SaaS alternative · Personal Finance

Replace Goodbudget Plus.
One .xlsx file. Paid once.

Goodbudget Plus runs about $8/mo — that's $96/yr for as long as you keep paying. The Sinking Funds Planner is one Excel file you pay $7 for once. Over 10 years you keep roughly $953.

Side-by-side

	Goodbudget Plus	Sinking Funds Planner
Cost	~~$8/mo · $96/yr~~	$7 once
10-year cost	~~$960~~	$7
Format	Web app · mobile app	.xlsx file · Excel / Sheets / Numbers
Your data lives	On their server	On your computer
Works offline	No	Yes
Cancel = lose access?	Yes	No — own forever
Edit any formula?	No	Yes — every cell
Live bank sync	Usually yes	No — manual entry
Phone-first workflow	Yes	Limited — desk-and-keyboard

Honest read: if you mostly use Goodbudget Plus for live bank sync and phone tracking, stay where you are. If you use it for the weekly numbers and dashboards it shows you — the Excel workbook does that part for $7.

What you'd be switching to

Personal Finance · · .xlsx

Sinking Funds Planner

Replaces Goodbudget Plus (~$8/mo). Envelope budgeting for irregular expenses — Christmas, car repairs, insurance premiums, property tax, vacation. Required-monthly math per fund, on-track/behind flags, and a monthly contributions log. Pair with Daily Budget Planner for the month-to-month flow.

$7 paid once See it →

Switch in 3 steps

01

Export your data from Goodbudget Plus

Most apps have an export-to-CSV option in Settings. Grab the last 12 months at minimum so your historical trends carry over.
02

Paste it into the workbook

Open Sinking Funds Planner in Excel, Google Sheets, or Numbers. Drop your CSV into the input sheet. The dashboards recompute automatically.
03

Cancel Goodbudget Plus

You're saving ~$96 a year, forever. Your data lives on your computer now.

Things people ask

Will an Excel workbook really do everything Goodbudget Plus does?

No — that's honest. Goodbudget Plus has features a spreadsheet can't match (live bank sync, mobile app, AI assistance). What the workbook does is the core math you actually use weekly. If you're paying $8/mo mostly for features you never open, switching saves you $96/yr. If you genuinely use the platform-specific features, stay where you are.

What's the catch with paying $7 once vs $8/mo?

No catch. The workbook is a .xlsx file you download and own. There's no expiry, no account, no cloud lock-in. You enter your own data manually — that's the friction trade. Over 10 years you'd pay Goodbudget Plus roughly $960. The workbook costs $7 once, so you keep ~$953.0.

What spreadsheet apps does it open in?

Microsoft Excel, Google Sheets, and Apple Numbers — all three open .xlsx natively. Google Sheets and Apple Numbers are free. You don't need an Excel subscription.

How do I switch from Goodbudget Plus?

Three steps: (1) export your historical data from Goodbudget Plus as CSV, (2) open the gridmoo workbook and paste the data into the input sheets, (3) cancel your Goodbudget Plus subscription. Most users finish the switch in 30–60 minutes.