Kinance vs Goodbudget

Goodbudget is built around the envelope method: you split income into envelopes before you spend. Kinance is built around logging what happens and sharing it with the household, with budgets that warn at 80%. Pick Goodbudget if you love envelopes; pick Kinance if your family, kids included, should track together.

Goodbudget facts checked on 29 September 2026 from its own public pages (sources below). Prices and features change; check Goodbudget for the latest.

Side by side

Price: Kinance: Personal $2.99/month, Family $5.99/month (or Rs 390 / Rs 690 in Sri Lanka). Yearly is 10× monthly.; Goodbudget: Free version; Premium US $10/month or $80/year.
Free option: Kinance: 14-day free trial of everything, no card to start.; Goodbudget: Free version with 10 regular and 10 annual envelopes, 1 account, 2 devices, 1 year of history.
Budgeting style: Kinance: Monthly budgets with sub-categories and alerts at 80% and over.; Goodbudget: Envelope budgeting.
Sharing: Kinance: Up to 5 people per workspace on Family, each with their own sign-in and role.; Goodbudget: Share a budget across 2 devices (free) or 5 devices (Premium).
Kids: Kinance: Kids get their own app with Kip, wallets, goal jars, pocket money and limits.; Goodbudget: No kids mode listed.
Bank sync: Kinance: No. Tap, snap a receipt or paste a bank text.; Goodbudget: Premium, US banks only.
Refunds: Kinance: Full refund on request within 14 days of any charge.; Goodbudget: Refund on request within the first 30 days.

Kinance compared with Goodbudget
	Kinance	Goodbudget
Price	Personal $2.99/month, Family $5.99/month (or Rs 390 / Rs 690 in Sri Lanka). Yearly is 10× monthly.	Free version; Premium US $10/month or $80/year.
Free option	14-day free trial of everything, no card to start.	Free version with 10 regular and 10 annual envelopes, 1 account, 2 devices, 1 year of history.
Budgeting style	Monthly budgets with sub-categories and alerts at 80% and over.	Envelope budgeting.
Sharing	Up to 5 people per workspace on Family, each with their own sign-in and role.	Share a budget across 2 devices (free) or 5 devices (Premium).
Kids	Kids get their own app with Kip, wallets, goal jars, pocket money and limits.	No kids mode listed.
Bank sync	No. Tap, snap a receipt or paste a bank text.	Premium, US banks only.
Refunds	Full refund on request within 14 days of any charge.	Refund on request within the first 30 days.

Which one is for you?

Choose Goodbudget if

You already budget with envelopes and want an app for that method.
You are in the US and want bank sync.
A free plan with 10 envelopes covers what you need.

Choose Kinance if

You want to see where money actually went, not only plan where it should go.
Each person in the house should have their own sign-in, and kids their own app.
You want to log from a receipt photo or a bank text in seconds.

Try Kinance free14 days free · No card to start

Questions

Does Kinance do envelope budgeting?

Not as envelopes. Kinance budgets are monthly limits per category, with sub-categories, and everyone’s spending counts toward them. You see a warning at 80% and again if a budget goes over.

Which is better for couples?

Both let a couple share a budget. Kinance gives each partner their own sign-in and adds kids with their own app; Goodbudget shares one budget across devices.

How current is this comparison?

We checked Goodbudget’s own help centre on 29 September 2026. Its subscription page was last updated in 2020, so check goodbudget.com for today’s prices.

Sources

Goodbudget help centre: Subscribe to Goodbudget, checked 29 September 2026
Kinance: pricing and FAQ

Get your money happily sorted.

14 days free. No card to start. Bring the whole family.

Start your free trial