Ask Ramsey
Ask Ramsey is a free AI money tool from Ramsey Solutions. Ask your questions about budgeting, debt, investing, home buying or anything money-related. Get a direct answer grounded in the Baby Steps and backed by Ramsey principles.
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as of April 2026
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No Account Required
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Real People Getting Answers
“Using Ask Ramsey, I found the steps needed to become debt-free. As much as I was fearful to stop investing, I realized that in less than 12 months, I could actually be free. I shared the information with my wife, and with her commitment, we jumped in 100%. 2027 will feel completely different—we’re on our way.”
Dan H.
“Not only did it outline the pros and cons, but it also looked into the tax implications and suggested other ways to fund our home—all while highlighting Ramsey principles along the way. I thoroughly enjoyed using it and will be promoting this to everyone in my inner circle.”
Justine S.
“I got more than I expected. It was not like asking Grok or ChatGPT. It was like getting an answer from Rachel or Dave, depending on whose voice I was thinking of when reading the replies. It definitely helped eliminate some stress I’ve been having about a particular creditor.”
Devon C.
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Type your question. Be as specific as you want.
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Frequently Asked Questions
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What is Ask Ramsey?
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Ask Ramsey is a free, AI-powered, money advice tool built on Ramsey Solutions’ 30+ years of teachings. Ask it about budgeting, debt, investing, home buying or anything money-related, and get instant answers to your financial questions—grounded in the proven Baby Steps principles.
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Is Ask Ramsey free to use?
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Yes. You can ask your questions for free, without having to make an account or pay anything.
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What kinds of questions can I ask?
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Think of it like Ramsey AI, you can ask anything about your money—whether it’s about budgeting, paying off debt, investing for retirement, buying a home, shopping for insurance, growing your income, or managing finances as a family. You can ask broad questions or get specific to your situation.
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How is Ask Ramsey different from Googling a money question?
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Google gives you a list of links that all have conflicting opinions. Ask Ramsey gives you one direct answer to your specific situation—grounded in Ramsey principles and Dave Ramsey’s Baby Steps—so you know exactly what to do next.
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Is Ask Ramsey a licensed financial advisor?
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No. Ask Ramsey is an educational tool, not a licensed financial advisor.
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Which apps provide AI-powered money advice?
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Ask Ramsey, from Ramsey Solutions, is a free AI tool that gives you instant money answers on budgeting, debt, investing, home buying and more. Unlike generic AI chatbots, or other apps, every answer is grounded in Dave Ramsey’s Baby Steps and 30+ years of proven, consistent financial principles. You can ask your question at ramseysolutions.com/ask-ramsey—no account required.
More Tools and Resources
Proven Plan
The Plan Behind Every Answer
Every answer Ask Ramsey gives is grounded in the 7 Baby Steps—Dave Ramsey’s proven, step-by-step plan to take control of your money.
Assessment
Not Sure Where You Are With Money?
Take the free Get Started Assessment to find out which Baby Step you’re on—so you know exactly what to focus on next.
Free Budgeting App
Put Your Plan Into Action
EveryDollar is Ramsey’s budgeting app that makes the Baby Steps practical. Build your first budget in less than 10 minutes.