Envelope Budget vs OpenBudget

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

Envelope Budget compared with OpenBudget
Detail	Envelope Budget	OpenBudget
What it does	Paycheck-first envelope budgeting app for hourly and irregular income	Connect your bank to AI and get real answers
Stage	Not given	Not given
Founded	Not given	Not given
Based in	Not given	US
Pricing model	Freemium	Freemium
Pricing	Free: Up to 5 envelopes, bills, paycheck planning, guided onboarding. Pro: $12/month or $120/year with unlimited envelopes, credit card planning, JSON backup, timesheet export. Pro+: $16/month or $160/year with business and timesheet tools.	Base: $5/month billed annually or $9.95/month billed monthly. Investor: $8.25/month billed annually ($99/year) or $12.95/month billed monthly. Both include a 7-day free trial.
Key features	Timesheet logging to paycheck tracking Unlimited envelopes (Pro/Pro+) Debt snowball tracking Credit card planning Manual entry without bank connection Bill tracking Paycheck-month planning	Ask Claude, ChatGPT, or any MCP client about spending, budgets, and balances 10,000+ US bank connections via Plaid Automatic transaction categorization with user-defined rules Auto-sync transactions to Google Sheets and Excel Track cards, loans, balances, APRs, and due dates Split mixed purchases into budget categories Connect investment and retirement accounts Scheduled check-ins and recurring tasks via AI
What makes it different	Timesheet-to-paycheck pipeline not found in general budgeting apps Paycheck-date budgeting instead of calendar-month autopilot Debt snowball and credit card tools in same envelope workspace	No data stored on servers; credentials stay with Plaid and money never moves through OpenBudget One subscription with everything included; no ads or data selling Automatic spreadsheet sync with no manual CSV exports
Community votes	0	0
DR (Domain Rating by Ahrefs)	Not checked yet no change since last check	13 no change since last check
Trust Flow (Majestic)	10	13
Citation Flow (Majestic)	8	32
Referring domains (Majestic)	34	110

5 details filled in for both companies.

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