EveryDollar review

EveryDollar is Ramsey Solutions' budgeting app, and it fits people already following the Ramsey Baby Steps. It uses zero-based budgeting: you plan where every dollar goes before the month starts, with unlimited custom categories, then see what is left in each category as you spend. The free version has no time limit, which makes it a reasonable first step off a spreadsheet, but transactions are entered by hand. Premium adds bank connect to pull transactions in, personalized recommendations, a debt payoff tracker, one-on-one and group coaching, and free weekly live trainings. Couples can manage one budget through the household feature while signing in with separate emails. Debt planning follows the debt snowball, paying the smallest balance first regardless of interest rate, which some readers will not want. Premium costs $79.99 a year, about $6.67 a month, after a 14-day trial for new users, but $17.99 when billed monthly, the highest monthly price we found, so pay yearly if you upgrade.

Who it is for

followers of the Ramsey debt snowball method

Price

Free version; premium $79.99 per year (about $6.67 a 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 13, 2026.

Key features

• Zero-based budgeting with unlimited custom categories
• Free version can be used for as long as you want
• Premium bank connect pulls transactions into the budget
• Premium debt payoff tracker built around the debt snowball method
• Premium includes one-on-one and group coaching plus weekly live trainings

Strengths and weaknesses

• Strength: Permanent free version with unlimited categories
• Strength: Household feature lets couples share one budget with separate emails
• Strength: Coaching and weekly live trainings included in premium
• Weakness: Bank connect is premium only, so the free version is manual entry
• Weakness: Monthly premium costs $17.99, the highest monthly price on this list
• Weakness: Debt tools follow the debt snowball rather than interest-rate order

Key facts

• Free version: Yes, no time limit
• Premium yearly: $79.99
• Premium monthly: $17.99
• Free trial: 14 days, new users

Where it ranks

EveryDollar is No. 8 in our Best Budgeting Apps verdict.