Savly vs Goodbudget

Goodbudget is an envelope-based budgeting app with a long history. But its free plan is limited, bank syncing only works in the US, and there's no multi-currency support. Here's how Savly compares for everyday budget tracking.

Feature	Savly	Goodbudget
Free transactions	Unlimited	20 envelopes
Monthly price (paid)	£5.99	$10
Annual price (paid)	£59.99	$80
CSV/Excel import	Yes (Free + Premium)	QFX/OFX on web only
Bank sync	Not applicable	US only (Premium)
Multi-currency	20+ currencies	No
AI Financial Assistant	Yes (Premium)	No
Device limit	Unlimited	2 (Free) / 5 (Premium)
Transaction history	Unlimited	1 year (Free) / 7 years (Premium)
Household sharing	Yes (Premium)	Within device limits

Free Tier Comparison

This is where the two apps differ most. Savly's free tier includes unlimited transactions, multiple accounts, full budget tracking, savings goals, and auto-categorisation. There are no artificial limits on how much you can track.

Goodbudget's free plan restricts you to 20 envelopes (budget categories), one account, one year of transaction history, and two devices. For a household with varied spending categories, 20 envelopes can feel limiting quickly — groceries, rent, utilities, transport, dining out, subscriptions, and a few more and you're already close to the cap.

If you want to get a genuine feel for a budgeting app before committing to a paid plan, Savly's free tier gives you the full experience without hitting walls.

International Users

Goodbudget's bank syncing feature is only available in the United States. If you live anywhere else, you'll need to enter every transaction manually — there's no CSV import on the free plan, and even on the paid plan, import is limited to QFX and OFX formats through the web app only.

Savly works with CSV and Excel files from any bank in the world, on both the free and paid plans. Whether your bank is in London, Berlin, São Paulo, or Tokyo, you can export a statement and import it into Savly in minutes.

Add to that Savly's 20+ currency support, and it becomes the clear choice for anyone managing finances outside the US or across multiple countries.

Feature Depth

Beyond the basics, Savly offers several features that Goodbudget doesn't match:

• AI Financial Assistant (Premium): Get personalised insights about your spending patterns, identify trends, and receive suggestions for saving more effectively.
• Unlimited transaction history: Your entire financial history stays accessible, even on the free plan. Goodbudget limits free users to one year.
• No device limits: Use Savly on as many devices as you want. Goodbudget limits free users to two devices and paid users to five.
• Auto-categorisation: Savly automatically sorts imported transactions into categories, saving you time on every import.
• Full data export: Export your data to Excel, CSV, or JSON at any time (Premium). Your data is always yours.

Frequently Asked Questions

Is Savly better than Goodbudget?

It depends on your needs. Savly offers a more generous free tier with unlimited transactions (vs Goodbudget's 20-envelope limit), multi-currency support for 20+ currencies, and an AI financial assistant. Goodbudget may suit you better if you specifically want the envelope budgeting methodology and US-based bank syncing.

Does Goodbudget have multi-currency support?

No. Goodbudget only supports a single currency per household. Savly supports 20+ currencies within a single budget, making it a much better choice for expats, freelancers with international clients, or anyone managing money across borders.

Can I import bank statements into Savly?

Yes. Savly accepts CSV and Excel file imports from virtually any bank worldwide. Simply download your statement from your bank's website and upload it to Savly. Auto-categorisation will handle most of the sorting for you.