Budgeting comparison
EveryDollar vs SoFi
Updated
EveryDollarBudgeting app
SoFiSavings accountPriceless Tay may earn a commission from some links on this page, and that never changes how we compare apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
EveryDollar is a budgeting app and SoFi is a savings account. EveryDollar has a free version. We checked EveryDollar on Oct 24, 2026, but we haven't verified the price for SoFi yet, and the official sources differ on one of the 9 rows in the table below.
EveryDollar vs SoFi at a glance
EveryDollar is a budgeting app and SoFi is a savings account. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The sources differ on one of the 9 rows in the table below.
Price and fees
EveryDollar has a free version. After a 14-day free trial, premium costs $79.99 a year billed annually, or $17.99 a month billed monthly. We haven't verified this for SoFi yet, so check the official site for SoFi before you decide. We checked EveryDollar on Oct 24, 2026.
Free trial
EveryDollar premium starts with a 14-day free trial for new users. We haven't verified this for SoFi yet, so check the official site for SoFi before you decide. We checked EveryDollar on Oct 24, 2026.
APY or rate
SoFi lists 3.30% APY with eligible direct deposit or $5,000 in qualifying deposits, and 0.80% APY without them, in rates effective Oct 20, 2026. SoFi says the rate is variable. You need eligible direct deposit, or $5,000 in qualifying deposits every 31 days, to earn the 3.30% APY. We haven't verified this for EveryDollar yet, so check the official site for EveryDollar before you decide. We checked SoFi on Oct 24, 2026.
Opening and balance minimums
SoFi says there is no minimum balance requirement. We haven't verified this for EveryDollar yet, so check the official site for EveryDollar before you decide. We checked SoFi on Oct 24, 2026.
Protection
SoFi Bank, N.A. is a Member FDIC. We haven't verified this for EveryDollar yet, so check the official site for EveryDollar before you decide. We checked SoFi on Oct 24, 2026.
Platforms
EveryDollar lists iOS, Android and Computer. We haven't verified this for SoFi yet, so check the official site for SoFi before you decide. We checked EveryDollar on Oct 24, 2026.
Bank syncing
Premium only. EveryDollar premium connects your bank through Mastercard Connect and Plaid, and the free version uses manual entry. We haven't verified this for SoFi yet, so check the official site for SoFi before you decide. We checked EveryDollar on Oct 24, 2026.
Features
EveryDollar lists goals and data export. We haven't verified the features for SoFi yet. We checked EveryDollar on Oct 24, 2026.
App store rating
EveryDollar has 4.7 out of 5 on the App Store from 84,169 ratings. SoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,426 ratings. We checked both on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
EveryDollar and SoFi Checking and Savings, side by side
Rows marked “Differs” are where the two official sources say different things, and one row does here.
Swipe the table sideways to see both apps.
| Field | EveryDollarBudgeting appEveryDollar is a zero-based budgeting app from Ramsey Solutions with a free version and a paid premium version.Visit EveryDollar's site | SoFi Checking and SavingsSavings accountSoFi's savings account pays a higher variable rate when you have eligible direct deposit or $5,000 in qualifying deposits.Visit SoFi Checking and Savings's site |
|---|---|---|
| Price and fees | EveryDollar has a free version. After a 14-day free trial, premium costs $79.99 a year billed annually, or $17.99 a month billed monthly.As of Oct 24, 2026. Source: ramseysolutions.com/money/everydollar | Not verified yet. |
| Free trial | EveryDollar premium starts with a 14-day free trial for new users.As of Oct 24, 2026. Source: ramseysolutions.com/money/everydollar | Not verified yet. |
| APY or rate | Not verified yet. | SoFi lists 3.30% APY with eligible direct deposit or $5,000 in qualifying deposits, and 0.80% APY without them, in rates effective Oct 20, 2026. The rate is variable.You need eligible direct deposit, or $5,000 in qualifying deposits every 31 days, to earn the 3.30% APY.As of Oct 24, 2026. Source: sofi.com/legal/banking-rate-sheet |
| Opening and balance minimums | Not verified yet. | SoFi says there is no minimum balance requirement.As of Oct 24, 2026. Source: sofi.com/banking/high-yield-savings-account |
| Protection | Not verified yet. | SoFi Bank, N.A. is a Member FDIC.As of Oct 24, 2026. Source: sofi.com/banking/high-yield-savings-account |
| Platforms | EveryDollar lists iOS, Android and Computer.As of Oct 24, 2026. Source: ramseysolutions.com/money/everydollar | Not verified yet. |
| Bank syncing | Premium only. EveryDollar premium connects your bank through Mastercard Connect and Plaid, and the free version uses manual entry.As of Oct 24, 2026. Source: ramseysolutions.com/money/everydollar | Not verified yet. |
| Features |
| Not verified yet. |
| App store ratingDiffers | EveryDollar has 4.7 out of 5 on the App Store from 84,169 ratings.As of Oct 24, 2026. Source: App Store listing | SoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,426 ratings.As of Oct 24, 2026. Source: App Store listing |
App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. Spotted a change? Tell us if something changed.
What the apps look like
EveryDollar
SoFi Checking and Savings
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Save the Raise.
SpenderEveryDollar lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
First fix: Sleep on It.
SaverSoFi lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
First fix: Put It to Work.
ScramblerEveryDollar lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Another option: Fifecta
If neither EveryDollar nor SoFi feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.
What real users say
These are other people's opinions, not Priceless Tay's. We quote public reviews and posts word for word, link each one and show its date, but we haven't checked the claims in them. A post counts toward a theme when it uses one of that theme's keywords, so a mention can be praise or a complaint.
What EveryDollar users say
Based on 437 App Store reviews and 4 YouTube videos dated Oct 2025 to Oct 2026, read Oct 2026. We collected the YouTube data with Apify, a scraping service, on Oct 24, 2026.
- Of the 441 reviews, posts and videos we read, 80 mention how easy or hard the app is to use.
- Of the 441 reviews, posts and videos we read, 77 mention the price, fees or the subscription.
- Of the 441 reviews, posts and videos we read, 55 mention debt, money stress or feeling in control.
Positive
“It makes it super easy to budget with my husband. ... we have had zero money fights”
Positive
“There’s a peace of mind that comes with having your finances under control and seeing your debts paid off.”
Critical
“Anything worthwhile in this app that would be helpful in budgeting is behind a paywall”
Where these come from
- EveryDollar reviews on the App Store, read Oct 24, 2026. The public feed returns the 500 most recent US reviews. We kept every one dated inside the window.
- Hacker News search for EveryDollar, read Oct 24, 2026. Public search of comments and posts. 1 named the app; we kept 0 where the writer shares their own use of it.
- Reddit search for EveryDollar, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "EveryDollar", posts and comments from after Oct 24 2025. It returned 81, most of them about something else. We kept 0 where the writer shares their own use of the app or a clear opinion of it. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
- YouTube search for EveryDollar, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "EveryDollar review" from the past year, up to 8 videos. It returned 8. We kept 4 and left out the app's own channel, sponsored videos, videos with affiliate or referral links and videos about a different product. We count themes from each video's title, description and captions, but we don't quote videos, because the captions we have carry no timestamps.
- "EveryDollar Review [UPDATED] - They Don't Tell You This!" by Answer This on YouTube, Oct 16, 2026.
- "EveryDollar Review: Is This Budgeting App Worth Using?" by Misa Reviews on YouTube, Aug 29, 2026.
- "EveryDollar Review - Watch Before Using" by HelperDog on YouTube, Apr 11, 2026.
- "EveryDollar Review - Watch Before Using" by HelperDog on YouTube, Mar 16, 2026.
What SoFi users say
Based on 500 App Store reviews, 1 Reddit post and 1 Hacker News post dated Apr 2026 to Oct 2026, read Oct 2026. We collected the Reddit data with Apify, a scraping service, on Oct 24, 2026.
- Of the 502 reviews and posts we read, 85 mention deposits, transfers or getting paid.
- Of the 502 reviews and posts we read, 74 mention how easy or hard the app is to use.
- Of the 502 reviews and posts we read, 70 mention customer service or support.
Positive
“Most user friendly banking app there is. Been a member for years. Every year they add something new”
Critical
“If you think an online bank is better than a brick and mortar just wait until you need customer service...”
Positive
“my favorite is sofi. i personally use them as a bank...”
Where these come from
- SoFi reviews on the App Store, read Oct 24, 2026. The public feed returns the 500 most recent US reviews. We kept every one dated inside the window.
- Hacker News search for SoFi, read Oct 24, 2026. Public search of comments and posts. 8 named the app; we kept 1 where the writer shares their own use of it.
- Reddit search for SoFi, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "SoFi checking savings", posts and comments from after Oct 24 2025. It returned 81, most of them about something else. We kept 0 where the writer shares their own use of the app or a clear opinion of it, plus 1 from another app's search that discusses this app. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
- YouTube search for SoFi, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "SoFi checking and savings review" from the past year, up to 8 videos. It returned 8. We kept 0 and left out the app's own channel, sponsored videos, videos with affiliate or referral links and videos about a different product. We count themes from each video's title, description and captions, but we don't quote videos, because the captions we have carry no timestamps.
- u/theyhis in r/budgetingforbeginners on Reddit, Oct 21, 2026.
- imzadi on Hacker News, Jul 28, 2026.
FAQ
How much does EveryDollar cost?
EveryDollar has a free version. After a 14-day free trial, premium costs $79.99 a year billed annually, or $17.99 a month billed monthly. We checked this on Oct 24, 2026.
Does EveryDollar have a free trial?
EveryDollar premium starts with a 14-day free trial for new users. We checked this on Oct 24, 2026.
What APY does SoFi list?
SoFi lists 3.30% APY with eligible direct deposit or $5,000 in qualifying deposits, and 0.80% APY without them, in rates effective Oct 20, 2026. SoFi says the rate is variable. You need eligible direct deposit, or $5,000 in qualifying deposits every 31 days, to earn the 3.30% APY. We checked this on Oct 24, 2026.
What is EveryDollar's app store rating?
EveryDollar has 4.7 out of 5 on the App Store from 84,169 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
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Keep comparing
- Read our SoFi Checking and Savings review.
- See EveryDollar alternatives, closest category first.
- See SoFi alternatives, closest category first.
- Browse our guide to the best budgeting apps.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and dates
- ramseysolutions.com/money/everydollar (2026), checked Oct 24, 2026.
- App Store listing (2026), checked Oct 24, 2026.
- sofi.com/legal/banking-rate-sheet (2026), checked Oct 24, 2026.
- sofi.com/banking/high-yield-savings-account (2026), checked Oct 24, 2026.
- App Store listing (2026), checked Oct 24, 2026.
This is education, not financial advice.
