pricelesstay.com/fifecta-terms, checked Nov 3, 2026.API or MCP: Connect your own AI assistant, such as Claude or ChatGPT: 'it can read your Fifecta data but can't change it.' Disconnect it in Settings, Your data, Connected apps. pricelesstay.com/fifecta-terms, checked Nov 3, 2026.
- Goodbudget: goodbudget.com/what-you-get, checked Nov 3, 2026.Savings goals: Goal Envelopes take a budget amount and a due date, and Annual Envelopes save for yearly costs. 'With the Free version of Goodbudget, you'll be able to track up to 10 More Envelopes for savings or goals.' Premium is unlimited. goodbudget.com/help/customize-your-goodbudget/goals-and-annuals, checked Nov 3, 2026.Data export: Export CSV from the Transactions list. goodbudget.com/help/customize-your-goodbudget/export-transactions, checked Nov 3, 2026.
Fifecta and Goodbudget, side by side
| Detail | FifectaOur app | Goodbudget |
|---|---|---|
| Free trialDiffers | FifectaFifecta is free for 7 days, and you can cancel anytime in the app. Sourcepricelesstay.com/fifecta, checked . | GoodbudgetGoodbudget says it isn't offering trials of Premium. There is a Free Forever plan, and you can ask for a refund within the first 30 days of a subscription. Sourceforums.goodbudget.com/t/premium-level/2994, checked . |
| PlatformsDiffers | FifectaFifecta lists Web, iPhone (home screen install) and Android (home screen install). Sourcepricelesstay.com/fifecta, checked . | GoodbudgetGoodbudget lists Web, Android and iPhone. Sourcegoodbudget.com/signup, checked . |
| Bank syncingDiffers | FifectaOptional. Fifecta connects banks through Plaid with read-only access, and you can type your income and spending in by hand instead. Sourcepricelesstay.com/fifecta, checked . | GoodbudgetPremium only. Goodbudget Premium includes automatic bank sync for US banks only, and the free version does not list it. Sourcegoodbudget.com/signup, checked . |
| App store ratingDiffers | FifectaWeb app, not in app stores. Sourcepricelesstay.com/fifecta, checked . | GoodbudgetGoodbudget has 4.6 out of 5 on the App Store from 13,528 ratings. SourceApp Store listing, checked . |
Fifecta is our own app. Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Store ratings are a dated snapshot from each listing, not our score. A row shows only when both apps have a current official source for it. How we source and date this data. Spotted a change? Tell us if something changed.
Weighing a third option? Add up to two more apps and compare up to four side by side.
Screen by screen
Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.
Home
Fifecta
From Fifecta's websiteThe Fifecta app Home screen on a phone: "Good evening, Jordan," $1,223.72 left in October ($4,800.00 came in, $3,576.28 spent), a Today card with 9 transactions to sort, and a 2-minute money check with Home, Planner and Wealth tabs at the bottom.fifecta.pricelesstay.com, as of 
From Fifecta's websiteA Fifecta month card for October, Day 10 of 31: $1,845.67 left after spending this month, with Fixed, Unexpected, Needs, Desires and Stash progress bars, Desires marked Over plan, a Scrambler Money Type note and an All 9 charges sorted chip.pricelesstay.com, as of 
From Fifecta's website$1,223.72 left in October, with $4,800.00 came in and $3,576.28 spent, and a Today button for 9 transactions to sort.fifecta.pricelesstay.com, as of 
From Fifecta's websiteOctober, Day 10 of 31: $1,845.67 left after spending this month.pricelesstay.com, as of
Goodbudget
No official screen found yet
Accounts
Fifecta
No official screen found yet
Goodbudget
App Store marketing imageApp Store image with the headline "Connect your bank (with a Premium subscription)" showing a Select Account screen.App Store listing, as of 
App Store marketing imageA Select Account screen for linking a bank account to Checking, with an Add New Bank Connection link.App Store listing, as of
Transactions
Fifecta
From Fifecta's websiteAssign transactions with an All sorted chip, a green check mark and "Every charge has a bucket."pricelesstay.com, as of
Goodbudget
App Store marketing imageApp Store image with the headline "Practice conscious spending" showing an Add Transaction form.App Store listing, as of 
App Store marketing imageAn Add Transaction form with Type, Payee, Amount, Envelope, Account, Date and Schedule fields.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Practice conscious spending" showing the Android Add Transaction form.Google Play listing, as of
Budget
Fifecta
From Fifecta's websiteThe Fifecta Planner on a phone: October, Day 14 of 31, $1,223.72 left after spending this month, Month, Paycheck and Week views, 9 transactions to sort, and income lines for Salary, Commission and Side consulting.fifecta.pricelesstay.com, as of 
From Fifecta's websiteA paycheck plan: Paycheck $693.76 left to plan, with Fixed $831.24, Unexpected $150.00, Needs $385.00, Desires $140.00 and Stash $200.00.pricelesstay.com, as of 
From Fifecta's websiteDay 14 of 31: $1,223.72 left after spending this month ($4,800.00 came in, $3,576.28 spent, $2,322.48 bills), with a Month, Paycheck and Week switch.fifecta.pricelesstay.com, as of 
From Fifecta's websiteIncome: Salary $4,200.00 on track, Commission marked Variable, Side consulting $600.00 on track, and Add income.fifecta.pricelesstay.com, as of 
From Fifecta's websiteBucket bars: Fixed $1,607.48 of $1,662.48, Unexpected $0.00 of $300.00, Needs $554.18 of $770.00, Desires $392.67 of $280.00 marked Over plan, and Stash $400.00 of $400.00.pricelesstay.com, as of 
From Fifecta's websiteA green Paycheck bar reading $693.76 left to plan.pricelesstay.com, as of
Goodbudget
App Store marketing imageApp Store image with the headline "Sync & share a budget" showing the Envelopes screen with Food, Fun and Bills envelopes and progress bars.App Store listing, as of 
App Store marketing imageThe Envelopes screen with envelope groups, amounts left and bars, and a bottom tab bar.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Create a budget that works" showing an Edit Budget screen.App Store listing, as of 
App Store marketing imageAn Edit Budget screen listing envelopes with amounts, an Add Envelope link and Total Budgeted 1508.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Choose your style" showing the Envelopes screen in dark mode.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Sync & share a budget" showing the Android Envelopes screen.Google Play listing, as of 
Google Play marketing imageGoogle Play image with the headline "Plan before you spend" showing the Android Fill Envelopes screen.Google Play listing, as of
Categories
Fifecta
From Fifecta's websiteA diagram of a Paycheck, take-home pay, branching into Fixed (rent, bills, insurance), Unexpected (your emergency fund), Needs (groceries, gas, copays), Desires (guilt-free fun money) and Stash (investing and goals).pricelesstay.com, as of 
From Fifecta's websiteA Without a plan and With FUNDS slider: on one side loose labels like Rent, Coffee and Car repair under "Four days after payday: where did it go?", on the other every purchase in a bucket, such as Coffee and Concert tickets under Desires.pricelesstay.com, as of 
From Fifecta's websiteWith FUNDS: "Every purchase has a bucket" with Fixed (rent, phone bill), Unexpected (car repair), Needs (groceries), Desires (coffee, concert tickets) and Stash (savings).pricelesstay.com, as of
Goodbudget
No official screen found yet
Goals
Fifecta
No official screen found yet
Goodbudget
App Store marketing imageApp Store image with the headline "Track your debt progress" showing a Debt Progress chart for a car loan.App Store listing, as of 
App Store marketing imageA Debt Progress report with a payoff line to 2026 and a table showing the car loan balance and finish date.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Save for big expenses" showing a Vacation envelope with its history.App Store listing, as of 
App Store marketing imageA Vacation envelope with 2,000.00 saved and a dated list of fills and income.App Store listing, as of
Reports and insights
Fifecta
From Fifecta's websiteYour 2-minute money check, 2 to look at: "Desires is $112.67 over," "Give $192.52 a job" and a checked "Goal money is in savings," with a Done for this week button.fifecta.pricelesstay.com, as of 
From Fifecta's websiteA Your Money Type note for Scrambler: "First fix: Bills First. On payday, pay the bills, or set aside the money for them, before anything else."pricelesstay.com, as of
Goodbudget
App Store marketing imageApp Store image with the headline "See your spending" showing a Spending report pie chart for May 2024.App Store listing, as of 
App Store marketing imageA Spending report with a pie chart, total spending of 628.57 and a table of envelopes by share.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Stay on budget" showing an Income vs Spending report with monthly bars.App Store listing, as of 
App Store marketing imageAn Income vs Spending report with paired monthly bars and a table of income, spending and net.App Store listing, as of
Bills and recurring
Fifecta
From Fifecta's websiteThe Fifecta Calendar for October 2026 on a phone: $4,800.00 coming in, $1,662.48 in bills with a due day, a note that checking stays above zero this month, and a month grid with money in and out on each day.fifecta.pricelesstay.com, as of 
From Fifecta's websiteComing in $4,800.00, bills with a due day $1,662.48 plus $660.00 with no day yet, and "Checking stays above zero this month. Lowest point: about $6,185.00 on Oct 25."fifecta.pricelesstay.com, as of 
From Fifecta's websiteA month grid with money in shown in green and money out in red on each day, and a key: past days show what you spent, coming days are estimates from your plan, and shaded days are when checking could run short.fifecta.pricelesstay.com, as of
Goodbudget
No official screen found yet
Getting started
Fifecta
From Fifecta's websiteA Money Type picker with Spender, Saver, Scrambler and Strategist, Scrambler selected, and its first fix: "Bills First. Pay the bills on payday, before anything else."pricelesstay.com, as of
Goodbudget
No official screen found yet
Other screens
Fifecta
No official screen found yet
Goodbudget
App Store marketing imageThe bottom tab bar with Envelopes, Transactions, Accounts, Reports and More.App Store listing, as of
Who it's for
Pick the tab that sounds like you. Every answer comes from the app's own pages, and its source opens from the Source link.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
Fifecta: Fifecta costs $15 a month or $150 a year.
Source
pricelesstay.com/fifecta, checked .Goodbudget: Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.
Source
goodbudget.com/signup, checked .Does it connect to my bank and import transactions?
Fifecta: Optional. Fifecta connects banks through Plaid with read-only access, and you can type your income and spending in by hand instead.
Source
pricelesstay.com/fifecta, checked .Goodbudget: Premium only. Goodbudget Premium includes automatic bank sync for US banks only, and the free version does not list it.
Source
goodbudget.com/signup, checked .Can I export my data?
Fifecta: Yes. You can export your data.
Source
In their words: “Export a copy in Settings, then Your data, before then.” pricelesstay.com/fifecta, checked .Goodbudget: Yes. You can export your data.
Source
In their words: “To export your transaction history in Goodbudget, click on the "Export CSV" link that's above the Transactions list.” goodbudget.com/help/customize-your-goodbudget/export-transactions, checked .Is there support from the app's makers if I need help?
Fifecta: Yes. Contact form.
Source
In their words: “Questions about these terms? Use our contact form.” pricelesstay.com/fifecta-terms, checked .Goodbudget: Yes. Community (Free) and email (Premium).
Source
In their words: “Email support” goodbudget.com/signup, checked .
Partners
Sharing money with a partner? Here's how each app handles a second person.
Can my partner use their own login details?
Fifecta: Joint accounts, yes. The source doesn't say your partner gets a separate login.
Source
In their words: “You can invite a partner to share your budget. They will be able to see and edit your plan, transactions, and goals, and see the rest of your money in Fifecta.” pricelesstay.com/fifecta-terms, checked .Goodbudget: No. Your partner signs in to your same account.
Source
In their words: “If you've already done that, you'll be able to share your budget with your partner by having them login to Goodbudget on their device using the same username / email address and password you created when you registered.” goodbudget.com/help/mobile-apps/share-budget-w-partner, checked .Can we set up joint budgets and goals?
Fifecta: Yes. You can work toward goals together.
Source
In their words: “They will be able to see and edit your plan, transactions, and goals” pricelesstay.com/fifecta-terms, checked .Goodbudget: Yes. You can work toward goals together.
Source
In their words: “When you do that, you'll both be able to add transactions, and make changes to your budget as needed.” goodbudget.com/help/mobile-apps/share-budget-w-partner, checked .
Family
Bringing in more of the household? Here's what each app says about families and kids. See apps with custodial accounts for kids.
Does it have accounts or features for kids or teens?
Fifecta: No.
Source
In their words: “You must be at least 18 and able to agree to these terms.” pricelesstay.com/fifecta-terms, checked .Goodbudget: No.
Source
In their words: “The Services are intended solely for users who are eighteen (18) years of age or older.” goodbudget.com/terms-of-use, checked .
Freelancer
Paid on an uneven schedule or running a side hustle? Here's what each app offers. See apps with a SEP IRA or Solo 401(k).
Can I track irregular income without messing up my monthly budget?
Fifecta: Yes. It has official guidance for budgeting irregular income.
Source
In their words: “For pay that changes, like commission, tips or gig work, Fifecta looks at your last three full months and suggests planning on the lowest one.” pricelesstay.com/fifecta, checked .Goodbudget: Yes. It has official guidance for budgeting irregular income.
Source
In their words: “If you get small or irregular paychecks, you can let them collect in Available.” goodbudget.com/help/budgeting-with-goodbudget/unallocated-money, checked .Can I mix business and personal expenses in this app?
Fifecta: Yes. You can track business spending next to personal spending.
Source
In their words: “Mark each bank account or card as household, business, or both, and business charges stay out of your household plan.” pricelesstay.com/fifecta, checked .Goodbudget: No.
Source
In their words: “Organizations, companies, and/or businesses may not use the Services for any purpose other than those contemplated in this Terms of Use or Privacy Policy.” goodbudget.com/terms-of-use, checked .Can I export my transactions for tax prep?
Fifecta: Yes. You can export your transactions for tax prep.
Source
In their words: “download your business charges and mileage as CSV files to give your tax preparer” pricelesstay.com/fifecta, checked .Goodbudget: Yes. You can export your transactions for tax prep.
Source
In their words: “we can give you a few pointers on how to use Goodbudget reports alongside your tax software so the process is a little smoother” goodbudget.com/blog/2026/03/gb-bulletin-gb-cant-file-your-taxes-for-you, checked .
Business
Running a small business? Here's what each app says about business money.
Can I mix business and personal expenses in this app?
Fifecta: Yes. You can track business spending next to personal spending.
Source
In their words: “Mark each bank account or card as household, business, or both, and business charges stay out of your household plan.” pricelesstay.com/fifecta, checked .Goodbudget: No.
Source
In their words: “Organizations, companies, and/or businesses may not use the Services for any purpose other than those contemplated in this Terms of Use or Privacy Policy.” goodbudget.com/terms-of-use, checked .Can I export my transactions for tax prep?
Fifecta: Yes. You can export your transactions for tax prep.
Source
In their words: “download your business charges and mileage as CSV files to give your tax preparer” pricelesstay.com/fifecta, checked .Goodbudget: Yes. You can export your transactions for tax prep.
Source
In their words: “we can give you a few pointers on how to use Goodbudget reports alongside your tax software so the process is a little smoother” goodbudget.com/blog/2026/03/gb-bulletin-gb-cant-file-your-taxes-for-you, checked .Can I share my finances with my accountant?
Fifecta: Yes. You can export your data and send the file.
Source
In their words: “Export a copy in Settings, then Your data, before then.” pricelesstay.com/fifecta, checked .Goodbudget: Yes. You can export your data and send the file.
Source
In their words: “To export your transaction history in Goodbudget, click on the "Export CSV" link that's above the Transactions list.” goodbudget.com/help/customize-your-goodbudget/export-transactions, checked .
A question shows only when every app here has a current official source that answers it. We only say no when the app's own page does.
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistFifecta lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
First fix: Save the Raise.
SpenderBoth Fifecta and Goodbudget list goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
First fix: Sleep on It.
SaverNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Put It to Work.
ScramblerBoth Fifecta and Goodbudget list bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
FAQ
How much does Fifecta cost?
Fifecta costs $15 a month or $150 a year. We checked this on Nov 3, 2026.
How much does Goodbudget cost?
Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year. We checked this on Nov 3, 2026.
Does Fifecta have a free trial?
Fifecta is free for 7 days, and you can cancel anytime in the app. We checked this on Nov 3, 2026.
Does Goodbudget have a free trial?
Goodbudget says it isn't offering trials of Premium. There is a Free Forever plan, and you can ask for a refund within the first 30 days of a subscription. We checked this on Nov 3, 2026.
More comparisons
Similar comparisons
Keep comparing
- See Goodbudget alternatives, closest category first.
- Browse our guide to the best budgeting apps.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and confidence
- Last checked
- Sourced facts
- 12 facts, each linked and dated
FifectaOur app6 sourced facts, last checked Nov 3, 2026
- Price and feespricelesstay.com/fifecta, as of Nov 3, 2026
- Free trialpricelesstay.com/fifecta, as of Nov 3, 2026
- Platformspricelesstay.com/fifecta, as of Nov 3, 2026
- Bank syncingpricelesstay.com/fifecta, as of Nov 3, 2026
- Featurespricelesstay.com/fifecta-ai, as of Nov 3, 2026
- App store ratingpricelesstay.com/fifecta, as of Nov 3, 2026
Goodbudget6 sourced facts, last checked Nov 3, 2026
- Price and feesgoodbudget.com/signup, as of Nov 3, 2026
- Free trialforums.goodbudget.com/t/premium-level/2994, as of Nov 3, 2026
- Platformsgoodbudget.com/signup, as of Nov 3, 2026
- Bank syncinggoodbudget.com/signup, as of Nov 3, 2026
- Featuresgoodbudget.com/what-you-get, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
Fifecta is our own app. Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than 30 days, it comes off the page until we check it again. How we source, date and index this data.
This is education, not financial advice.
