If you've ever wondered where your paycheck actually goes each month, EveryDollar was built to answer that question — and help you do something about it.^1 Created by Ramsey Solutions, the company founded by bestselling author and financial teacher Dave Ramsey, EveryDollar uses a zero-based budgeting method that gives every dollar a specific job before the month begins.^2
The app walks you through setting up a monthly budget, tracking expenses, and finding what Ramsey Solutions calls "margin" — money hiding in plain sight that could be going toward debt, savings, or generosity. New users uncover an average of $3,015 in budget margin during their first 15 minutes of onboarding.^1 With over 12 million total downloads and around 250,000 new users joining each month, EveryDollar is one of the most widely used budgeting apps in the country.^3
In January 2026, Ramsey Solutions relaunched EveryDollar with significant upgrades: personalized money plans, a margin-finding tool, daily bite-sized financial lessons, streak tracking, a financial roadmap that projects when you'll be debt-free, and access to live group coaching with real financial coaches — not just algorithms.^3 The company set an ambitious goal of driving $20 billion per year in financial transformation by 2030. In 2025 alone, EveryDollar users tracked $3.7 billion in debt paid above minimums and money given through tithing and charitable donations.^3
The free version lets you create unlimited budget categories, track spending manually, share a household budget, and set savings goals. The premium tier adds automatic bank transaction syncing, personalized spending recommendations, paycheck planning, net worth tracking, custom expense reports, and weekly live coaching sessions.^4
EveryDollar is deeply connected to the broader Ramsey ecosystem. It's built around Dave Ramsey's Baby Steps — a seven-step plan for financial peace that starts with a $1,000 emergency fund and ends with building wealth and giving generously. Churches across the country use Financial Peace University alongside EveryDollar to help congregations get control of their finances.^5 Thousands of EveryDollar users have shared debt-free stories — couples like Jeffrey and Julianne, who paid off $345,000 over seven years, and Jill, who wiped out $102,000 in student loans, medical bills, and IRS debt on her own.^6
Dave Ramsey's own story began after he and his wife Sharon filed for bankruptcy, which led him to search for truth about money — a search that ultimately led him to the Bible and to faith in Jesus Christ.^7 That foundation runs through everything Ramsey Solutions does. In 2020, the company bought $10 million in medical and car debt and completely forgave it for 8,000 people. Ramsey explained: "The answer is simple — to show the love of Jesus Christ. This whole completely forgiving a debt thing has been done before — by him."^8
