EveryDollar is Ramsey Solutions' zero-based budget: the free version is manual, and Premium connects your bank and plans around payday. Xpenses also has a free plan, and adds a forecast of what will be left at the end of the month. If you follow the Ramsey method, EveryDollar is built around it.
| EveryDollar | Xpenses | |
|---|---|---|
| Price | Free version; Premium $17.99/month or $79.99/year | Free plan; Pro $3.99/month or $34.99/year |
| Free trial or free plan | Free version with no time limit; 14-day Premium trial for new users | Free plan with no time limit |
| Platforms | Computer, phone or tablet | Web app on any device; iPhone and Android apps in preparation |
| Sharing | Household feature: couples manage one budget with separate e-mails | Pro covers a shared wallet for two |
| Bank connection | Free version is manual entry; bank connection is Premium | No bank connection needed: manual entry, statement import or photos of your banking app read on the device |
| Upcoming bills | Free: bill due dates; Premium: plan around payday and bill due dates | Month list of recurring bills, one-tap paid, month-end forecast on the free plan |
EveryDollar is the better fit if…
EveryDollar suits people following the Ramsey Baby Steps and zero-based budgeting, and those who want their bank streamed into the budget.
Xpenses is the better fit if…
Xpenses suits people who want a month-end forecast on the free plan, statement import without a bank link, and Pro at $34.99 a year.
Sources
- EveryDollar (Ramsey Solutions) (2026-10)
- EveryDollar in Ramsey+ (2026-10)
Xpenses prices and features as of October 11, 2026.