EveryDollar Review
By Itai Varochik | Last updated February 1, 2026
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Our Verdict
EveryDollar is the ideal budgeting app for Dave Ramsey followers working the Baby Steps. Its zero-based approach is simple and effective for debt elimination, but financially sophisticated users will outgrow it quickly.
GetASearch Score: 7/10
Rating: 4/5 (620 reviews)
Pros
- Simple zero-based budgeting
- Baby Steps integration
- Clean interface
- Drag-and-drop budgeting
Cons
- Bank sync requires premium
- Expensive premium tier
- Limited features vs competitors
- No investment tracking
Score Breakdown
| Criteria | Score |
|---|---|
| Features | 5.0/10 |
| Ease of Use | 9.0/10 |
| Value for Money | 6.0/10 |
| Customer Support | 7.0/10 |
| Overall | 7.0/10 |
What is EveryDollar?
EveryDollar is a zero-based budgeting app created by Ramsey Solutions, the company behind Dave Ramsey's financial education empire. The app implements Ramsey's "give every dollar a job" philosophy, where your income minus your planned expenses equals exactly zero. This approach has helped millions of Americans - particularly those following the Baby Steps debt-elimination framework - take control of their finances. The free tier provides the core budgeting experience: create monthly budgets with customizable categories, drag-and-drop budget items, and manually track transactions. The interface is clean and mobile-first, designed for quick daily check-ins. Budget templates based on Ramsey's recommended percentage allocations (housing 25%, food 10-15%, transportation 10%, etc.) give beginners a starting framework. EveryDollar Premium (included with Ramsey+ at $59.99/year) adds automatic bank transaction importing, custom reports, paycheck planning, and priority support. The premium tier transforms the experience - automatic categorization eliminates the tedium of manual entry while maintaining the zero-based discipline. The paycheck planning feature is particularly useful for irregular income earners. The app integrates deeply with the Ramsey ecosystem. If you're working through the Baby Steps (1: $1,000 emergency fund, 2: Debt snowball, 3: 3-6 months expenses, etc.), EveryDollar tracks your progress with dedicated Baby Steps tracking. Financial Peace University (FPU) course materials reference EveryDollar throughout, creating a cohesive educational and practical toolkit. However, EveryDollar's Ramsey-centric philosophy is also its limitation. The app doesn't support investment tracking, net worth calculations, or credit card management - reflecting Ramsey's anti-debt, anti-credit stance. Users with more complex financial lives (investment portfolios, multiple income streams, credit card optimization) will find EveryDollar too restrictive. The app is also more expensive than comparable tools when considering the full Ramsey+ bundle required for premium features. YNAB offers more sophisticated budgeting for $14.99/month, and Monarch Money provides a more comprehensive financial picture for $14.99/month.
EveryDollar Features
| Feature | Available | Description |
|---|---|---|
| Zero-Based Budget | Yes | Assign every dollar |
| Baby Steps | Yes | Ramsey method tracking |
| Bank Sync | Yes | Connect accounts (premium) |
EveryDollar Pricing
Free / Premium $17.99/mo
Best For
- Dave Ramsey followers
- Zero-based budgeters
- Beginners
- Debt payoff focused
Final Verdict
EveryDollar is the ideal budgeting app for Dave Ramsey followers working the Baby Steps. Its zero-based approach is simple and effective for debt elimination, but financially sophisticated users will outgrow it quickly.