Tool profile
EveryDollar: cost, fit and limits
EveryDollar is a budgeting app from Ramsey Solutions, with the maker listed as Lampo Licensing, LLC, that offers a free manual budget and a Premium tier adding bank connection, planning tools and coaching for people who follow a paycheck-based plan.
What to know first
EveryDollar's free version has no time limit and includes unlimited categories and lines, manual transactions, sinking funds and split transactions. Premium is $79.99 billed annually or $17.99 monthly, with a 14 day free trial for new users, and adds bank connection, payday planning, reports, CSV export, net worth projection and coaching. The page describes no AI feature, and the maker's privacy page could not be opened, so data handling is unchecked. Ask Ramsey AI appears only in the site navigation.
EveryDollar at a glance
| Maker | Lampo Licensing, LLC, Not stated on the vendor pages |
|---|---|
| Free plan | Yes |
| Entry price | Free (Free Version) |
| API access | No |
| Category | Best AI Personal Finance Apps in 2026, rank 8 of 11 |
| Website | ramseysolutions.com/money/everydollar |
Who EveryDollar is best for
Hand budgeters
The free version supports a monthly budget with unlimited lines and manual transaction entry, which suits people who like to type in each purchase and keep full control of the numbers.
Ramsey method followers
The product page ties budgeting to a roadmap and coaching offered in Premium, so people already following Ramsey's approach get the plan and the tool from the same publisher.
Paycheck planners
Premium plans spending around payday and bill due dates, which helps people paid on a fixed schedule line up each bill with the paycheck that will cover it.
EveryDollar plans and pricing
| Plan | Price | What it includes |
|---|---|---|
| Free Version | Free, no time limit | Monthly budget, unlimited categories and lines, manual transactions, sinking funds, split transactions, bill due dates and live-person support when needed |
| Premium, annual | $79.99 billed annually | The free features plus bank connection, payday planning, custom reports, CSV export, roadmap, net worth projection and coaching, after a 14 day trial |
| Premium, monthly | $17.99 billed monthly | The same Premium features billed monthly, which comes to $215.88 over a year and $135.89 more than the annual price |
Checked November 2026.
What EveryDollar does
- Unlimited categories
- The free version has no cap on budget categories and lines, so a detailed budget with dozens of lines is possible without paying for an upgrade.
- Sinking funds
- Included in the free version for saving toward known costs such as car repairs or holidays, so those goals sit in the budget instead of a separate note.
- Split transactions
- One purchase can be divided across several categories at no cost, which helps when a single store receipt covers groceries, household items and a gift.
- Bank connection
- Streams transactions into the budget automatically, but only on Premium, so the free version leaves transaction entry to you and the budget is only as current as you keep it.
- Payday planning
- Plans spending around payday and bill due dates, on Premium, so each pay period can be set up with the bills that fall due before the next paycheck arrives.
- CSV export
- Budget data can be exported on Premium, so leaving the app later is possible, while free users have no export listed on the page that was opened.
How EveryDollar handles your data
EveryDollar's data handling was not checked for this review: the privacy policy page returned a 404 when opened, so training, retention, hosting and certifications are not described. The product page names no AI feature and shows Ask Ramsey AI only in the site navigation, not within the app. Read the maker's current privacy terms before connecting a bank account to the Premium bank connection.
Where EveryDollar falls short in practice
- Paywalled bank link. Bank connection and CSV export are Premium only, so the free version means typing every transaction yourself and you cannot export what you have entered.
- Monthly cost. At $17.99 billed monthly, Premium costs $135.89 more over a year than the annual price, so the monthly option is worth taking only for a short trial of the paid tier.
- Currency unstated. The page shows a dollar sign without naming the currency, and the maker's country is not stated on the page, so a non-US buyer cannot confirm what they will be charged.
Works with
Alternatives to EveryDollar
EveryDollar: common questions
Is EveryDollar really free?
Yes, the free version has no time limit and includes unlimited categories and lines, manual transactions, sinking funds, split transactions and bill due dates. Bank connection and CSV export require Premium, which is $79.99 a year as of November 2026.
How much is EveryDollar Premium?
Premium is $79.99 billed annually (about $6.67 per month) or $17.99 billed monthly, with a 14 day free trial for new users. It adds bank connection, payday planning, custom reports, CSV export, a roadmap, net worth projection and coaching to the free features.
Does EveryDollar have an AI assistant?
The product page names none. Ask Ramsey AI appears in the site navigation and is not described as part of EveryDollar. Premium coaching is described as a coaching offer, not as an AI feature, so no AI claim is made here for the app.
Can I connect my bank to free EveryDollar?
No. Bank connection that streams transactions is listed under Premium. The free version uses manual transactions, so budgeting stays hand-entered unless you upgrade, and the 14 day free trial is the way to test the connection before paying. Free users can still budget by hand.
What does EveryDollar do with my data?
This was not checked: the privacy policy page returned a 404. The product page lists no retention, hosting or certification details, so confirm them with Ramsey Solutions before linking accounts, especially because Premium streams bank transactions into the app on an ongoing basis.