EveryDollar is free if you enter every transaction by hand. Bank sync needs EveryDollar Premium, which costs $17.99 a month or $79.99 a year and no longer requires Ramsey+. Spense does zero-based budgeting with bank sync for $2.99/mo or $24.99/yr after a 14-day free trial, on iPhone and Android. Prices checked October 4, 2026.
| Feature | EveryDollar | Spense |
|---|---|---|
| Free Plan | Yes, manual entry only | No (trial, then Pro) |
| Premium Cost | $17.99/mo or $79.99/yr | $2.99/mo or $24.99/yr |
| Free Trial | 14 days of Premium (new users) | 14 days — no card required |
| Bank Sync | Premium only | Pro plan |
| Zero-Based Budgeting | ✓ | ✓ |
| Auto Budgeting Mode | — | ✓ (Spense Magic) |
| Envelope Categories | ✓ | ✓ |
| YNAB Import | — | ✓ |
| Coaching | Premium (group + one-on-one) | — |
EveryDollar's free version is a real zero-based budget: unlimited categories, sinking funds, split transactions and bill due dates. What it leaves out is the bank. Every transaction goes in by hand. Bank connect comes with Premium, along with paycheck planning, custom reports, a debt payoff tracker and group and one-on-one coaching.
What happened to Ramsey+?
Ramsey+ used to bundle EveryDollar Premium with Financial Peace University. Ramsey no longer sells it, and existing members keep their access. Today Premium is sold on its own at $17.99/month or $79.99/year. If you also want the course, Financial Peace All Access ($129.99 the first year, then $119.99) includes 12 months of Premium.
Affordable Bank Sync
Spense Pro at $24.99/year includes bank sync. EveryDollar Premium is $79.99/year, so the yearly plan saves you $55.
Two Ways to Budget
Classic Mode is zero-based: you assign every dollar and review each transaction. Spense Magic categorizes and budgets from your spending for you. You can switch between them, and either works with manual accounts if you never want to link a bank.
Just the Budget
Spense is a budgeting app and nothing else: no courses or coaching to buy alongside it. If you want Ramsey's courses and coaching, that is a point for EveryDollar.
YNAB Import
Coming from YNAB? Spense imports your YNAB export. EveryDollar doesn't import files at all, so you would start from scratch.
Both apps follow zero-based budgeting principles — giving every dollar a job. The difference is in execution and value:
EveryDollar
Spense
EveryDollar might still be right for you if:
Spense is better if you:
If you budget the Ramsey way and are happy typing in every transaction, EveryDollar's free version is hard to beat on price. If you want bank sync, Spense gives you the same zero-based method for $24.99/year instead of $79.99, plus the option to let Spense Magic do the budgeting when you need a break. Coming from YNAB? The YNAB import guide walks through bringing your data over. Rather not link a bank? Add a manual account instead.
Want the thinking behind Spense before you switch? Read The Spense Method — the four rules behind everything the app does.
No. Ramsey no longer sells Ramsey+ (existing members keep their access). EveryDollar Premium is sold on its own at $17.99 a month or $79.99 a year, and Financial Peace All Access includes 12 months of it.
Yes, there is a free version you can keep using: a zero-based budget with unlimited categories, where you enter transactions by hand. Bank connect, paycheck planning, reports and coaching are Premium.
On yearly plans, Spense is $24.99/year and EveryDollar Premium is $79.99/year, a $55 difference. Monthly, it is $2.99/month against $17.99/month. Spense has no free plan: it starts with a 14-day free trial, no card.
Not from a file. EveryDollar's help center says it does not import bank statements or CSV, QIF, QFX or OFX files. Spense imports YNAB's own CSV exports.
EveryDollar and Ramsey prices and features checked October 4, 2026 on Ramsey's own pages (the EveryDollar help center and ramseysolutions.com). Spense is $2.99/month or $24.99/year after a 14-day free trial, no card. See pricing.
Try Spense free and give every dollar a job.
Keep exploring envelope budgeting and financial wellness
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