Which is better for budgeting: EveryDollar or YNAB?

Budgeting Tools and Software
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Which one do you think is better?

Years ago, my wife and I took a course called Financial Peace University. While we don’t follow all of its teachings anymore, it did help us get better at managing our money. Besides our mortgage, we have no debt.

Recently, we’ve been using a spreadsheet I made based on Dave Ramsey’s and YNAB’s budgeting systems. The issue is, we don’t check it often during the month. I want something we can both use on our phones. Since we’re used to zero-based budgeting, I think these two options are the best.

I’m leaning toward EveryDollar because it has a free version. I don’t feel the need to link our bank accounts. Even if I decide paying for a budgeting app is worth it, EveryDollar seems cheaper.

So, what do you think?

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I’ve tried both, and EveryDollar is super straightforward, especially since you’re used to Dave Ramsey’s system. The free version is great. YNAB is awesome too but pricier. If you want something simple and cost-effective, go with EveryDollar.

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People who’ve used YNAB in 2024 really seem to dig it. They’re saying it’s super user-friendly, whether you’re on your computer or phone.

And get this, users are saving some serious cashlike over 600 bucks in just two months and up to 6 grand in a year. That’s no chump change!

Now, it might take a minute to get the hang of it, especially with stuff like keeping your accounts in check.

But once you’re in the groove, it’s like having a financial GPS guiding you where you need to go.

YNAB’s even rolled out some new updates that make it easier for everyone to get on board, whether you’re a budgeting pro or just starting out.

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Due to its superior features, such as the ability to set numerous budgets, YNAB is the superior choice. Free trials are available from YNAB and EveryDollar, however only EveryDollar offers a free plan. The monthly cost of YNAB is $14.99, whereas EveryDollar Premium is $17.99. YNAB excels in promoting zero-based budgeting and offers real-time tracking, while EveryDollar simplifies budgeting with a structured approach based on Dave Ramsey’s principles and provides a free budgeting option.