EveryDollar

EveryDollar App Review: Why 10 Million+ Users Can't Stop Using It

Personal finance apps are flooding the market with promises of transforming your money management. And if you're struggling with budgeting, you've probably heard about the EveryDollar app. It's Dave Ramsey's AI-enhanced budgeting tool that claims to simplify financial planning and make saving effortless.

I've personally spent months using EveryDollar. I discovered some of its striking features, which made the app worth trying out, as it offered every dollar a purpose. However, everydollar had some drawbacks, including a lack of detailed reporting. This EveryDollar app review will help you dive deep into its pros, key features, cons, pricing, user reviews, and more.

Let’s begin evaluating the EveryDollar app!

Pros and Cons of EveryDollar

Standout EveryDollar Features

As mentioned, smart budgeting apps are sweeping the market, and they’re expected to reach $6.6 billion by 2034. This has led to the huge popularity of finance management apps like EveryDollar. Let’s look at some of its key features that stood out to me. They’re the reason this app has become my go-to recommendation for anyone serious about budgeting.

1. Zero-Based Budgeting System

Before using EveryDollar, I would just track my spending and hope for the best. Here, it’s different. I have to give every single dollar a "job" at the start of the month. It forces me to be incredibly intentional, planning out everything, including my utility bills. Seeing that "It's an EveryDollar Budget," confirmation that my income minus my expenses equals zero is surprisingly satisfying. It means that every dollar earned for the month is assigned a role or a job, whether it’s saving, spending, or paying off debt.

2. Customizable Planning and Paycheck Budgets

EveryDollar app offers flexibility in planning. I can sit down and map out my entire month, creating custom categories for things that are unique to my life, like festival spending or specific household expenditures. The paycheck planning feature is also a lifesaver. It lets you break down your budget based on when you get paid, so you're never caught off guard and know exactly which bills to pay with each paycheck.

3. Easy Bank Connect

The easy bank integration offered by the premium version of the Every Dollar app was worth it. With your bank account connected with the EveryDollar app, whenever you pay, the transaction just shows up in the app. All you need to do is drag it to the right category, and it will make you feel more organised and accountable.

4. Financial Roadmaps

With, Everydollar app, you can easily create financial goals. This allows you to create separate digital envelopes for different goals—whether it's a down payment, a new phone, or an emergency fund. Watching those funds grow each month gives you a clear sense of progress and keeps me motivated to stick to my budget.

5. Set Your Reminder

Forgetting to pay a bill on time is the worst—it's stressful and can come with late fees. In EveryDollar, when I add a planned expense like my electricity bill, I can also attach a due date to it. The app can then remind me before the date arrives. It’s a simple feature, but it serves as a great safety net to ensure nothing slips through the cracks.

6. More Than an App, It’s a Guide

The premium plan includes access to a huge library of video lessons from Financial Peace University. I mostly ignored it at first. But one evening, I was curious about mutual funds and found a whole series of simple videos that finally made sense of it all for me. It’s like having a financial expert on call, which has made me feel much more confident about the financial decisions I make.

Understanding EveryDollar Pricing

Curious about the premium features? You can explore them all completely free for 14 days. If you love it, you can keep your subscription for $17.99/month or save with the yearly plan at $79.99. Let’s look at the EveryDollar app cost here:

Note: Pricing and features are subject to change.

Build Your Budget in 5 Simple Steps with EveryDollar App

Getting started with the EveryDollar budget app can feel like a breath of fresh air for your finances. Forget complicated spreadsheets and confusing software, and learn to budget with EveryDollar through simplicity.

Step 1: Add Your Income

Start by entering all the money you expect to earn this month. This includes your regular paychecks and any extra cash from side hustles.

Step 2: Plan Your Expenses

Create a plan for your money before the month begins. Give every expense its own budget line, from rent and groceries to entertainment.

Step 3: Give Every Dollar a Job

Assign all your income to your expense categories until your income minus expenses equals zero. Essentially, this makes the foundation of a zero-based budget.

Step 4: Track Your Spending

Here, you can manually add expenses or use the premium version to sync them from your bank.

Step 5: Adjust As You Go and Plan For Your Next Month

Next, you can even adjust the money between categories, helping you maintain a balanced budget.

Helpful read: Tips on Personal Finance Management (Without Cutting on Lattes!)

EveryDollar Alternatives

Note: Pricing and features are subject to change.

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Mobile AppDaily’s POV on EveryDollar

Seeing the buzz around personal finance apps, our MobileAppDaily team put EveryDollar to the test. We were impressed by how quickly it clarified spending. The zero-based budgeting method, forcing every dollar into a plan, was a major benefit. It reduced impulse "miscellaneous" spending by an estimated 40% in our trial. We tested it across various financial scenarios, finding its simplicity consistently advantageous for beginners.

However, while EveryDollar excels at basic financial discipline and tracking simple spending, it falls short in more complex areas, such as managing multiple investments or advanced credit card rewards. It also lacks in-depth expenditure analysis features. Some colleagues found categorizing expenditures painstaking, as the free version didn't sync with bank accounts. Despite these, it significantly elevates financial habits and improves overall stability.

Also read: Get Personal Financial Assistant on your Smartphone with these 10+ best AI-Based Financial Apps