EveryDollar pricing 2026: is it free, and what Premium costs

EveryDollar plans and prices

Ramsey's plans page shows two plans, Free and Premium, and Premium has a monthly and a yearly price. The App Store shows more, which we cover below. Prices are in US dollars, before tax.

The last row, Ramsey+, is listed only on the App Store. The yearly Premium plan is the one to compare: $79.99 is $135.89 less than twelve payments of $17.99 ($215.88). If you pay for Premium at all, yearly is the cheaper way unless you plan to use it for only a month or two.

What the free version does

A free version you can use as long as you want. It has a monthly budget, unlimited categories, manual transactions, sinking funds, split transactions, bill due dates and live-person support. It does not import transactions from a bank.^[1][2]

That is a complete zero-based budget: you plan every dollar before the month begins so income minus expenses equals zero. The catch is the typing. Without bank import, you enter each transaction yourself. For someone who likes the habit of logging what they spend, that is the point; for everyone else it is the reason to pay. The free version also runs on a computer, phone or tablet.

Because it never ends, the free version answers the question "is EveryDollar free" with a yes, with a limit. Our list of the best free budgeting apps shows how it compares with other free options.

What Premium adds

Premium is where the bank connection lives. From Ramsey's pages and the App Store:

• Premium imports transactions automatically from connected accounts. Ramsey says it uses Mastercard Connect and Plaid.^[1]
• Premium plans spending around payday and bill due dates.^[1][2]
• Custom reports and spending comparisons, plus CSV export, on Premium. The App Store also lists Excel export.^[1][3]
• Premium adds net worth tracking and a financial roadmap for long-term goals.^[1][3]
• Premium includes live Q&A with coaches, and group or one-on-one coaching.^[1]

Reviewers treat bank import as the thing they are paying for. Two say its reliability is the weak spot: one July 2026 review says the app "continually drops bank connections", and another says weekend transactions show up on Tuesday or Wednesday.

The free trial

Premium includes a 14-day free trial, for new users only.^[1]

One October 2026 reviewer calls it a "7 day trial" and questions paying $80 a year. The plans page is the source we use, 14 days, but the two don't agree, so look at the length on the screen where you start it and put the end date in your calendar.

Free or Premium: a way to decide

Count the transactions you would type in a month. If it is a few dozen and you like keeping a close eye on them, the free version costs you ten minutes a week and nothing else. If it is a hundred or more across several cards, or if you tend to skip the logging by the second week, the $6.67 a month for Premium buys back that time. Use the 14-day trial to find out which you are, and start it at the beginning of a month so you see a full cycle of bills and paydays.

Two things to keep in mind either way. The free version includes live-person support, so you aren't paying for help. And Premium's coaching, net worth tracking and roadmap matter only if you will use them; the bank import is the feature most reviewers name.

Plus and Ramsey+: what the App Store lists

The App Store also lists EveryDollar Plus at $12.99 (one listing shows $7.99), and shows $12.99 for Premium monthly on one listing against $17.99 on another. The plans page shows only Free and Premium.^[1][3]

Ramsey+ is listed as an in-app purchase on the App Store, at $59.99 for three months and $129.99 for a year. Ramsey's plans page doesn't describe it, and the pages we read don't say what it includes or whether it covers EveryDollar Premium. Treat it as a separate product until its own page says otherwise. If you want EveryDollar alone, the plans page's Premium at $79.99 a year is the lower figure, against $129.99.

So the same app can show you several prices depending on where you look. Decide where you will pay first, then read the price on that screen.

What it costs for two people

A Household feature lets a couple manage one budget together, even when each partner signs in with a separate email. The page does not say whether it is free or Premium only.^[1][2]

If Household is part of the free version, a couple pays nothing. If it is Premium only, a couple pays one subscription, $79.99 a year on the plans page. We don't know which, so ask before you build a budget around it. Not stated. The pages describe one shared budget, not separate views.^[1][2] Nothing we read describes splitting a bill between two people.

Couples who want to keep some money separate have more options in our roundup of budgeting apps for couples, and the YNAB vs EveryDollar comparison covers the nearest paid rival.

Cancelling and refunds

The plans page does not mention a refund policy. Purchases made through Apple or Google Play are cancelled and refunded through them.^[1]

The pages we read don't give cancellation steps for a web subscription; Ramsey's help center is the place to check. A July 2026 reviewer says no refund was offered after 30 days. If you subscribe, do it with the trial in mind: cancel before it ends if you aren't sure.

EveryDollar against other budgeting apps

Is EveryDollar worth it?

For the free version, the answer is easy: it costs nothing, and it has a 4.7 rating on the App Store from 84K ratings. One May 2026 reviewer wrote that they found $5000 of margin in the first month with no upsells.

For Premium, it depends on whether bank import saves you enough effort. It suits you if:

• You follow Ramsey's Baby Steps and want his method in an app.
• You want to plan every dollar before the month starts.
• You want coaching included with the subscription.

It is a weaker fit if:

• You want a single clear price: the plans page and the App Store disagree.
• You split transactions a lot: a June 2026 reviewer says an update removed it.
• Android matters: its Google Play rating is 4.3, against 4.7 on the App Store.

Alternatives in short form

• YNAB: $14.99 a month or $109 a year, a 34-day trial and no free plan. One subscription can be shared with up to 5 more people. See YNAB vs EveryDollar.
• Goodbudget: a free plan with 20 envelopes in all, or Premium at $10 a month or $80 a year with bank sync.
• Honeydue: free for everybody, with an optional monthly tip, and built for two.
• PocketGuard: $74.99 a year, $12.99 a month or $149.99 once, with a 7-day trial.
• Monarch: $14.99 a month or $99.99 a year, a first week free and a partner included.

More zero-based options are in our best zero-based budget apps.

Where Wonderful fits

We make Wonderful, so take this as a disclosure first. It costs $14.99 a month or $99 a year for the whole household, with a free week to start and no free plan after it, so it is not an answer if free is the requirement. It connects your banks through Plaid, gives every paycheck a plan, and lets each partner choose what the other sees. Shared costs are split with a running total of who owes whom.

It has no iPhone or Android app yet and no free plan. If you want Ramsey's method, coaching, or a free budget you type into, EveryDollar does that and Wonderful doesn't.