Check with your own bank. We bank with Arvest (out of Bentonville, AR) and they have a program similar to this, that comes with our Preferred Checking account, which only requires small balances in certain accounts. I'm very surprised that Ramsey has gone into something like this. He knows that people looking for this type of thing are in the same boat, but hopefully not as bad, as he was at one time, and certainly don't need any additional expenses added to their budgets. The program at Arvest keeps up with your deposits and lets you categorize every single expense on your statement. It isn't perfect, but it's helpful and it's free with our checking account. Come on Dave...we have followed you for over 20 years (saw you live in Chattanooga, TN back in the mid 90's) and have used your System since, and we try our best to recruit anyone who will listen. Please don't scare people away from your saving system by making them think you're just out to get into their pockets...which, as you know, by the the time they usually get to you, are probably empty and will be that way for a while unless they follow your advice. When we started following you, you screamed about programs like this and would've classified it as part of our "stuffitis" disease.🙃 We just love you and your programs and we owe so much to you because of the way we view money now. We want as many others to know how to do it and follow you too and STOP wasting their hard, earned money!
Needs More Features 3/5
My firm provided access to this app as a tool for us to use in bettering our financial futures. Unfortunately, it doesn't connect to American Express (either credit card or personal savings), so those of us who pay off our cards every month and use credit cards to build credit can't really benefit from the app. I like the interface; I love the idea. (Very similar to MoneyWell but much improved.) It just needs more features to be practical.
Best budgeting app ever! 5/5
This app is so easy to use and makes it so simple for my wife and I to make a budget every month. We are on our way to being millionaires thanks Dave!!!!
Great app! 4/5
Awesome app! Super intuitive and easy to use. I do suggest fixing the bug that won't allow a user to "Add Split" to a transaction entry without saving it first...to divide an amount between two categories, you must save it as one category, then go back and edit to add a second one. Should be a fairly simple coding fix. Otherwise it's great!
Will not work if you do not have internet 2/5
Ever travelled? Well, if I don't have at least two dots of Internet signal, then I cannot use this app. It needs offline capability for recording transactions.
I have been using this app for a long time and I love it! They have good updates coming and coming and the website is just great!y
Wonderful tool!!! 4/5
Despite the angry reviews, this app is completely free. You don't have to buy the upgraded version. However I do believe that $10 a month is expensive for an app, I would like to see that price go down in the future. I use the free version and it's extremely helpful for tracking my spending and makes my budgeting that much easier.
Stores all your data online 1/5
I could understand storing your data online if you needed to share it with your partner, but keeping this app from using the Internet makes it refuse to load at all.
I'd prefer my sensitive data not be stored online in more than the absolute minimum required places, which is why I didn't let it have access to my bank accounts and instead entered it manually.
It is Free.. Perfect for my needs! 5/5
The negative feedback saying it's not free is silly.. it's not necessary to have the 'plus' version.
I have been using this app FREE for months and I LOVE IT. It keeps me accountable and helps me keep on track.
I pay for something then open my app to track it.. simple and effective.
For those that feel it's necessary to have the plus version that you pay for... I say you're not gazelle intense. Do what needs to be done and quit spending money.
If you're trying not to eat sugar and your favorite cake is offered for dessert do you buy it & eat it? If the answer is yes.. you may stay in debt & end up with extra pounds. Remember it's about your attitude more than your $.
Thanks for the free every dollar app Dave! I love it! ⭐️⭐️⭐️⭐️⭐️
Can't sign on 1/5
By 75 Ryder
I can't even open this app. It keeps sending me emails to redo my password then I go to sign in and it tells
Me my email hasn't been verified. How has it not been verified --- I was just sent an email to that account to change my password. Whatever. I deleted this app without even having the chance to use it.
Good, not great 3/5
Love how easy the app is, but I would like to see more of the website features intergraded into the app. On the site, you can enter the principal balance of debt to help with your debt snowball. I would love see a debt pay off tracking screen. Every bit of motivation helps with snowballs and monthly budget meetings.
Thanks! Keep up the hard work and continuous improvement!
Not bad.... 3/5
I used every dollar for almost a year. It was useful in helping me track and control my spending, but for the expense ( I bought the $99 a year version so that my expenses could be automatically downloaded), I would have expected it to have a better system to connect to my bank. I stopped using it last January when my bank upgraded their system, effectively cutting me off (for the third time during the year) from Every Dollar. Customer Service was OK, but not stellar given the price. You can communicate using email or by phone. I preferred the phone version, but to talk to a person, you had to message your request and wait for them to call you. Of course the call would come through when I couldn't answer, and then I'd end up playing phone tag for a few days before I could talk to a real person. I would prefer to call and wait on hold instead. That said, the guys that provided service were pleasant- and it was nice to be able to talk to someone. If they could find a way to fix or upgrade these two areas I might consider investing in the deluxe version again.
Would like to see this in future 5/5
This is absolutely an amazing app. Me and my wife have been using it since January which is 8 months now and it is it has been very beneficial. I would recommend an update feature with the ability to link a checking account to the app and have the app auto populate all of the transactions as they have been so that all you have to do is a sign the transaction to the designated category. But overall this is a really great app I hope you take this into consideration.
Best budget app there is 5/5
These negative reviews are ridiculous. This app is 100% FREE like Dave Ramsey said and is by far the best layout and ease of use than any other budget app I have used! It does have the OPTION to upgrade for $10/month if you want it to connect to your bank account and be able to drag and drop your expenses easily into each category. I do agree that's a little expensive for an app, but could be worth it. I don't mind manually adding our expenses though and it has helped me and my husband cut down our unnecessary spending and find more money to tackle our debt or put in savings!
Easy but expensive 1/5
By Amanda weirds
Easy to input info. Easy to connect to banks, but expensive to do so at $9.99 a month. It is impossible to get the full use of this app without the banking connection. Free part is basically worthless.
Has potential 2/5
This has a lot of great aspects but costs $. Doesn't help me cut unnecessary spending if it charges for all options. Confusing when planning for the upcoming month.
I like the layout, it not the function 2/5
So I love the layout and simplicity of this app and don't mind paying the $99 per year for it. I do think it's a little high, but ok. What's not good about the app and pretty much makes it where I can use it is the account update. So I used mint along side this app and mint brought in transactions for last night, this morning. This app however hasn't even brought in expenses from yesterday or the day before. This is very concerning when you're trying to keep track of your spending. I emailed the company and received no response, which tells me they don't have a fix for this and I'm sure they know it's an issue.
Works great 5/5
App works great and putting in transactions is very quick and easy if you aren't lazy. Linking the bank account isn't necessary.
Don't purchase if you hate it 5/5
Everyone should have this APP and use it. Just because 2 people had issues doesn't depict the APP's features and financial assistance for your family.
Don't buy it if it fails product testing with the bank. They'll work that out. But download it and recommend it as the best free APP available.
By Ogle man
The wife and I were early adopters of EveryDollar and have come to love it. It has a good balance of simplicity and power.
NOT free. But Effective 4/5
This is probably the most expensive (or at least tied for the most expensive) budgeting app out there right now. That is my main criticism--Dave, lower your margin! No way you are charging anywhere near cost for this. One argument you might want to make about the cost is that it becomes an investment that encourages people actually use it rigorously. I would argue you can achieve that effect at a lower price, and still make a profit.
That being said, EveryDollar is also the only app that has actually gotten my wife and I to track and stick to a budget. No ads (ahem, Mint), and it lets you assign a job to every dollar you have coming in. It's pretty bare bones, but it has exactly what's needed to be a disciplined budgeter, in my opinion. I especially like it when you compare it to the latest generation of personal finance apps, which are really well-designed and surface some interesting information about your spending, but don't give you any control to actually budget (Clarity, Empower, Albert, etc).
I also love the Funds feature, but the Debt tracking feature needs work. For example, it doesn't track interest. It would be easy to use some of that profit to build out the feature set of reflecting your actual debt balance in the linked accounts.
Bottom line, it's an investment,
Leaves a lot to be desired 2/5
By Rahim C
Every time I go to enter an amount on my iPhone it goes blank, sure wish they could fix this.
Like it but not for $10 3/5
I do really like this app, I've used both it and Mint. I found this one to be the easiest and as a follower of DR of course this works the best with his financial plan. However, that said, I honestly don't think it offers enough to warrant paying $10/mo. Not sure whether I'll continue the bank sync option once my free trial runs out. That aside, great app & easy to use!
Great app! 5/5
Budgeting has changed my life!! This app is awesome and I recommend it to everyone!! This app works even better if you're following Dave's baby steps!
Don't normally leave reviews, but was pretty disappointed 1/5
App crashed multiple times when using it, transactions take several days to update. Disconnected from bank several times. Help section tells you to re-enter your bank login if transaction updates take more than a few days which I had to do at least 3 times. As you are viewing help section for these problems, the app inadvertently shuts off and you have to log back in. Customer service told me I am the cause and it was me that disconnected it. Functionality for funding annual bills was not prominent enough to keep a good eye on for me. Price is twice as high as others. I cancelled subscription after a few weeks.
Full disclosure 1/5
$10 a month to connect to your bank accounts. Free if you want to put in every transaction by manually.
App looks nice though.
Dave Ramsey would not recommend 1/5
Wow! I was SO incredibly excited to bring this up at our next budget meeting. So, when I sat down with my wife to share it with her and to look over it together, we quickly realized what many of you are realizing... unlike what Ramsey Solutions, Inc. are claiming... this software is NO WHERE near free. In fact, cost-wise, it is quite possibly one of the most expensive budgeting software programs I have ever seen. Dave quoted on the air that this software is "Free! And if you want to link your bank account then there is a SMALL fee because we have to pay for that so the cost is sent to you." I have never heard of a bank charging someone $8.25 to export transactions. Folks, this is what you're paying for. It currently costs me $3.00 to transfer transactions to my budgeting software. Where do they get the other $5.25 PER MONTH fee from? That is a total of $100 PER YEAR.... which is $1,000 for 10 years. With all due respect.... no thanks. I'll follow Dave Ramsey's teachings and NOT sign up for a subscription service and I will purchase more life insurance instead. I'm being facetious, but honestly it's quite hypocritical to charge this much. I love Dave's teachings... but this is just greed.
I gave it two stars because there is GREAT potential... Just factor out the greed (meaning create a one-time fee version of this product) and I'm in!
By Jeffrey Brooks Gibson
The app is great and free unless you don't want it synced with your bank account. How many crybabies are paying 12-13$ a month for Netflix? The fact that you are too stressed in your finances to pay 100 / year (less than most people spend at Starbucks) doesn't make it a 2 star app - it makes your review 2 star.
Financial Peace 3/5
This is zero based budgeting as taught by financial peace university. The app itself is fairly easy to use if you understand that and are on that plan. The premium version is expensive to use but if you are leading the gazelle herd and trying to squeeze every dollar (pun intended), manual input is easy once you do it once or twice. There are other budgeting apps that are better that you can do zero based budgeting with but they are usually not intrinsically set up for zero based budgeting. If you are new to this type of budgeting and following the Ramsey plan, keep things simple and use this app especially if you are new to budgeting and handling money responsibly. His plan works. This app works. Could it be better? Yes. Will it be better in the future? Yes. How could it be better? Write reviews with features you would like to see or bugs you would like fixed. Like this:
I would like to see two more tabs. The first one is a savings breakdown sheet and the second is an unexpected income sheet so that I can keep all the info in one spot.
A good start 3/5
I used the app without paying for a few months but decided to upgrade to link the bank accounts. I like the ease of using now that it is linked. I wish it allowed me to link my debts so I don't need to update my remaining amount every month.
By Birdy birdy man
Super confusing app and it's $10/mo. Use mint instead.
Stop complaining. This is free. 5/5
Dave Ramsey wants people to be intentional with their money and budgets, and what better way to do that than to have an app where you have to enter everything manually? Even if I wanted to spend money on the souped-up version and give a company access to my banking info, I wouldn't because I, like many of us, need a gear-shift in my way of thinking and spending. Stick with it. We're all adults here; we can keep track of things without having it done for us automatically.
Regarding the actual app, I love it. I love how you can tinker with it, that it carries a budget from one month to the next so you don't have to enter everything again. There are things here and there that I would like to see work a bit differently, but on the whole, it is super easy to use and helps us see where our money is going. Sticking with it has been hard, but that's our failure, not the app's. One thing I don't know because my husband doesn't have a smart phone, is whether you can link multiple devices to one budget, an EveryDollar Couples or EveryDollar Family.
Too expensive 1/5
By Jeff lafleur
Comical a budgeting software app costs 100 a year. Silly
Too expensive 1/5
Wow come on $10 a month nope
Downloaded w/o me asking? Only 1 review? 1/5
By His Dancing Pearl
I questioned why this was downloaded on my iPhone? I didn't ask for it to be downloaded so before entering my information I decided to go check the app out and found that it was created by trusted Dave Ramsey but when I read the one reviewer, and there is only one reviewer, I question whether I want to use this app and take my precious time doing this. I make my own budget simple and easy!!
Every Dollar Rocks!! 5/5
Thank you, Dave, and your team for this app. It's so easy to use and keeps us on our budget. Love it!!
excellent tool 5/5
This tool is not only a great tool for me to plan out a monthly budget but also a simple tool to quickly record my every dollar. I am using this app every before and after opening my wallet. It is a free app to download. But it is priceless that the financial behavior changes it brings to us.
MAJOR Glitch! 1/5
App is off from my bank statement by $45.67! Thankfully, in the positive & not negative. I manually (old school paper & pen, then with paper, pen, & calculator) redid EVERYTHING. So it's definitely not me. It's the app. So I'm switching to Mint. Which has a lot more features as well. I simply can't trust this app which is a HUGE deal when it comes to finances.
Excellent free budget app 5/5
This is such a great tool that we started using about a year ago. We are so grateful to find something that is cost effective (free!) and easy to use. I can add purchases and make changes from my iPhone.
Love it and the Ramsey teachings. Thanks for putting out an awesome tool!
Hard to create account 3/5
Every time I try to enter a password to create my account it says: wrong password try again! I followed requirements every time, but it will not allow me to use any of them. Bummer!
Password issues 1/5
No mater what I do it says wrong password.
Been out Too long. 2/5
I just started listening to Dave again after many years. I keep hearing him recommending Everydollar to the majority of callers.
I loaded the free app and started to set up a monthly budget. That was simple enough but the app is lacking, considering that it has been out for a couple years. It falls short in functionality. There is no way to update future data without manual entries. Even if one updates the current month, it will not update the consecutive months.
It was enough to get me thinking though and create my own excel budget sheet which does more of what I prefer.
Still, Dave continues to give sound, common sense advice I appreciate.
Love it! 5/5
I've always struggled to find just the right platform to help me manage my money. This is fabulous! Let's me track every single transaction with drag and drop ease.
Won't let me post my review !!! 1/5
Had to try this 10 times already , first the app is glitchy when you make your account keeps saying password is incorrect when I'm just entering it for the first time , so in short can't make an account , but one thing that was annoying about the password also is that it requires a special character and that's gonna be hard for ppl to remember who use one code for all accounts
Update gone wrong 1/5
The June 15 update took away the option to add a new item. 😒👎🏽👎🏽👎🏽👎🏽
Consistent errors when attempting to verify my email. Unfortunately I was never even able to log in.
So easy to use! 4/5
First off I don't normally review anything but this app is great! Very easy to use and it's simple. My husband and I both have it on our phones so we both can keep it current as we spend. We do not pay the monthly fee and don't plan to. You can definitely use this app without it. Gets us talking about our spending on a regular basis and helps us curb the unnecessary. I took off a star because I do wish that there was a way to adjust the budgets without having to recalculate them. A simple take from one envelope and add to another one option would be awesome and would make it 5 stars for me. Otherwise this is a great app and has replaced mint for us.
Too expensive 1/5
By Poppy Paisley
$10 per month? Not worth it. At all.
The Best! 5/5
My wife and I use this app. This app makes budgeting easy. Nice interface and simple to use.
Good for basic budgeting 4/5
Easy to use but I wish you could export it from the app.