An EveryDollar alternative for people clearing debt
EveryDollar is a clean take on the zero-based budget: list your income, list your spending, get to zero. MoneyQuilt starts from the same place, then keeps going — payoff plans with real dates, card utilisation, sinking funds, cash-flow forecasting and a business side when you need one.
Where MoneyQuilt is different
A payoff plan with dates, not just a category
Enter balances, rates and minimums; compare snowball against avalanche, and see the debt-free date and total interest for each.
Sinking funds built in
Annual insurance, car maintenance, Christmas — each gets its own fund with a monthly amount, so irregular bills stop wrecking a month.
Cash-flow forecast
Known bills, income and instalments projected forward so the tight weeks show up before they arrive.
Import instead of typing
Statement upload with automatic categorisation, duplicate detection and bulk edits, plus optional inbox scanning for new card statements.
Business mode included
Invoices, estimates, clients, expenses, products and pay runs in the same account, one tap from your personal budget.
Who should stay with EveryDollar?
If you are following a fixed step-by-step programme and want a budget sheet that matches it exactly, EveryDollar is a tidy, familiar fit.
MoneyQuilt is the better fit if your money is messier than a single household budget — cards and BNPL plans to clear, income that changes week to week, or a side business whose invoices and expenses you are currently tracking in a spreadsheet.
Frequently asked questions
- Does MoneyQuilt do zero-based budgeting?
- Yes — envelope mode assigns every dollar until nothing is unassigned, and there is a simpler category-and-cap mode if you prefer less admin.
- Can I track debt snowball progress?
- Yes. The debt module orders balances smallest-first for the snowball or highest-rate-first for the avalanche, rolls cleared payments onto the next debt, and shows the projected payoff date.
- Do I have to enter every transaction by hand?
- No. You can upload statements and review categorised rows in bulk, and recurring charges are detected so they maintain themselves.
Switching from EveryDollar? Start in about five minutes
Create a free account, upload a statement, and MoneyQuilt sets up your categories, bills and debt plan from your real numbers — nothing is pre-filled with made-up data.
Free to start · no card required