Choose EveryDollar if
you follow Ramsey's zero-based method, you're happy entering transactions by hand, and you want it free.
Choose Alluvium if
you want bank connections without paying $79.99 a year, and you'd rather plan in a few percentage buckets than a line for every expense.
At a glance
| EveryDollar | Alluvium | |
|---|---|---|
| Method | Zero-based: give every dollar a job | Buckets for the plan, categories for what each purchase was |
| Free option | Free forever with manual entry | No; live demo without an account |
| Paid price | Premium $17.99/month or $79.99/year | $7.99/month or $59.99/year |
| Trial | 14 days, new users | None; first payment refundable within 30 days, once |
| Bank connections | Premium only | Included |
| Couples | Each spouse has a login on one shared budget; one Premium covers both | Partner joins your subscription with their own account |
| Platforms | iOS, Android and web | Any modern browser, installable |
Sources: EveryDollar on Ramsey Solutions, household sharing, spouse accounts.
Where EveryDollar is stronger
The free tier is genuinely usable: unlimited categories, sinking funds and splits, with both spouses on one budget at no cost. Entering transactions by hand is deliberate; many people find it keeps them honest. If you already follow Ramsey's plan, EveryDollar fits it by design.
Where Alluvium is different
Alluvium starts from a few buckets, such as 50/30/20 or giving first, rather than a line for every expense. Categories stay detailed for reports, but the plan you check mid-month is short. Here's how buckets and categories differ.
Bank connections are included in the price, so the comparison that matters is Alluvium at $59.99 a year against EveryDollar Premium at $79.99. If you're happy entering transactions by hand, EveryDollar's free tier beats both.