Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Personal Finance Dave Ramsey’s EveryDollar App Review 2025: Free vs. Premium Features Explained Updated Aug 31, 2025 10-min read Reviewed by Timothy Moore, CFEI® Reviewed by Timothy Moore, CFEI® Expertise: Bank accounts, taxes, personal loans, student loans, auto loans, budgeting, money management, home equity Timothy Moore is a Certified Financial Education Instructor (CFEI®) specializing in bank accounts, student loans, taxes, and insurance. His passion is helping readers navigate life on a tight budget. Learn more about Timothy Moore, CFEI® Visit Site Budgeting App Our take: EveryDollar is a solid choice if you’re a fan of Dave Ramsey’s system and want a budgeting app built specifically around zero-based budgeting. The free version is functional but tedious, while Premium offers helpful automation—though at a higher price than many competitors with more robust features. For Ramsey loyalists, it’s worth it. For everyone else, other budgeting apps may be a better fit. Fits with Dave Ramsey model Makes it easy to do zero-based budgeting Financial coaching and custom budget reports Manual entry for the free version High cost for the Premium version Lacks advanced features other apps may have Table of Contents What is the Dave Ramsey budget app? How does EveryDollar work? Is the EveryDollar App free? Features of the free version How much does EveryDollar Premium cost? Features of the premium version EveryDollar free vs. paid When does it pay to upgrade? EveryDollar app reviews How does EveryDollar compare to other budgeting apps? EveryDollar vs. Monarch Money EveryDollar vs. You Need A Budget (YNAB) EveryDollar vs. Quicken Simplifi EveryDollar pros and cons How to sign up for EveryDollar FAQ How safe is EveryDollar? What banks are compatible with EveryDollar? Does EveryDollar work with credit cards? What is the Dave Ramsey budget app? EveryDollar is Dave Ramsey’s budgeting app, built and powered by Ramsey Solutions. It’s based on his signature zero-based budgeting method and gives users a simple way to view financial accounts in one place, create a customized budget, and track spending habits. The catch? The free version of EveryDollar is pretty bare-bones. If you want time-saving features—like automatic bank connections and spending insights—you’ll need to upgrade to EveryDollar Premium. In our review below, we’ll cover the features of both the free and paid versions to help you decide if it’s the right budgeting app for you. How does EveryDollar work? EveryDollar is a digital budgeting platform available on desktop, tablet, and mobile devices. It’s built on the zero-based budgeting method, a system where every single dollar of income is assigned a purpose—whether that’s spending, saving, or giving—so nothing slips through the cracks. To get started, you sign up for a free account and download the app. Then, you build out your first monthly budget by entering your income, expenses, and savings goals. Each month, you adjust the budget before it begins, and throughout the month you log every expense and paycheck. Is the EveryDollar App free? Yes, EveryDollar offers a free version with basic budgeting tools. The free version allows you to create and manage a customizable zero-based budget, but it requires you to manually enter every transaction. It’s a good entry-level budgeting app if you’re new to zero-based budgeting and want to build the habit without spending money. Features of the free version Zero-based budgeting: Every dollar you earn is assigned a job—spending, saving, or giving—so your budget balances to zero. Unlimited budget categories: Create as many categories as you need to reflect your lifestyle, whether that’s groceries, pet care, or travel. Savings funds: Set aside money for future goals like a wedding, vacation, or new car by creating “funds” inside your budget. Monthly budget planning: Build out your budget before each month begins and adjust as needed. Manual transaction entry: Log every income source and expense by hand, from your paychecks to your morning coffee. Access on any device: Use EveryDollar on desktop, tablet, or mobile app and sync your budget across devices. How much does EveryDollar Premium cost? EveryDollar Premium is the paid version that unlocks more advanced features and automations. As of August 2025, Premium costs: $17.99 per month $79.99 per year (billed annually, saving you money compared to monthly billing) New users can also take advantage of a 14-day free trial before committing. Features of the premium version EveryDollar Premium includes everything in the free version—zero-based budgeting, unlimited categories, savings funds, and access on all devices—plus these added features: Bank Connect: Automatically import transactions from your bank so you don’t have to enter every expense by hand. See a list of compatible banks. Financial Roadmap: Track your net worth, set financial goals, and measure your progress toward debt freedom. Paycheck planning: Organize your budget around your paydays, helping you avoid overspending and overdrafts. Reports and insights: See detailed breakdowns of your spending habits and spot trends over time. Transaction splitting: Divide one purchase into multiple categories (like groceries and clothing from a single store run). One-click tracking and CSV downloads: Quickly assign transactions to categories and export your full budget data for record-keeping. Bill due date reminders: Stay on top of recurring bills with alerts so nothing slips through the cracks. Group financial coaching: Join sessions with Ramsey Solutions’ money experts for extra accountability and guidance. Real-person customer support: Premium users can reach an actual human for help, not just automated responses. EveryDollar free vs. paid Here’s a quick side-by-side look at what you get with each version: FeatureFreePremiumZero-based budgeting✔✔Unlimited categories✔✔Savings funds✔✔Manual transaction entry✔✔Access on any device✔✔Bank Connect (automatic transaction imports)✘✔Paycheck planning✘✔Financial Roadmap (goals + net worth tracking)✘✔Transaction splitting✘✔Spending reports & insights✘✔Bill due date reminders✘✔Export budgets (CSV)✘✔Group financial coaching✘✔Real-person customer supportLimitedFull access When does it pay to upgrade? The free version works fine for anyone just starting out with budgeting and willing to manually log each transaction. But the real value of EveryDollar comes with Premium. Bank Connect alone saves hours of manual entry each month, while paycheck planning and reports provide structure and insight you can’t get from a spreadsheet. If you’re serious about sticking to Dave Ramsey’s baby steps or want more automation, Premium is worth the upgrade. Read More Dave Ramsey’s thoughts on home equity loans EveryDollar app reviews PlatformRatingNumber of reviewsApple App Store4.7/576.9KGoogle Play4.3/513.9KData collected in August 2025. EveryDollar earns strong reviews from iPhone users, with a 4.7-star rating on the Apple App Store and tens of thousands of positive comments. Many praise the app’s simple design, stability, and the way it reinforces Dave Ramsey’s zero-based budgeting method. For users who already follow his financial plan, the app feels like a natural extension and helps them stay disciplined. On the other hand, Android users report a rockier experience. While Google Play shows an average rating around 4.3 stars, other review trackers report lower scores, reflecting complaints about app crashes, glitches, and frustration with manual data entry. Even Premium users sometimes feel shortchanged when automatic bank syncing doesn’t work as expected. In short, iOS users tend to be highly satisfied, but Android reviews show more disappointment, especially among those paying for features that don’t always deliver. How does EveryDollar compare to other budgeting apps? EveryDollar is terrific for people actively working to get out of debt, particularly those following Dave Ramsey’s plan. But other budgeting apps might be a better investment for everyone else—those who need basic expense monitoring or want more premium features, such as investment tracking or retirement planning. For what it offers, EveryDollar Premium feels quite expensive. The annual plan is cheaper than competitors such as You Need A Budget and Monarch Money, but those apps offer far more features (and their monthly plans are cheaper). AppCostAndroid ratingiOS ratingEveryDollar$17.99/month, $79.99/year4.3/54.7/5Monarch Money$14.99/month, $99.99/year4.7/54.9/5You Need A Budget$14.99/month, $109/year4.7/54.8/5Quicken Simplifi$47.88/year (annual plan only)4.6/54.4/5 EveryDollar vs. Monarch Money EveryDollar is more focused on basic budgeting and debt payoff, while Monarch Money offers a broader financial picture, including investment tracking and retirement planning. Monarch also has stronger mobile ratings and a more modern interface, though its annual plan costs slightly more than EveryDollar’s. EveryDollar vs. You Need A Budget (YNAB) YNAB is the closest competitor in philosophy, since it also uses a zero-based budgeting approach. But YNAB adds features like goal tracking, spending targets, and detailed reports, making it more flexible. While YNAB costs a bit more annually, many users feel it delivers greater value—especially for those not tied to the Ramsey plan. EveryDollar vs. Quicken Simplifi Quicken Simplifi emphasizes expense tracking and cash flow management, with less of a learning curve than YNAB. It’s also cheaper, but requires an annual commitment. Simplifi earns solid ratings and appeals to users who want a straightforward, automated budgeting tool rather than a debt-focused approach like EveryDollar. See our full list of the best budgeting apps. EveryDollar pros and cons Still trying to determine whether EveryDollar is right for you? Here are several pros and cons to consider: Pros Fits in with Dave Ramsey model Love him or hate him, Dave Ramsey works for many families. If you’re recovering from debt and setting yourself up for financial success by using Dave Ramsey’s 7 Baby Steps, you’ll appreciate all the features of the EveryDollar app. Makes it easy to do zero-based budgeting Zero-based budgeting is a popular strategy, but it requires careful monitoring of every transaction. EveryDollar provides a structure for this. Financial coaching and custom budget reports The paid version of Every Dollar might not offer all the bells and whistles competing apps do, but you can use cool features, such as group financial coaching and a financial road map, to create goals and track your progress. Cons Manual entry for the free version The free version of EveryDollar requires tedious data entry for every transaction. Other budgeting apps allow you to connect your bank accounts, even at the free level, to streamline this process. High cost for the Premium version If you want any real value out of EveryDollar, you’ll need to pay for EveryDollar Premium, which is pricey for what it offers. You’ll spend $17.99 a month (or $79.99 a year). The paid version is not available outside the United States. Few features EveryDollar is basic. You can’t use it for investment monitoring, retirement planning, bill payments, or credit score monitoring. How to sign up for EveryDollar Signing up for EveryDollar is easy. If you already have a Ramsey account, you can use that to sign in online or via the mobile app, which you can download for iOS and Android. If you don’t have a Ramsey account, just provide basic info to create one before you start. Once you’ve created your account, you can begin designing your customized budget. It’s helpful to do this on a computer rather than a smartphone. It can be tedious and time-consuming, but you must account for every bit of income and expense you plan to incur. FAQ How safe is EveryDollar? EveryDollar is safe and secure to use. The platform employs bank-level encryption to protect your financial data. It uses third-party security audits to ensure its systems are robust against potential threats. Because EveryDollar doesn’t store your bank login credentials and relies on a secure connection to pull in your transactions, you can feel confident that your personal information is protected. What banks are compatible with EveryDollar? With EveryDollar Premium, you can connect your accounts via the Bank Connect feature, which integrates with over 10,000 banks and credit unions. Some major banks and credit unions that typically work well with EveryDollar include: Alliant Credit Union Ally Bank Bank of America Capital One Chase Chime PNC USAA Wells Fargo These banks are known to have more reliable connections, though some institutions may still experience syncing delays or temporary issues. A few banks—such as Apple Card—are not supported for direct syncing. If your bank isn’t listed, you can manually add transactions, or request that EveryDollar consider adding it in the future. Does EveryDollar work with credit cards? Yes, EveryDollar Premium allows you to connect credit card accounts for transaction syncing. However, the app’s approach to budgeting discourages relying on credit cards, since Dave Ramsey’s philosophy emphasizes avoiding debt. Here’s how credit cards typically work in EveryDollar: If you’re paying off credit card debt, you’ll add the balance under the “Debt” section and track payments made toward it. If you pay your card off in full each month, you can still connect it and import purchases, but many users prefer to log expenses as they happen to stay aligned with zero-based budgeting. For those who prefer manual entry, you can add purchases one by one or split a credit card payment into the specific categories it covered.