EveryDollar

What Is EveryDollar?

EveryDollar is a budgeting app created by Ramsey Solutions — Dave Ramsey’s company. It’s built around the zero-based budgeting principle, which means you assign every dollar of income to a specific category before the month begins. Debt payments are one of those categories, and the app tracks your debt snowball progress as part of your overall budget.

The free version lets you create budgets and manually enter transactions. The Premium version (part of Ramsey Plus, which costs $79.99/year or $12.99/month) adds automatic bank syncing, transaction importing, and access to Financial Peace University — Ramsey’s signature personal finance course.

If you’re already following Dave Ramsey’s Baby Steps, EveryDollar is designed to be your companion app. If you’re not familiar with his approach, the app still works as a solid zero-based budgeting tool, but you’ll notice the Ramsey philosophy woven throughout.

Who Is EveryDollar Best For?

Dave Ramsey followers. If you’re working the Baby Steps, EveryDollar is purpose-built for you. The debt snowball tracking, emergency fund goals, and overall structure align directly with Ramsey’s method. It’s the natural companion to Financial Peace University.

Budgeting beginners. The zero-based budgeting approach is straightforward: income minus expenses equals zero. EveryDollar walks you through setting up categories and assigning dollars, which makes budgeting less abstract and more actionable. If you’ve never budgeted before, this is a gentle entry point.

People who don’t mind manual entry. The free version requires you to enter every transaction by hand. Some people actually prefer this — it forces you to stay aware of every dollar you spend. If that sounds tedious rather than helpful, you’ll want the Premium version with bank syncing.

All-platform users. EveryDollar works on iOS, Android, and web, so you can update your budget from wherever you are. The cross-platform experience is smooth and consistent.

Pricing

The free version includes zero-based budgeting, manual transaction tracking, and basic debt snowball tracking. It’s functional and genuinely useful if you’re disciplined about manual entry.

Ramsey Plus (Premium) costs $79.99/year or $12.99/month and adds bank syncing, automatic transaction categorization, and access to Financial Peace University and other Ramsey content. The educational content alone is valued by many users, but the price point is steep if you only want the budgeting features.

Our Take

EveryDollar is a well-designed budgeting app with a clear point of view. If you align with Dave Ramsey’s approach to money — which emphasizes the debt snowball, gazelle intensity, and a specific step-by-step path — this app turns that philosophy into a daily tool.

The limitation is that clear point of view. EveryDollar only supports the debt snowball method. If you want to compare snowball vs. avalanche, or if you want to try a different strategy altogether, the app won’t help you explore those options. The math says avalanche saves more in interest for most people, and EveryDollar doesn’t offer that path.

The free version is a real free version — not a trial. You can budget indefinitely without paying, which is generous. But manual transaction entry is a dealbreaker for many people, and bank syncing is locked behind the Premium paywall.

If you’re all-in on the Ramsey method, EveryDollar is the obvious choice. If you’re not sure which payoff strategy is right for you, or if you want a tool that’s more strategy-flexible, you’ll find better options in dedicated debt payoff apps.