EveryDollar

Dave Ramsey's budgeting app brings his zero-based budgeting philosophy to your phone. Every dollar of income gets assigned to a category before the month begins — give every dollar a job until you hit zero. The free version requires manual transaction entry; Ramsey+ ($19.99/month, bundled with Financial Peace University) adds bank syncing and Ramsey's full course library. It's opinionated by design: no credit card tracking, no investment features, just pure budget discipline for the debt-payoff crowd.