mPiggy The short version: Goodbudget is a classic virtual-envelope app with cloud sync—but its free plan caps envelopes, accounts, devices, and history, and automatic bank sync is Premium-only. mPiggy gives you envelope-style budgeting with no caps on the free core and keeps your data on your device.
What is mPiggy?
mPiggy is a mobile app for wallets, transactions, budgets, goals, liabilities, and statistics—on-device by default with a free core and no usage limits. AI receipt scanning and Bank Connect are optional add-ons.
What is Goodbudget?
Goodbudget (formerly EEBA) is the well-known virtual envelope app with cloud sync between devices. The free plan includes 20 envelopes (10 regular + 10 annual/goal), 1 account, 2 devices, and 1 year of history. Premium ($10/month or $80/year) unlocks unlimited envelopes and accounts, 5 devices, 7 years of history, and automatic US bank sync via Plaid. (The older Plus tier is discontinued for new signups.)
mPiggy vs Goodbudget by category
Free-tier limits. This is the everyday difference. Goodbudget’s free plan is genuinely usable but hits walls fast—20 envelopes and a single account do not stretch far for a household. mPiggy’s free core has no such ceilings.
Budgeting method. Both do envelope-style budgeting well. Goodbudget is envelope-purist; mPiggy adds goals, liabilities, and richer statistics around the same discipline.
Privacy and storage. Goodbudget is cloud-sync by design. mPiggy is offline-first—your envelopes live on your phone and work without a connection.
Bank sync. Goodbudget reserves automatic bank sync for Premium and US banks (via Plaid). mPiggy keeps sync optional through Bank Connect, with manual entry as a fast default.
Reach. mPiggy offers a Polish UI and accounting-correct multi-currency with historical rates; Goodbudget is US-centric with limited multi-currency.
Who mPiggy is best for
- You keep hitting Goodbudget’s free envelope or account limits.
- You want envelope-style budgeting without a subscription.
- You prefer your budget on your device and working offline.
- You want a Polish UI or real multi-currency support.
Who Goodbudget is best for
- You want pure, classic envelope budgeting and that is the whole job.
- You rely on multi-device cloud sync as the centerpiece.
- You are in the US and want Premium’s automatic Plaid bank sync.
Getting started with mPiggy
Install the free app, create category budgets like envelopes, and import any history from a file (CSV, OFX, QFX, QIF). No caps, no account, no card to begin.
Summary
Both teach envelope discipline. mPiggy adds mobile privacy, an uncapped free core, and broader tracking. Try mPiggy before paying for another envelope subscription.