EveryDollar Premium
Build a manual zero-based budget and import bank CSV files
A consolation build is possible, but the paid product's decisive value sits outside a solo rebuild. For EveryDollar Premium, build a manual zero-based budget and import bank CSV files. The hard boundary is bank connectivity, mobile sync, coaching ecosystem, and ramsey content, plus financial integrations, compliance, and trust.
Build verification: not recorded. How we judge buildability
What you give up
- bank connectivity, mobile sync, coaching ecosystem, and Ramsey content
- direct bank feeds
- tax filing guarantees
- payroll and payments
- accountant ecosystem and support
Why people still pay
People still pay for EveryDollar Premium because people pay because accurate money records and dependable institution connections are worth more than the visible charts. The recurring cost buys import normalization, reconciliation, rule drift, exchange rates, backups, audit trails, tax changes, bank APIs, and support, not just the visible interface.
Your build guide
The stack, security requirements, and agent rules for a focused replacement.
Before you start
- CSV or OFX exports from financial institutions
- local encrypted storage
- optional exchange-rate API key
Use these project rules and optional skill references alongside the prompt. Review each skill before adding it to your agent; the AGENTS.md export includes the same guidance.
Project rule, data: Model accounts, source transactions, categories, balances, and reports; keep stable source IDs and timestamps.
Project rule, behavior: Support CSV and OFX import with saved column mappings and duplicate detection.
Project rule, recovery: If optional exchange-rate API key is unavailable, keep the source record and show a recoverable error instead of a fabricated result.
Implementation plan
Phase 1, architecture and data
Use Next.js 15, TypeScript, SQLite, Drizzle ORM, and local-first encryption. Model accounts, source transactions, categories, balances, and reports; keep stable source IDs and timestamps.
Phase 2, implement
Support CSV and OFX import with saved column mappings and duplicate detection.
Phase 3, implement
Implement accounts, transactions, transfers, categories, payees, notes, and split transactions.
Phase 4, review and output
Add deterministic categorization rules whose matches can be inspected and undone. Provide reconciliation, monthly budget, cash-flow, net-worth, and export views.
Phase 5, recovery and acceptance
If optional exchange-rate API key is unavailable, keep the source record and show a recoverable error instead of a fabricated result. Verify this invariant with a saved fixture: An invalid input or interrupted operation must retain the source and show a recoverable state; exported records must reload with the same IDs. State the practical limit: bank connectivity, mobile sync, coaching ecosystem, and Ramsey content.
Build me a focused budgeting, invoicing and small-business finance workflow for the personal core of EveryDollar Premium. Requirements: - Use Next.js 15, TypeScript, SQLite, Drizzle ORM, and local-first encryption. Model accounts, source transactions, categories, balances, and reports; keep stable source IDs and timestamps. - Paid product context: Build a manual zero-based budget and import bank CSV files. Build only this DIY scope: Build a manual zero-based budget, import bank CSV transactions, categorize them with transparent rules, reconcile balances, and export clean reports without moving money. - Support CSV and OFX import with saved column mappings and duplicate detection. - Implement accounts, transactions, transfers, categories, payees, notes, and split transactions. - Add deterministic categorization rules whose matches can be inspected and undone. Keep an immutable import log and require explicit confirmation before destructive changes. - Use a local web page with input, progress, review, and export views. Required input or access: CSV or OFX exports from financial institutions; local encrypted storage. Keep credentials in .env. - Recovery: If optional exchange-rate API key is unavailable, keep the source record and show a recoverable error instead of a fabricated result. - Acceptance: with one labelled sample, show the input, saved intermediate state, and exported result; verify this invariant: An invalid input or interrupted operation must retain the source and show a recoverable state; exported records must reload with the same IDs. - Out of scope: bank connectivity, mobile sync, coaching ecosystem, and Ramsey content; direct bank feeds. Keep this a personal, inspectable workflow. - Include a README with setup, a sample input, required keys or permissions, data location, and the supported scope.
$ open in your agent (prompt prefilled, you press enter), copy the prompt or copy AGENTS.md · generated from this app's build plan
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EveryDollar Premium pricing
| plan | monthly | annual (per mo) | what you get |
|---|---|---|---|
| free | $0 | $0 | Unlimited budget categories and lines; manual transactions; sinking funds; transaction splits; bill due dates |
| premium | $17.99 | $6.67 | Bank sync, reports, CSV export, financial roadmap, projected net worth, live Q&A and coaching14-day trial for new users. |
free tierUnlimited budget categories and lines; manual transaction entry; 1 household budget can be shared with separate logins
billingmonthly + annual ($79.99/year; 14-day trial)
hidden costsApple/Google subscriptions are billed and refunded by those stores; one-on-one/group coaching is included but any separate Ramsey products are outside this subscription.
pricing sources checked 2026-08-13 · pricing source ↗
Questions about EveryDollar Premium
Can you build your own EveryDollar Premium with AI?
A full replacement is not the recommended project. A consolation build is possible, but the paid product's decisive value sits outside a solo rebuild. For EveryDollar Premium, build a manual zero-based budget and import bank CSV files. The hard boundary is bank connectivity, mobile sync, coaching ecosystem, and ramsey content, plus financial integrations, compliance, and trust.
What does the EveryDollar Premium build prompt cover?
The prompt starts with this scope: Build a manual zero-based budget, import bank CSV transactions, categorize them with transparent rules, reconcile balances, and export clean reports without moving money. Full-product capabilities excluded from the comparison include: bank connectivity, mobile sync, coaching ecosystem, and Ramsey content; direct bank feeds; tax filing guarantees. Follow the implementation plan and its prerequisites before expanding the build.
How do I use the prompt, AGENTS.md and agent skills?
Start with the EveryDollar Premium prerequisites and stack, then copy the prompt into your coding agent. Save the project rules as AGENTS.md in the project root. Linked skills are optional packages or source instructions for specific tasks; review their current contents and install only those matching the chosen stack. A skill does not supply API credentials or verify the finished app.
How long will this EveryDollar Premium project take?
The catalogue estimate is closest consolation build: one sitting for the limited scope. Setup, integration approvals, debugging, deployment and ongoing maintenance can add time. This is an estimate, not a delivery guarantee.
What would I give up by replacing EveryDollar Premium?
bank connectivity, mobile sync, coaching ecosystem, and Ramsey content; direct bank feeds; tax filing guarantees; payroll and payments; accountant ecosystem and support. People still pay for EveryDollar Premium because people pay because accurate money records and dependable institution connections are worth more than the visible charts. The recurring cost buys import normalization, reconciliation, rule drift, exchange rates, backups, audit trails, tax changes, bank APIs, and support, not just the visible interface.
What price is this guide comparing against?
The recorded Premium plan is $6.67/mo (annual-equivalent), checked 2026-07-31. Check the linked pricing source before buying. Building your own also has hosting, API and maintenance costs; the recorded amount is not a guaranteed saving.
What can I use instead of building EveryDollar Premium?
Actual Budget: Envelope budgeting, CSV imports and rules on your own disk; bank sync is optional, not the landlord. OpenBudgeteer: YNAB-style buckets with transaction imports in a Docker box; bank sync and coaching did not make the container. Check each option's license, hosting needs and feature limits.