Price checkMonthly
FreeFreePremium$17.99/mo
See all 2 plans

All EveryDollar Plans & Pricing

Plan Monthly Annual Best For
View all features by plan (compare side-by-side)

Free

  • Manual budget creation
  • Spending tracking
  • Zero-based budgeting
  • Custom budget categories

Premium

  • Bank connectivity
  • Paycheck planning
  • Budget insights and reports
  • Custom budget recommendations
  • All free features included
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What does EveryDollar actually cost you?

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Tier
Billing
Your projected cost$449.75per month · $17.99/unit × 25units
Year 1 license$5.4K12 months at this rate
At a glance

List price by tier (annualized, per unit)

Per-unit list price across EveryDollar's plans, annualized. Custom-priced tiers show a hatched bar.

FreeCustom
Premium$215.88/yr
Quick Answer
Last verified:
Medium confidence

EveryDollar costs Free to $17.99 per month as of August 2026, with 2 plans available including a free tier. Plans: Free (free), and Premium at $17.99/month. Pricing depends on your chosen tier, contract length, and negotiated discounts.

Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.

  • Free tier: Yes

EveryDollar offers 2 pricing tiers: Free, Premium. A free plan is available. Paid plans include Premium at $17.99/month. The Premium plan is users who want automatic bank sync and insights.

Compared to other personal finance & budgeting software, EveryDollar is positioned at the budget-friendly price point.

  • 5 documented hidden costs beyond list price
  • Contracts auto-renew
Last verified: | Sources: 1 pricing pages and reviews

How much does EveryDollar cost?

EveryDollar offers a free plan with 1 paid tiers from $17.99 to $17.99/month. Plans include Free (free), Premium at $17.99/month.

EveryDollar Pricing Overview

EveryDollar has 2 pricing plans, including a free tier. Paid plans range from $0 to $17.99/month. The Free plan is free and is best for users who want simple manual budgeting. The Premium plan costs $17.99/month, best for users who want automatic bank sync and insights.

EveryDollar contracts auto-renew.

There are at least 5 documented hidden costs beyond EveryDollar's list price, including implementation, training, and add-on fees.

This pricing was last verified in May 26, 2026 from 1 independent source.

Try EveryDollar Free
EveryDollar is a zero-based budgeting app from Ramsey Solutions with a free manual budgeting version and a Premium plan at $17.99/month or $79.99/year. The Free plan supports manual budget creation and spending tracking with no bank sync. The Premium plan adds bank connectivity, paycheck planning, and budget insights. A 14-day free trial of Premium is available for new users.

How EveryDollar Pricing Compares

Compare EveryDollar pricing against top alternatives in Personal Finance & Budgeting.

Copilot Money $7.92-$13/mo Compare → Tiller Money $6.58/mo Compare → Monarch Money $8.33-$14.99/mo Compare →

Compare EveryDollar vs Alternatives

Before committing to EveryDollar, compare pricing with these 3 alternatives in the same category.

VSCopilot Money
From $7.92/mo

Apple ecosystem users who want a premium finance app

Full comparison
VSTiller Money
From $6.58/mo

Spreadsheet users who want automated financial data

Full comparison
VSMonarch Money
From $8.33/mo

Most users who want comprehensive finance tracking

Full comparison

All EveryDollar alternatives & migration guides

What Companies Actually Pay for EveryDollar

Review scores
Third-party review aggregates, as of Jul 2026
Top pricing complaints
Free tier is too limited — no bank sync, no credit card handling, manual entry onlyAds for Ramsey's partner products appear even in the paid appApp bugs frustrate users enough to switch to alternativesInsights and analytics dashboard is weak compared to competitors

EveryDollar Year 1 Total Cost by Company Size

Real deployment costs including licenses, implementation, training, and admin — not just the sticker price.

Individual Budgeter on Free Plan $0 Year 1 total

Single user or household using the free plan with manual transaction entry only — no bank sync.

Individual or Couple on Premium Annual $79 Year 1 total

Single user or household subscribing to Premium with bank sync, paycheck planning, and financial reports, billed annually for maximum savings.

Individual on Premium Monthly (No Annual Commitment) $17 Year 1 total
$215.88/year
Total $17

Single user subscribing to Premium month-to-month at the higher monthly rate without locking into an annual commitment.

Current tier data

How EveryDollar Pricing Compares

Software Starting Price Top Price
EveryDollar Free $17.99/month
Acorns $3/mo $12/mo
Albert $19.99/mo $39.99/mo
Buxfer $7.99/month $23.99/month
Copilot Money $7.92/month $13/month
Dollarbird $5/year $6.67/year

Detailed pricing comparisons:

Browse all Personal Finance & Budgeting pricing →

5 EveryDollar Hidden Costs Beyond the List Price

Beyond the listed price, EveryDollar has at least 5 documented hidden costs that can significantly increase total cost of ownership.

Watch for 5 hidden costs
  • Necessity of Premium for Core Functionality
    high 1 source
    industry "Without it, the app's utility is significantly reduced for some, making the Premium cost feel like a necessary "implementation" to fully utilize the budgeting tool."
  • Inefficiency of Free Version's Manual Entry
    high 1 source
    industry "The free version requires manual entry of every transaction, which many users find time-consuming and less effective for comprehensive financial tracking."
  • Annual Price Uplift $30
    medium 1 source
    industry "For example, some users reported being charged $129 for an annual subscription after previously paying $99, particularly when subscribing through platforms like iTunes, which may include additional cuts."
  • Free Tier Requires Upgrade for Any Practical Bank Connectivity $79.99/year
    medium 2 sources
    Reddit "The basic tier is free and has all the functionality you need (caveat is you have to manually input your transactions, there is no automated way to link bank account unless you pay)."
    Reddit "Basic EveryDollar is pretty worthless. They don't even have accounts, just a list of transactions. So I don't see how anyone has long term success with it without paying. And they've basically got no proper credit card handling."
  • Promotional Ads for Ramsey Partner Products Inside Paid App 5-10% of license costs
    low 1 source
    Reddit "EveryDollar also gives you ads for Ramsey's partners and other parts of his business which I find really annoying in a paid app."
Tip

Ask your EveryDollar sales rep about these costs upfront. Getting them in writing before signing can save you from surprise charges later.

Full hidden costs breakdown →

Intelligence sourced from 2 independent sources
industry Reddit User discussions
Key claims include inline source attribution. Data verified against multiple independent sources. 13 source citations total.

EveryDollar Contract Terms

EveryDollar contracts auto-renew. Changes require advance notice. These terms are sourced from verified buyer experiences.

Contract Terms
Auto-Renewal Yes
Mid-Term Downgrade Not allowed
Payment Terms Monthly or annual billing available
Price Escalation History of abrupt pricing changes with grandfathered users forced onto new pricing models without extended notice.
Based on 1 verified source

How to Negotiate EveryDollar Pricing

EveryDollar contracts are negotiable. These 6 tactics are sourced from real buyer experiences and procurement specialists.

Negotiation Playbook 6 tactics
Utilize Advertised Annual Discount high success

Take advantage of EveryDollar's advertised annual discount by choosing the yearly subscription over the monthly one, saving approximately 20%.

https://reddit.com
Leverage Promotional Offers high success

EveryDollar occasionally offers promotional discounts, such as a 1-year gift card for $49.99 during Cyber Monday, representing a $30 savings, or free trial periods for new users.

https://reddit.com
Choose Annual Billing for Maximum Savings high success

Paying $79.99/year instead of $17.99/month saves approximately $135.89 per year — about 63% off the monthly rate. This is the single largest cost reduction available and requires no negotiation, just selecting the annual option at checkout.

Current tier data (annual vs monthly pricing)
Use the 14-Day Premium Trial Before Committing high success

EveryDollar offers a 14-day free trial of the full Premium plan including bank sync and paycheck planning. Use the trial period to verify that bank sync works with your specific financial institutions before committing to an annual subscription.

Current tier data (trial terms)
Test Whether the Free Tier Is Sufficient medium success

If you are disciplined about manually entering transactions, the permanently free plan may be all you need. Several Reddit users report using the free tier successfully for zero-based budgeting without ever upgrading to Premium.

Reddit (multiple comments, 2024)
Contact Customer Service low success

While customer service can assist with switching between different Ramsey Solutions plans, there is limited success reported for direct price negotiation.

https://ramseysolutions.com
High success Medium Low / difficult

Full negotiation guide →

EveryDollar Pricing FAQ

01 Is EveryDollar free?

Yes, EveryDollar has a Free version for manual budget creation and spending tracking using zero-based budgeting. The Premium plan at $17.99/month or $79.99/year adds bank connectivity and paycheck planning.

02 Does EveryDollar have a free trial?

Yes, new users get a 14-day free trial of EveryDollar Premium with full access to all features including bank sync and paycheck planning.

03 What is the difference between EveryDollar and Ramsey Plus?

EveryDollar is the budgeting app. Ramsey+ ($129.99/year) is a broader membership that includes EveryDollar Premium plus Financial Peace University courses and coaching content.

04 How much does EveryDollar Premium cost?

EveryDollar Premium costs $17.99/month or $79.99/year (about $6.67/month). The annual plan saves you about $136/year compared to monthly billing, making it one of the largest annual vs. monthly discounts in personal finance apps.

05 EveryDollar vs YNAB: which is better?

EveryDollar Premium costs $79.99/year versus YNAB's $109/year, making EveryDollar about $29/year cheaper. Both use zero-based budgeting, but YNAB has a more flexible methodology and better long-term behavioral tools. EveryDollar is tightly integrated with Dave Ramsey's Baby Steps program, making it the better choice for Ramsey followers.

06 Does EveryDollar work well for couples budgeting together?

Multiple Reddit users mention using EveryDollar as a household budgeting tool. The app supports shared access, but specific multi-user features are not detailed in available sources. The zero-based budgeting method it follows is particularly popular among couples following Dave Ramsey's financial philosophy.

07 How does EveryDollar compare in price to YNAB?

EveryDollar Premium at $79.99/year is generally less expensive than YNAB, which multiple Reddit users note when comparing the two. YNAB offers a more flexible budgeting methodology (rolling with the punches), while EveryDollar follows Dave Ramsey's stricter zero-based approach. Both offer free trials. The right choice depends on which budgeting philosophy fits your household.

Is this pricing incorrect? — we'll verify and update it.