EveryDollar

EveryDollar focuses on the zero-based budgeting method, where every dollar of income is assigned to a spending category before you spend it. The app syncs with your bank to pull transactions automatically or you can enter them manually, depending on your preference.

It's built by Ramsey Solutions, the personal finance company behind Dave Ramsey's budgeting system. This approach works well if you want strict spending discipline and a structured system to follow.