EveryDollar pushes Dave Ramsey's baby steps. Great if you're a fan, limiting if you're not.
EveryDollar's Approach
- Zero-based budgeting (every dollar assigned)
- Follows Dave Ramsey's baby steps
- Part of Ramsey+ subscription
The Limitations
Price
$129.99/year for Ramsey+ (required for bank sync). That's expensive.
Philosophy Lock-in
Designed around Ramsey's specific approach. If you disagree with any baby steps, the app fights you.
No Investment Tracking
Ramsey focuses on debt payoff, not investing. The app reflects this.
Limited Customization
Categories are preset. Hard to adapt to non-Ramsey budgeting.
Who Should Use EveryDollar
Die-hard Ramsey fans who want his system in app form.
Who Should Look Elsewhere
- Anyone not following baby steps
- People who invest while paying debt
- Anyone who wants flexibility
Pocket Clear: No philosophy. Just track what you spend. Make your own decisions.
Start Tracking Together
Download Pocket Clear free. Simple expense tracking for couples and expats.