This is an important step in the process because it helps you see where you can cut back if you need to.
Your dining, travel, clothing (beyond the basics), subscriptions and memberships are variable costs. Examples of fixed costs are rent, utility bills, transportation, insurance, food and loan payments.
Requiring manual entry of data helps users to really analyze their spending habits versus it being automated (users can also download their recent activity from their bank’s website and import that into Goodbudget).
Free to use for creating 20 envelopes, one account user on up to two devices, one year of transaction history, debt tracking and community support.