NEKO vs EveryDollar
NEKO is a free budgeting app for iPhone, iPad and Android that projects your balance for every day ahead from the bills and paychecks you add. Pick it over EveryDollar if you want to plan around payday without paying for Premium, or if you pay with credit cards.
By Julio CruzChecked
EveryDollar details as of October 15, 2026.
| Feature | NEKO | EveryDollar |
|---|---|---|
| What's safe to spend | Safe to Spend | Paycheck PlanningPremium |
| Balance on any future date | Every day on the calendar | Not documented; Premium projects net worth |
| Warning before an account goes below zero | Days ahead | Not documented |
| Credit card statements | Closing day, due date and the amount that avoids interestPremium | Carried balance entered as a debt |
| Installment plans | Each payment on the right statementPremium | Not documented |
| Loans you owe | Principal, interest and payoff datePremium | Debt snowball; balances updated by handPremium |
| Money you lent | Loans Out: balance and payments receivedPremium | Not documented |
| PDF bank statements | Reads them; you review before savingPremium | Not documented |
| Use without signing up | Data stays on your phone | Account required |
| Bills | On the calendar with reminders | Due dates with reminders |
| Free plan | No time limit | Budget and manual tracking, no time limit |
| Price | Premium is $39.99/yr | Premium is $79.99/yr or $17.99/mo |
| Zero-based budgeting | Category limits, any reset day | The core method |
| Automatic bank import | You enter transactions or upload statements | Bank connectionPremium |
| Web app and shared budgets | Coming soon | In the browser, with a partner |
EveryDollar is built on the zero-based budget. NEKO starts from your balances and the bills and paychecks you add, and shows what you’ll have on each day ahead.
EveryDollar asks where each dollar should go this month. NEKO tells you what you’ll have on the 28th, after rent and the card payment.
Both apps can plan around payday. In EveryDollar that takes Premium. In NEKO, the calendar and Safe to Spend are free.
Safe to Spend is your balance minus everything already promised: upcoming bills, card payments and transfers.
Check it for this month, the days before payday or any date you pick. It also sits on a home screen widget, and on iPhone you can ask Siri.
In EveryDollarIn EveryDollar's Paycheck Planning, you assign bills to paydays, with an optional Safe to Spend step. It's part of Premium.
Every day on NEKO's calendar shows a projected balance, worked out from your accounts and every scheduled bill, paycheck, card payment and transfer.
If a payment would push an account below zero, NEKO warns you days ahead, while there's still time to move money.
In EveryDollarEveryDollar Premium projects your net worth. Its help center doesn't describe a balance for each day ahead.
Enter the closing day and due date. NEKO shows what lands on each statement and the amount that avoids interest, then reminds you before it's due.
It can schedule the payment, so the calendar already counts it. Credit card statements are part of Premium.
In EveryDollarEveryDollar's help center says it wasn't designed for paying expenses with card debt. If you pay in full, it suggests logging purchases; if you carry a balance, entering the card as a debt.
Add a loan with its rate and term. NEKO splits every payment into principal and interest, keeps the balance current and shows your debt-free date. Preview an extra payment to see how much sooner you finish.
Installment plans land on the card statement they belong to, and Loans Out tracks money you lent. Loans, installment plans and Loans Out are part of Premium.
In EveryDollarEveryDollar Premium's debt payoff tracker lists debts from smallest to largest for the debt snowball. Debts aren't linked to accounts, so you update each balance by hand.
Set a monthly total, split it across categories, and a meter shows how much is left to assign. The budget can reset on any day of the month, such as your payday.
Each category shows what you've spent and what's left, and flags it when you go over.
Bills already on the calendar can count toward each category before they're paid.
Keep your data on your phone, or sign in with Apple or Google to sync your devices.
In EveryDollarEveryDollar is built on the zero-based budget: you give every dollar a job before the month starts.
NEKO
Free
no time limit
EveryDollar
$79.99
a year for Premium, or $17.99 a month
Install NEKO and enter today's balance for each account and card.
Set your paydays and bills once. They fill the calendar and the Safe to Spend number.
Upload your bank's statements with statement import (Premium) and review them before they're saved.
Yes. EveryDollar has a free version, so you can keep it while you run NEKO with the same bills, and switch once NEKO fits how you plan.
EveryDollar Premium exports your budget data as a CSV file, so keep it as your record. NEKO starts from today's balances, and statement import (Premium) brings in your bank history.
Yes. Most features work without internet, and if you sign in, your data syncs when you're back online. Statement import needs a connection.
