EveryDollar is Dave Ramsey's zero-based budgeting app. Pocket Clear is a simple expense tracker. Different philosophies, different audiences. Here's how to choose.
Quick Comparison
| Feature | Pocket Clear | EveryDollar |
|---|---|---|
| Price | Free/$0.99/mo | Free/$79.99/yr |
| Philosophy | Simple tracking | Zero-based budgeting |
| Bank Linking | Not needed | Premium only |
| Setup | Instant | Budget planning required |
| Learning Curve | None | Need to learn methodology |
| Debt Payoff Focus | General tracking | Debt snowball built-in |
EveryDollar's Philosophy
EveryDollar follows Dave Ramsey's "Baby Steps" methodology:
- Save $1,000 emergency fund
- Pay off debt (debt snowball)
- Build 3-6 month emergency fund
- Invest 15% for retirement
- Save for kids' college
- Pay off home early
- Build wealth and give
The app is designed to support this specific path.
Pocket Clear's Philosophy
Pocket Clear is methodology-agnostic:
- Track expenses simply
- See where money goes
- Set budgets if you want
- Use any financial philosophy you like
When EveryDollar Works
- You follow Dave Ramsey's advice
- You have significant debt to pay off
- You like strict zero-based budgeting
- You're part of the Ramsey community
When EveryDollar Doesn't Work
- $80/year for bank linking (free version is manual)
- Dated interface compared to modern apps
- Rigid methodology may not fit everyone
- US-focused — doesn't work well internationally
When Pocket Clear Works
- You want simple expense tracking
- You're outside the US (works globally)
- You don't follow any specific methodology
- You value privacy (no bank linking)
- You want something free or very cheap
International Users
EveryDollar is very US-centric:
- Bank linking works only in US
- Terminology is American
- Less relevant for non-US financial systems
Pocket Clear works globally with multi-currency support (INR, GBP, EUR, AUD, etc.). Check out our country-specific guides for India, the UK, and Australia.
Price Comparison
| Period | Pocket Clear Pro | EveryDollar Premium |
|---|---|---|
| 1 year | $12 | $80 |
| 3 years | $36 | $240 |
Our Verdict
Choose EveryDollar if: You follow Dave Ramsey and need debt payoff tools.
Choose Pocket Clear if: You want simple, private expense tracking without a rigid methodology.
Try Pocket Clear
Simple expense tracking. No methodology required.