One-time-purchase Mac app for envelope-style budgeting with data kept in a local file
- Envelope
- Zero-based
- Expense tracking
EveryDollar
Zero-based budgeting app from Ramsey Solutions with a free manual tier and paid bank sync.
Research-based review, not hands-on testing. Last researched .
Overview
EveryDollar is a zero-based budgeting app where income is assigned to categories each month. The free version relies on manual transaction entry; Premium adds automatic bank connection, a debt payoff tracker, CSV export and coaching access. It is published by The Lampo Group and ties into Ramsey's debt-payoff approach.
Best for: Households following a monthly zero-based plan who are fine with manual entry or willing to pay for bank connect.
Pros and cons
Pros
- Free version has no time limit and supports unlimited custom categories
- Debt payoff tracker and coaching options are available on Premium
- App Store rating 4.7 from about 84K ratings
- Frequent updates: version 2026.9.28 was released a day before this review
- Premium price is a flat two options with a free 14-day trial
Cons
- Automatic bank transactions require Premium at $17.99/month or $79.99/year
- Help center says CSV export is Premium-only, month by month, and file import is not supported
- Mobile app and Premium are available only in the United States
- Reviewers complain about UI changes and how sinking-fund contributions affect monthly totals
- Tied to one company's financial philosophy and coaching upsell
Features
- Envelope budgeting not confirmed not confirmed
- Automatic bank sync included
- Manual transaction entry included
- Goal tracking not confirmed not confirmed
- Debt payoff tools included
- Investment tracking not confirmed not confirmed
- Bill reminders not confirmed not confirmed
- Reports & charts included
- Multi-currency not confirmed not confirmed
- Shared / household budgets not confirmed not confirmed
- Separate logins for shared budgets not confirmed not confirmed
Zero-based monthly budget, unlimited categories, manual and automatic transactions, debt payoff tracker, reports, weekly trainings, coaching
Our review
Short version
EveryDollar is a zero-based budgeting app where income is assigned to categories each month. The free version relies on manual transaction entry; Premium adds automatic bank connection, a debt payoff tracker, CSV export and coaching access. It is published by The Lampo Group and ties into Ramsey's debt-payoff approach.
Quick profile, not a full review. Built on 2026-09-29 from the vendor site, store listings and public sources. No hands-on testing: I did not sign up, start a trial or connect a bank.
Cost
- Free tier; Premium $17.99/mo
- Premium $79.99/yr
- Trial: 14 days free for new Premium users
Not confirmed
Founding year; Envelope-style features (funds) detail; Goal tracking, bill reminders, shared budgets, investment tracking; Multiple budgets; Google Play rating.
Notes
Third-party pages and older App Store items mention Ramsey+ and other price points ($12.99, $129.99); the vendor help center states $17.99/month or $79.99/year for Premium.
Ratings are set separately against a shared rubric.