EveryDollar
Ramsey Solutions
Ramsey Solutions' zero-based budgeting app. Free tier supports manual budgeting; paid Premium tier adds bank sync and additional features.
Last updated: May 3, 2026
Best for
- Followers of the Dave Ramsey financial framework
- Users who want a simple zero-based budget without complex envelopes
- Couples already using Ramsey+ resources
Not ideal for
- Users who want detailed envelope semantics
- Privacy-first users who want data outside a vendor cloud
- Users who want to avoid the surrounding Ramsey ecosystem upsell
Pricing
$17.99/month · $79.99/year
Premium is $79.99/year (effective $6.67/month when billed annually) or $17.99 billed monthly. 14-day free trial for new Premium users. Free tier supports unlimited budget categories and manual transaction entry; bank sync is Premium-only.
Platforms
| Web | Yes |
|---|---|
| iOS | Yes |
| Android | Yes |
| Desktop | No |
Features
| Bank sync | Yes |
|---|---|
| Plaid support | Unknown |
| Manual transactions | Yes |
| Envelope budgeting | No |
| Zero-based budgeting | Yes |
| Couples / shared budget | Yes |
| Google Sheets integration | No |
| CSV import | Unknown |
| CSV export | Unknown |
| Recurring transactions | Yes |
| Bill calendar | Unknown |
| Net worth tracking | Unknown |
Privacy
Budget data is stored on Ramsey Solutions servers. The privacy policy explicitly states Ramsey does not sell personal information, but it does share data with third parties for interest-based advertising. Linked-account data may be transmitted to third-party AI platforms when users opt in to those services.
Direct quote: 'Ramsey Solutions does not sell your personal information to third parties.' Caveat: data is shared for interest-based advertising. Account deletion via privacy@ramseysolutions.com or 1-888-227-3223. State-specific rights (CCPA-style) apply.
Pros
- Real free tier for manual budgeting
- Closely tied to a well-known financial framework
- Simple zero-based budgeting workflow
Cons
- Bank sync is a paid feature
- Heavy ecosystem upsell into Ramsey+
- Not envelope-based in the traditional sense
Featured in
Alternatives
- YNAB (You Need A Budget) — Subscription envelope-budgeting app built around the zero-based method. Web-first with iOS and Android companions. Mature ecosystem and large community; no permanent free tier.
- Okane Budgeting — Mobile envelope budgeting app whose backing store is a Google Sheet on the user's own Drive. Free tier with unlimited envelopes; $5/month Premium adds Plaid bank sync and on-device AI categorization.
- Goodbudget — Manual envelope-budgeting app with shared partner access. Free tier exists with envelope and account caps; the Plus tier raises the limits and adds bank import.
- Monarch Money — All-in-one personal finance app focused on net worth tracking, account aggregation, and household budgeting. Web and mobile, with a household plan that includes partner access.
Sources
- EveryDollar product page — Ramsey Solutions. Accessed May 2, 2026.
- Ramsey Solutions privacy policy — Ramsey Solutions. Accessed May 3, 2026.