EveryDollar Review (2026)
EveryDollar is Ramsey Solutions' zero-based budgeting app: you plan where every dollar of income goes before the month starts. The free version has no time limit but needs every transaction typed in by hand. Bank connection comes with Premium, at $79.99 a year or $17.99 a month.
By Wealthy Pot Editorial · Facts checked October 18, 2026
Facts checked October 18, 2026 against EveryDollar's own pricing, help and policy pages (9 sources, listed below). We re-check prices about once a month. We do not earn a commission from EveryDollar.
EveryDollar at a glance
| Free plan | Yes, with no time limit: manual entry, unlimited categories [1] |
|---|---|
| Premium price | $79.99 a year (shown as $6.67 a month), or $17.99 a month [1] |
| Free trial | 14 days of Premium, new users only [1] |
| Bank connection | Premium only, through Mastercard Connect and Plaid [3] |
| Budgeting method | Zero-based: income minus expenses equals zero [1] |
| Debt payoff | Built around the debt snowball (smallest balance first) [1] |
| Household sharing | Two people (you and a spouse) on one budget, separate logins [5] |
| Platforms | Web, iPhone, iPad, Android [1] |
| CSV export | Premium only [1] |
| Two-factor login | Yes [6] |
| Owner | The Lampo Group, LLC, doing business as Ramsey Solutions (Franklin, Tennessee) [7] |
App-store ratings (as of June 2026): App Store 4.7★ from 84k ratings; Google Play 4.3★ from 15k ratings. Store ratings mix many app versions and are not our verdict.
What EveryDollar costs
| Plan | Paying monthly, 1 year | Annual plan, 1 year | 3 years (cheapest way) | Annual plan saves |
|---|---|---|---|---|
| Free | $0 | - | $0 | - |
| Premium | $215.88 | $79.99 | $239.97 | $135.89 (63%) |
Our arithmetic from the listed prices, before sales tax, assuming today's prices hold; subscriptions can renew at a different rate. The App Store shows the same Premium prices ($17.99 a month, $79.99 a year). It also lists older "EveryDollar Plus" and Ramsey+ subscriptions, which are not the current plans. Subscriptions bought through Apple or Google must be cancelled there.
How EveryDollar works
At the start of each month you write down your expected income, then give it out to budget lines (rent, groceries, gas, giving, savings) until what is left to budget reaches zero. During the month you log each purchase against a line. On the free plan you type every transaction yourself; Premium pulls them in from linked accounts and you assign each one to a line.
A hypothetical month: two paychecks bring in $4,000. You plan $1,300 for rent, $550 for groceries, $200 for gas, $180 for utilities, $400 for giving, $300 for a car-repair sinking fund, $500 toward the smallest debt and the last $570 across smaller lines. Income minus all lines equals zero, so the budget is "done". If groceries run $60 over, you lower another line by $60 to keep it at zero.
The app follows the Ramsey plan: debts are paid smallest balance first (the debt snowball), and Premium adds paycheck planning, custom reports, a projected net worth figure and a "financial roadmap" plus group or one-on-one coaching.
Pros
- Free version is a real budget with no time limit and unlimited categories
- Simple monthly zero-based layout that is quick to learn
- Sinking funds, split transactions and bill due dates on the free plan
- Live-person support even for free users
Cons
- Bank connection costs $79.99 a year, or $17.99 a month if paid monthly
- Paying monthly costs more than twice the annual price over a year
- Sharing is limited to you and a spouse
- The privacy policy allows sharing some data with marketing partners
Who EveryDollar fits, and who should skip it
A good fit if
- You follow Dave Ramsey's plan and want the app built around it.
- You want zero-based budgeting for free and do not mind entering transactions by hand.
- You and your spouse want to work on one shared monthly budget.
Look elsewhere if
- You want linked accounts without paying: Rocket Money and Empower sync on their free plans, though both budget more loosely.
- You want strict zero-based budgeting with rolling category balances and long-term targets: YNAB goes further.
- You want a free, open-source budget with no upsells: Actual Budget.
Limitations to know
- Bank connection is not available in the free version. [2]
- CSV export, custom reports and paycheck planning are Premium features. [1]
- The household feature shares the owner's budget with one spouse; both people see and edit that budget. [5]
- Ramsey's product page does not say which plan the household feature needs. [1]
EveryDollar compared with alternatives
| App | Price | Free plan | Bank sync | Platforms | Method |
|---|---|---|---|---|---|
| EveryDollar | Free (manual); Premium $17.99/mo · $79.99/yr | Yes | Premium only (Plaid, Mastercard) | iOS, Android, Web | Zero-based |
| YNAB | $14.99/mo · $109/yr (34-day trial; free 365-day trial for college students) | No | Yes (Plaid, MX) | iOS, Android, Web | Zero-based envelope |
| Goodbudget | Free (10 regular + 10 annual envelopes, 1 account, 2 devices); Premium $10/mo · $80/yr | Yes | Premium only (Plaid), US banks | iOS, Android, Web | Digital envelope (manual) |
| Monarch Money | No free tier; Core $14.99/mo · $99.99/yr; Plus $199/yr (US & Canada only) | No | Yes (Plaid, Finicity, MX) | iOS, Android, Web | Flexible / aggregation |
| Actual Budget | Free (self-host); hosting about $1.50/mo (PikaPods); US bank sync needs SimpleFIN ($15/yr) | Yes | Via SimpleFIN ($15/yr), US | Web, Desktop, Self-host | Envelope / zero-based, local-first |
- Pick YNAB if you want a stricter zero-based method with targets and money that rolls over month to month.
- Pick Goodbudget if you prefer envelopes and want cheaper bank sync or a free plan for two devices.
- Pick Monarch Money if you would rather track automatically and see net worth and investments too.
- Pick Actual Budget if you want a free, open-source zero-based budget and can host it yourself.
Security and privacy
- Bank data comes through Mastercard Connect and Plaid, third-party data providers. [3]
- You can skip bank connection and track balances in manual accounts instead. [4]
- Two-factor authentication can be turned on or off in your account's Security settings. [6]
- Ramsey Solutions says it does not sell your personal information. Its privacy policy also says it may share some information with marketing partners and advertisers, and it works with interest-based advertising partners. [7]
EveryDollar FAQ
Is EveryDollar really free?
Yes. The free version has no time limit and unlimited budget categories, but you enter every transaction by hand. Bank connection, reports and CSV export need Premium.
How much is EveryDollar Premium?
$79.99 a year or $17.99 a month. New users can try it free for 14 days.
Does EveryDollar connect to my bank?
Only on Premium. It links accounts through Mastercard Connect and Plaid.
Can my spouse and I share EveryDollar?
Yes. The household feature lets two people work on one budget, each with their own email login.
Who makes EveryDollar?
Ramsey Solutions (legally The Lampo Group, LLC), Dave Ramsey's company in Franklin, Tennessee.
How we researched this review
We did not get paid or receive a free account for this page. We read EveryDollar's own pricing page, help center, security and privacy pages and app-store listing on October 18, 2026, quoted each fact from those pages, and link every one below. We did not run a long-term hands-on test, so we do not score the app; where a point rests on what the company says rather than something we can check, we attribute it to EveryDollar. Cost figures are our own arithmetic. We re-check prices and plans about once a month and log changes in the table above.
Sources
- Ramsey Solutions, EveryDollar, checked October 18, 2026.
- EveryDollar Help, Getting started with bank connection, checked October 18, 2026.
- EveryDollar Help, EveryDollar data security, checked October 18, 2026.
- EveryDollar Help, Bank connection security, checked October 18, 2026.
- EveryDollar Help, Household: inviting a spouse to share a budget, checked October 18, 2026.
- EveryDollar Help, How to turn off two-factor authentication, checked October 18, 2026.
- Ramsey Solutions, Privacy policy (September 8, 2026), checked October 18, 2026.
- Apple App Store, EveryDollar listing, checked October 18, 2026.
- Google Play, EveryDollar listing, checked October 18, 2026.
Head-to-head comparisons
See every option in our budgeting apps comparison, and set your category targets with the free budget calculator.
This review is for general information, not financial advice. Prices and features change; check the vendor's site before you subscribe.