EveryDollar review

EveryDollar is Ramsey's budgeting app, and it suits people who already follow the Baby Steps or want a zero-based plan without much complexity. You build the month's plan with custom categories before it starts, so income minus planned spending equals zero, and the app shows what is left in each category as you go. The free version works indefinitely, but you enter transactions yourself. Premium adds bank connect so transactions flow in, personalized recommendations, a debt payoff tracker built for the debt snowball, and one-on-one and group coaching, plus free weekly live trainings. A household feature lets couples run one budget with separate logins. Premium is $79.99 a year after a 14-day trial, a fair price, but the $17.99 monthly rate is the highest monthly price on this list. Its debt tools follow the smallest-balance-first snowball method, which some people prefer to pay off high-interest debt first.

Who it is for

People following the Ramsey debt snowball who want a simple zero-based budget.

Price

Free version; premium $79.99 per year (about $6.67 per month) or $17.99 monthly after a 14-day trial.

After a 14-day free trial, the premium version costs $6.67 per month when billed annually at $79.99, or $17.99 per month when billed monthly
Quoted from the vendor pricing page on November 8, 2026.

Key features

• Zero-based budgeting with custom categories planned before the month
• Bank connect that imports transactions on premium
• Debt payoff tracker built around the debt snowball method
• Household feature for couples with separate logins
• Premium coaching and weekly live trainings

Strengths and weaknesses

• Strength: Free version you can use as long as you want
• Strength: Very simple zero-based layout
• Strength: Premium includes one-on-one and group coaching
• Weakness: Free version has no automatic bank import
• Weakness: Monthly premium at $17.99 is the highest monthly price here
• Weakness: Debt tools follow the Ramsey snowball method only

Key facts

• Method: Zero-based
• Free version: Yes, manual entry
• Premium: $79.99 per year or $17.99 per month
• Free trial: 14 days, new users
• Couples: Household feature with separate emails

Where it ranks

EveryDollar is No. 7 in our Best Budgeting Apps verdict.