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Personal Finance · head to head

EveryDollar vs Fidelity

EveryDollar logo

EveryDollar

Personal Finance

Budget every dollar, build wealth faster

From
Free
Rated
-
Full reviewWebsite
Fidelity logo

Fidelity

Personal Finance

Building a better financial future

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only EveryDollar has a free tier, so it costs nothing to try first.
  • Each has a real cost: EveryDollar the free version has no bank connection, so every transaction is entered by hand; Fidelity options trades carry a 0.65 USD per contract fee on top of zero commission
  • They diverge on capability: EveryDollar covers Zero-based budgeting, Fidelity covers Commission-free trading.

Where they differ

Only the attributes on which EveryDollar and Fidelity actually diverge.

Attributes where EveryDollar and Fidelity differ
AttributeEveryDollarFidelity
Starting priceFreeOn request
Pricing modelfreemiumtransaction
Free tierYesNo
Founded20141946

Identical on both: platforms (Web, IOS, Android), user rating (Not yet rated), category (Personal Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in EveryDollar

  • Zero-based budgeting
  • Transaction tracking
  • Budget planning
  • Financial insights

Only in Fidelity

  • Commission-free trading
  • Retirement planning
  • Advisory services
  • Research tools
  • Investment accounts

Both cover

  • Bank accounts
  • Web support
  • IOS support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

EveryDollar

  • Zero based monthly budgeting using the Ramsey methodnot Fidelity
  • Tracking bills and sinking funds by categorynot Fidelity
  • Automatically importing bank transactions into a budget on Premiumnot Fidelity

Fidelity

  • Commission free trading of US stocks and ETFsnot EveryDollar
  • Holding IRAs, 401(k) plans and taxable brokerage accountsnot EveryDollar
  • Trading bonds, options and mutual funds from one accountnot EveryDollar

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

EveryDollar

  • The free version has no bank connection, so every transaction is entered by hand
  • CSV export of budget data is Premium only
  • Spending reports and historical comparisons are Premium only
  • Premium costs $17.99 per month billed monthly, and the $6.67 headline rate requires paying $79.99 for a year up front
  • The free trial lasts 14 days and is limited to new users

Fidelity

  • Options trades carry a 0.65 USD per contract fee on top of zero commission
  • Non Fidelity mutual funds carry a 49.95 USD transaction fee per purchase
  • Secondary market bonds cost 1.00 USD per bond, while new issues are free
  • A foreign settlement fee of 50 USD applies per trade
  • Margin rates are tiered by debit balance, from 11.825 percent below 25,000 USD down to 7.50 percent at 1 million USD or more, against a base rate of 10.575 percent effective 12 December 2025
  • Margin liquidation by the broker costs 32.95 USD per liquidation

Pricing, plan by plan

EveryDollar

Free
  • FreeFree
    • Manual budget entry
  • Plus$14.99/month
    • Bank sync
    • Mobile app
    • Transaction tracking

Fidelity

On request
  • Brokerage$undefined/month
    • Commission-free trading
    • Research tools
  • Advisory$undefined/month
    • Personal advisor
    • Wealth management

Which should you pick?

Choose EveryDollar if

  • You need zero-based budgeting.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want transaction tracking.
EveryDollar review

Choose Fidelity if

  • You need commission-free trading.
  • You work on Web, IOS, Android.
  • You also want retirement planning.
Fidelity review

Questions people ask

Is EveryDollar or Fidelity better?
Neither clearly leads. EveryDollar starts at Free and Fidelity at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, EveryDollar or Fidelity?
EveryDollar has a free tier; the other does not. Paid plans start at Free for EveryDollar and On request for Fidelity.
Does EveryDollar or Fidelity run on more platforms?
Both run on Web, IOS, Android, so platform support will not decide this one for you.
Can I use EveryDollar for free?
Yes. EveryDollar has a free tier, so you can try it without paying. Fidelity starts at On request.
What is EveryDollar best used for?
EveryDollar is most often used for zero based monthly budgeting using the ramsey method, tracking bills and sinking funds by category, automatically importing bank transactions into a budget on premium. Of those, zero based monthly budgeting using the ramsey method and tracking bills and sinking funds by category are not what Fidelity is typically brought in for.
What can EveryDollar do that Fidelity cannot?
EveryDollar covers Zero-based budgeting, Transaction tracking, Budget planning, Financial insights. Fidelity covers Commission-free trading, Retirement planning, Advisory services, Research tools. Both handle Bank accounts, Web support, IOS support, Android support.
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