Most of us would say that managing money is important. Especially now, when 57% of Americans report they're living paycheck to paycheck in 2025. That means a single emergency expense could push most Americans into financial strain. Something we can all relate to. If that sounds familiar, it’s probably time to find a budgeting app that helps you save money every month. 

Truebill and EveryDollar approach financial pressure from two very different angles.  

Truebill is like your personal financial assistant, automatically finding hidden subscriptions, canceling unwanted charges, and even negotiating lower bills—perfect if your busy lifestyle demands a hands-off approach. EveryDollar, meanwhile, puts you firmly in control, helping you carefully assign every dollar to a specific goal through a detailed, zero-based budget. 

Below, you’ll see a side-by-side look at what each app offers, how much they cost, and the pros and cons that really matter in daily life—so you can make an informed decision.  

Truebill Vs EveryDollar: At A Glance

Features 

Truebill 

EveryDollar 

Budgeting Method 

Zero-based budgeting with automation and suggested budget splits 

Zero-based budgeting with full manual control 

Paycheck-Based Budget Planning   

Not supported; shows full-month overview only 

Premium version lets you plan by paycheck and bill due dates 

Bank Syncing 

Available on free plan; automatic syncing with real-time updates 

Only in Premium; manual entry required in free version 

Bill Reminders 

No active reminders; detects recurring bills only 

Custom reminders and due-date alerts included 

Saving Tools 

Auto-saves small amounts; cancels subscriptions; negotiates bills 

Manual savings via Sinking Funds; no automation 

Pricing 

Free version available; Premium $6–$12/month; 7-day trial included 

Free version available; Premium $17.99/month or $79.99/year; 14-day trial 

What Is Truebill?

Truebill (now known as Rocket Money) is a powerful personal finance app that puts users back in control of their money. With over 5 million people trusting the platform, it helps individuals track subscriptions, negotiate better bills, and automate savings - all designed to improve financial health effortlessly. 

The app's effectiveness was nationally recognized when it received the 2022 ‘Savings Champion award’, highlighting its exceptional impact during America Saves Week. This prestigious honor underscores its proven ability to help users develop smarter savings habits and eliminate wasteful spending. 

While helpful for all, Truebill excels for freelancers, gig workers, young professionals with multiple subscriptions, and busy households managing recurring expenses.  

Standout Features Of Truebill

  • Subscription Management: It automatically identifies recurring subscriptions from your connected accounts and allows you to cancel unwanted subscriptions directly through the app
  • Bill Negotiation Services: Truebill can negotiate bills (such as cable, internet, and phone) on your behalf to try to lower your monthly payments. If successful, it charges a percentage of your first year’s savings
  • Credit Score Monitoring: It gives you full access to your credit report, shows what affects your score (like payment history and credit usage), and sends real-time alerts when your score changes—so you’re always prepared

Pros And Cons Of Truebill

Pros 

  • Sends alerts for unexpected or recurring charges (like gym memberships or Prime) 
  • Helps cancel unused subscriptions and manage spending automatically 
  • Can contact service providers to secure lower rates or discounts 

Cons 

  • Requires frequent re-authentication of bank accounts, which some users find annoying 
  • Customer service is unresponsive, often failing to resolve basic issues 

What Is EveryDollar?

EveryDollar is a budgeting app that helps users take control of their money with a simple, proven approach. Designed around the zero-based budgeting method (where every dollar gets a purpose), it's been downloaded over 10 million times by people looking to better manage their finances. 

What sets EveryDollar apart is its perfect blend of practical tools and financial education. While the app makes it easy to track income, plan expenses, and monitor progress toward goals, it also offers access to an extensive library of 1,500+ expert articles. These resources cover everything from basic budgeting to advanced topics like debt payoff strategies, retirement planning, and real estate investing. 

This makes it ideal for gig workers (managing variable income), couples merging finances, and solo entrepreneurs. It adapts to your cash flow while teaching smarter money habits.  

Standout Features Of Everydollar

  • Paycheck Planning: Users can plan their budgets around paychecks, allocating income to categories as it arrives, which helps with cash flow management for those paid on non-monthly cycles
  • Live Financial Coaching: As part of EveryDollar Premium, you get access to unlimited live Q&A sessions with trained Ramsey financial coaches. These sessions allow you to ask real-time questions on budgeting, debt payoff, goals, and more
  • Dave Ramsey’s Baby Steps: This system is built by Ramsey Solutions and directly integrates with Dave Ramsey’s ‘Baby Steps,’ guiding users through a step-by-step financial plan for saving, debt repayment, investing, and wealth-building

Pros And Cons Of EveryDollar

Pros 

  • The app provides a clear pie chart view of budgets
  • Alerts users to unknown or forgotten subscriptions they may be paying for
  • Offers flexibility with personalized budgeting rules and labels

Cons 

  • iOS version reportedly has more frequent bugs and bank syncing delays than Android
  • No option to use your preferred interest-earning account for savings goals — EveryDollar limits you to theirs

Truebill Vs EveryDollar: Key Feature Comparison

Budgeting Method

EveryDollar uses something called zero-based budgeting, which means you give every dollar you earn a job—whether it’s for rent, groceries, or anything else—until there’s nothing left unassigned. This gives you full control, but it’s also very manual. You have to sit down at the start of each month and decide exactly how much you’ll spend in each area. It doesn’t suggest amounts for you, so it’s all based on what you decide.

Truebill, on the other hand, also supports zero-based budgeting, but it’s more flexible and a bit more automated. Instead of starting from scratch each month, it looks at your income and past spending to suggest how much you should budget in different areas. It also guides you through a step-by-step flow—first you input your income, then your bills, then it helps you plan the rest. The app offers educational content recommending a 50/20/30 split: 50% to needs, 20% to savings/debt, and 30% to wants. This setup feels faster and easier if you don’t want to figure everything out manually.

Winner: Truebill wins for offering a more user-friendly and automated approach.

Paycheck-Based Budget Planning

If you live paycheck to paycheck, have irregular income, or get paid multiple times a month, EveryDollar (Premium) may give you more advantage. It lets you reserve your funds for bills—so you can plan spending around your paydays and due dates. This helps prevent situations where you overspend early in the month and don’t have enough money left for bills that come later.

Truebill doesn’t support this kind of planning. It shows your total monthly income and expenses, but you can’t break it down by the pay period. That means it’s harder to time your spending if your income doesn’t come in all at once. So, if your cash flow changes week to week, EveryDollar gives you more control. But if you just want a full-month view and some helpful insights, Truebill still works well.

Winner: EveryDollar wins this round for its paycheck-based planning, which is especially useful for users with irregular income or multiple paydays.

Bank Syncing

With EveryDollar, bank syncing is only available if you pay for the Premium version. Once you upgrade, it connects to your checking, savings, and credit card accounts and pulls in your transactions automatically. This saves you from having to enter every expense by hand and keeps your budget up to date. But if you're on the free version, you’ll need to add everything manually.

Truebill, by comparison, offers bank syncing even on its free plan. You can link your accounts and see your spending update in real time without paying anything. However, certain advanced features like manual sync controls and additional features may still require a Premium upgrade.

Both apps allow bank account syncing, but the user experience varies, a point we've already covered in our discussion of their pros and cons. Before choosing the best app for you, it’s worth considering those insights.

Winner: Truebill wins for offering free bank syncing, making it more accessible for users who want real-time tracking without paying upfront.

Bill Reminders

EveryDollar lets you set custom reminders and gives you due-date alerts for upcoming bills. This means the app can notify you when it's time to make a payment or review your budget. These reminders are useful if you need a little extra help remembering to take action on time.

Truebill, meanwhile, doesn’t send notifications or alerts for upcoming bills. But it does automatically detect your recurring bills and subscriptions and display them in a dedicated section. This gives you a clear view of what’s due soon—but you’ll need to open the app and check it yourself, since it doesn’t actively remind you.

Winner: EveryDollar wins this round for offering a clear advantage by actively reminding users about upcoming bills, reducing the risk of missed payments.

Saving Tools

EveryDollar focuses on manual, budget-based saving. It uses a feature called Sinking Funds, where you plan for future expenses (like car repairs or holidays) by setting money aside each month in a budget category. These funds roll over month to month, and you can track your progress as you build toward specific savings goals. However, it doesn’t move your money or connect to a savings account—you’re in charge of setting the amount and following through.

Truebill, in contrast, gives you more automation. Its Financial Goals feature (formerly called Smart Savings) can automatically move small amounts of money from your checking account into a custodial savings account held at an FDIC-insured partner bank. You can set it to save aggressively or comfortably, or choose a fixed amount and schedule. One of its most helpful features is that it helps you save by canceling unused subscriptions and even negotiating bills to lower your monthly costs—something EveryDollar does not support.

Winner: Truebill wins this round for offering automated savings and active cost-cutting tools like subscription cancellation and bill negotiation.

How Much Does Truebill And EveryDollar Cost?

Truebill offers a free plan with basic budgeting and subscription tracking. If you need more advanced features, you can upgrade to their premium version—and the best part is, you get to choose your price (between $6 and $12/month). It also offers a 7-day free trial so you can test it out first.

For bill negotiation services, Truebill takes a 30%–60% cut of your first year’s savings, depending on what you agree to when signing up.

EveryDollar, on the other hand, has a free version for manual budgeting. If you want automatic bank sync and custom reports, you’ll need the premium version, which costs $17.99/month or $79.99/year after your free trial ends. It also gives new users a 14-day free trial to explore the paid features before committing.

Disclaimer: The pricing is subject to change.

Final Verdict: Which One Wins?

With a score of 3:2 in favor of Truebill, Rocket Money takes the lead as the more flexible and automated budgeting app.

However, the right app for you depends on your personal financial situation. If you value automation, built-in savings, and subscription tracking, Truebill is the better pick. But if you want a structured, paycheck-aware budget plan and are motivated by hands-on goal setting, EveryDollar might be exactly what you need.

If you're still unsure and want to explore other personal finance apps, check out our Resource Centre. You’ll find detailed comparisons, real-world use cases, and more to help you make the best choice.