How much does SmartDollar cost?

Your dedicated SmartDollar account executive builds a custom quote based on your company's size and goals. There's no flat rate, no hidden fees, and no cost ever passed on to your employees. Depending on what fits your company's best, pricing can be structured as an Annual All Access Fee based on your number of eligible employees, a utilization-based model, or a pilot program if you'd rather start small. Most employers find it costs far less than what unmanaged money stress is already draining from the business: companies offering SmartDollar see 27% less turnover on average, and employees pay off debt or build savings worth $16,200 in their first year. Your account executive can help you weigh the investment against what turnover, absenteeism, and disengagement are already costing you.

Who pays for SmartDollar?

SmartDollar is an employer-sponsored benefit. Your company pays for the program, and every team member gets full access for free for as long as they work with you. No cost is ever passed on to your people.

What kind of impact will SmartDollar have on our business?

SmartDollar's impact shows up in how your people show up. When employees stop worrying about money, they bring more focus, loyalty, and energy to work. Companies offering SmartDollar see 27% less turnover on average; team members pay off or save an average of $16,200 in their first year; 43% of users report spending less time on personal finances during work hours; 63% of clients see a boost in benefit satisfaction; 66% of employers report a positive ROI; and SmartDollar users have achieved $1.5 billion in debt elimination and personal savings.

How do I know if SmartDollar will actually help my employees?

SmartDollar is built on Dave Ramsey's 7 Baby Steps, the proven, step-by-step plan that has helped millions of people eliminate debt for good. Employees learn to stick to a $1,000 emergency fund, then are guided through paying off debt and building savings and investments so they can build wealth, give generously, and retire on their terms.

What size of companies is SmartDollar built for?

SmartDollar works with employers of all sizes, from small businesses to large enterprise organizations, and we specialize in helping larger employers build a standout benefits package. We currently serve more than 5 million team members across more than 2,000 companies.

Does SmartDollar work for our company's unique employee profile?

SmartDollar works for every kind of employee, including full-time, part-time, remote, in-office, hourly, and salaried team members, across every industry and location. If your team is spread across job sites, retail floors, classrooms, or multiple offices instead of one headquarters, your relationship manager will help you build an engagement strategy that fits how and where your people actually work.

Is SmartDollar only for my employees, or can I use it too?

You can use it too. Companies see the strongest results when leaders go through the program alongside their team, working the Baby Steps, sharing their own wins, and leading by example. Ask your relationship manager to set you up as a participant, not just an administrator.

Does SmartDollar serve Spanish-speaking employees?

Yes. SmartDollar includes Spanish-speaking financial coaches, subtitled video lessons, and a fully translated web experience, so Spanish-speaking employees get the same coaching and support as the rest of your team.

Is SmartDollar available across all our locations?

Yes. SmartDollar is available to any eligible employee with computer or device access, whether they're full-time, part-time, remote, or spread across multiple locations. Coverage doesn't change based on where or how an employee works; everyone gets the same program, coaching, and resources.

Does SmartDollar work with our PEO or benefits broker?

Yes. SmartDollar can be implemented directly by your HR team or coordinated through your PEO or benefits broker, depending on how your other benefits are administered. Your relationship manager will work with whichever setup fits your existing structure.

How does SmartDollar work with our current benefits?

When team members are stressed about money, they can't take full advantage of the benefits you're already offering. They skip HSA contributions, ignore retirement matching, and put off preventive care because they're too concerned about getting to the end of the month. SmartDollar fixes that by walking them through a step-by-step plan to build an emergency fund and pay off debt first. Once that foundation is in place, they've got the cash flow and the mental bandwidth to engage with the rest of your benefits stack.

Does SmartDollar compete with our EAP or other wellness benefits?

No. SmartDollar focuses specifically on changing behavior, a gap most benefits packages don't address, and it makes the benefits you already offer more effective. Sixty-three percent of clients report higher benefit satisfaction after launch.

How does SmartDollar affect 401(k) and retirement plan participation?

Team members buried in debt or living paycheck to paycheck rarely contribute to their 401(k), even if you offer matching funds. With SmartDollar, your employees will know exactly when they're ready to start saving for retirement, so contributions go up as debt comes down. SmartDollar also helps decrease 401(k) loans, since team members build an emergency fund instead of relying on retirement savings for unplanned expenses or big purchases.

Does SmartDollar offer credit monitoring or earned wage access?

No, and that's intentional. SmartDollar is built to help employees eliminate debt and build savings for good, not manage the symptoms of money stress like credit monitoring or early paycheck access. We never sell your employees debt products, payday advances, or earned wage access, because those tools create more financial pressure, not less. Instead, employees get a clear plan for what to do with their money at every stage, so they're not borrowing against their own future paycheck.

What's included in SmartDollar? Do employees get an app, coaching, or anything else?

Every employee gets unlimited one-on-one financial coaching in English or Spanish, plus world-class education on budgeting, debt payoff, insurance, real estate, and investing. Ask SmartDollar AI gives employees fast, accurate answers to their money questions straight from Ramsey financial experts. Employees also get free tax filing, free will preparation for themselves and their spouse, and free bank-connected budgeting through the EveryDollar app, all included at no extra cost.

How is SmartDollar different from other financial wellness platforms?

SmartDollar is built on Dave Ramsey's proven 7 Baby Steps, a step-by-step behavior-change plan rather than a generic budgeting app with a credit tracker repackaged for employers. Most financial wellness tools stop at education; SmartDollar goes further, walking employees through real-life moments like having a baby or buying a car, backed by a coach who knows their specific plan. That's the difference between handing someone information and actually changing what they do with their next paycheck.

How soon can we get SmartDollar to our employees?

SmartDollar can go live within the first week after signing. Our operations team handles eligibility file setup, HRIS integration, and a full launch communications plan that fits into your internal comms strategy and calendar. Implementing SmartDollar is turnkey, and you'll receive custom, engaging co-branded marketing materials so your employees will understand how SmartDollar will help them and the simple steps they need to take to get started.

What happens after rollout? How do you support our HR team and employees?

Every SmartDollar client is paired with an experienced relationship manager, backed by a dedicated team of marketers, designers, writers, and engineers who help with launch and ongoing communications all year. You also get a custom SmartCenter portal with pre-built marketing assets and campaigns ready to use, plus the ability to email your whole team, or specific groups, directly.

Does SmartDollar integrate with our HRIS?

Yes. SmartDollar integrates directly with your HRIS using secure, encrypted file transfers that keep your eligibility list current automatically. There's no heavy lift for your IT team and no complicated onboarding for HR.

What's the contract term, and can we cancel if it's not working for us?

SmartDollar is available on annual and multi-year contracts. Your account executive will walk you through the specific term and cancellation details during your consultation, so nothing about your agreement is a surprise later.

What happens to an employee's SmartDollar access if they leave our company?

Access is tied to active employment. When a team member leaves your company, their SmartDollar access ends along with their eligibility, the same way it would with any other employer-sponsored benefit.

How do we access and share ROI data with leadership?

Your SmartCenter dashboard is where you'll go to see participation, engagement, and financial progress across your team. SmartCenter also has impact reports and an executive summary that helps your leadership team see the ROI. Your SmartDollar relationship manager will check in regularly to review results and support your engagement goals.

Can we see our team members' financial data?

No. Your employees' financial information stays private, so no privacy concerns will hold them back from making progress with their money. As the employer, you'll see the engagement and participation data of all your employees through the SmartCenter admin portal.

Is SmartDollar secure?

Yes. SmartDollar is SOC 2 Type 2 compliant, independently tested by a third-party security firm over a full 12-month period, not just a single snapshot. Data is encrypted in transit and at rest, access follows the principle of least privilege, and multi-factor authentication is required. Team members and employers are never required to share sensitive or regulated personal data to use SmartDollar.

Employee Money Stress Is Costing Your Company

SmartDollar is the financial wellness benefit your employees and your business need. It gives team members a step-by-step plan to take control of their money while delivering real gains for your business in productivity, retention and 401(k) engagement.

Request a Demo

Trusted by 2,000+ Companies Globally

Serving Over 5 Million Employees

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Life-Change Drives Business Impact

When employees use SmartDollar to change their money habits for good, they beat stress and build confidence. That progress translates into measurable ROI for employers.

Average first-year
employee impact

Companies that cut turnover
with SmartDollar

Average time
to ROI

“SmartDollar is a very comprehensive financial wellness resource for our employees. It's the biggest financial resource that we are able to point our employees to.” Kimberly Earnest, Veterans United, Financial Wellness Specialist

A benefit your employees will actually use.
Measurable ROI your leadership will see.
Lower turnover you can point to at renewal.

I’m a Benefits Leader

“I buy and manage benefits for my company.
I need to prove ROI, drive enrollment, and justify the spend
to my CFO.”

See SmartDollar for Employers →

I’m a Consultant

“I recommend benefits solutions to enterprise clients.
I need verified outcomes, co-branded materials, and something I can stand behind.”

See SmartDollar for Consultants →

Everything Employees Need
to Take Control of Their Money

Employees with SmartDollar have a proven plan that meets them right where they are and helps them beat money stress. With digital tools, engaging content, and unlimited one-on-one coaching, they take control of their income and build money habits that last. And that confidence turns into measurable ROI for employers.

Collage of Smartcenter, SmartTax, Smartdollar, Ask SmartDollar and Financial coach

Take Their Word for It

“SmartDollar is providing the resources that our staff need to stretch their paychecks and get the most out of their money, spend on items they need, and try to pay off debt. The website is easy to navigate and it has an incredible amount of features that can help me as an employer offer these kinds of services to our employees to help them and their families succeed financially.”

Maria Hidalgo • Financial Wellness Manager

“We needed a benefit that could help U-Haul employees with their money and set them up for success in the future. And it needed to work at scale, for all our employees across America. We’re thrilled to see how SmartDollar is helping us reduce our turnover and retain our employees.”

“We’ve implemented SmartDollar as our company’s financial wellness program, and it’s been an incredible resource for our team. Many of our employees have taken advantage of the tools and guidance it provides, and the results speak for themselves—paying off debt, improving financial literacy, and gaining a stronger overall grasp on their personal finances.”

“Our employees at Tuttle Construction find SmartDollar to be a valuable resource for both short and long term financial success. It is a highly effective financial program that provides practical tools and clear guidance for managing money more intentionally no matter your age or where you are in life.”

“Smart Dollar has been a great resource for helping our team learn how to be good stewards of their finances. Our team has paid off an incredible amount of debt, and I am sure this would not have happened without Smart Dollar. Smart Dollar is a great benefit that costs very little and has a huge ROI!”

Every Industry Has Unique Employee Challenges. Let’s Solve Yours Together.

See proven results in organizations like yours.

Financial Wellness Buyer’s Guide

Learn what you need to know before implementing a new benefit in your business.

U-Haul Case Study

See how U-Haul uses SmartDollar to improve their employees’ retirement contributions.

Impact Study

See how 127 businesses are using SmartDollar to drive business results.

Schedule a Demo to Learn More

We’re excited to show you how SmartDollar helps your employees beat their money stress and build wealth while making a measurable impact on your business.

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Financial Wellness and Mental Health in One Benefit

When employees use SmartDollar to change their money habits for good, they beat stress and build confidence. Beating personal debt and building savings translates into measurable ROI for employers.

What’s Included

Frequently Asked Questions

How much does SmartDollar cost?: Your dedicated SmartDollar account executive builds a custom quote based on your company's size and goals. There's no flat rate, no hidden fees, and no cost ever passed on to your employees. Depending on what fits your company best, pricing can be structured as an Annual All Access Fee based on your number of eligible employees, a utilization-based model, or a pilot program if you'd rather start small. Most employers find it costs far less than what unmanaged money stress is already draining from the business: companies offering SmartDollar see 27% less turnover on average, and employees pay off debt or build savings worth $16,200 in their first year. Your account executive can help you weigh the investment against what turnover, absenteeism, and disengagement are already costing you.
Who pays for SmartDollar?: SmartDollar is an employer-sponsored benefit. Your company pays for the program, and every team member gets full access for free for as long as they work with you. No cost is ever passed on to your people.
What kind of impact will SmartDollar have on our business?: SmartDollar's impact shows up in how your people show up. When employees stop worrying about money, they bring more focus, loyalty, and energy to work, and that translates directly into results your leadership team can measure:
•       On average, companies offering SmartDollar see 27% less turnover.
•       Team members pay off or save an average of $16,200 in their first year.
•       43% of users report spending less time on personal finances during work hours.
•       63% of clients see a boost in benefit satisfaction.
•       66% of employers report a positive ROI.
•       At U-Haul, SmartDollar users contributed 70% more to retirement on average, increased Roth 401(k) contributions by more than 3.5x, and were nearly twice as likely to contribute to their 401(k) at all.
•       Collectively, SmartDollar users have achieved $1.5 billion in debt elimination and personal savings.
How do I know if SmartDollar will actually help my employees?: SmartDollar is built on Dave Ramsey's 7 Baby Steps, the proven, step-by-step plan that has helped millions of people eliminate debt for good. Employees learn to budget, build a $1,000 emergency fund, then are guided through paying off debt and building savings and investments so they can build wealth, give generously, and retire on their terms.
What size of companies is SmartDollar built for?: SmartDollar works with employers of all sizes, from small businesses to large enterprise organizations, and we specialize in helping larger employers build a standout benefits package. We currently serve more than 5 million team members across more than 2,000 companies.
Does SmartDollar work for our company's unique employee profile?: SmartDollar works for every kind of employee, including full-time, part-time, remote, in-office, hourly, and salaried team members, across every industry and location. If your team is spread across job sites, retail floors, classrooms, or multiple offices instead of one headquarters, your relationship manager will help you build an engagement strategy that fits how and where your people actually work.
Is SmartDollar only for my employees, or can I use it too?: You can use it too. Companies see the strongest results when leaders go through the program alongside their team, working the Baby Steps, sharing their own wins, and leading by example. Ask your relationship manager to set you up as a participant, not just an administrator.
Does SmartDollar serve Spanish-speaking employees?: Yes. SmartDollar includes Spanish-speaking financial coaches, subtitled video lessons, and a fully translated web experience, so Spanish-speaking employees get the same coaching and support as the rest of your team.
Is SmartDollar available across all our locations?: Yes. SmartDollar is available to any eligible employee with computer or device access, whether they're full-time, part-time, remote, or spread across multiple locations. Coverage doesn't change based on where or how an employee works; everyone gets the same program, coaching, and resources.
Does SmartDollar work with our PEO or benefits broker?: Yes. SmartDollar can be implemented directly by your HR team or coordinated through your PEO or benefits broker, depending on how your other benefits are administered. Your relationship manager will work with whichever setup fits your existing structure.
How does SmartDollar work with our current benefits?: When team members are stressed about money, they can't take full advantage of the benefits you're already offering. They skip HSA contributions, ignore retirement matching, and put off preventive care because they're too concerned about getting to the end of the month. SmartDollar fixes that by walking them through a step-by-step plan to build an emergency fund and pay off debt first. Once that foundation is in place, they've got the cash flow and the mental bandwidth to engage with the rest of your benefits stack.
Does SmartDollar compete with our EAP or other wellness benefits?: No. SmartDollar focuses specifically on changing behavior, a gap most benefits packages don't address, and it makes the benefits you already offer more effective. 63% of clients report higher benefit satisfaction after launch.
How does SmartDollar affect 401(k) and retirement plan participation?: Team members buried in debt or living paycheck to paycheck rarely contribute to their 401(k), even if you offer matching funds. With SmartDollar, your employees will know exactly when they're ready to start saving for retirement, so contributions go up as debt comes down. SmartDollar also helps decrease 401(k) loans, since team members build an emergency fund instead of relying on retirement savings for unplanned expenses or big purchases.
Does SmartDollar offer credit monitoring or earned wage access?: No, and that's intentional. SmartDollar is built to help employees eliminate debt and build savings for good, not manage the symptoms of money stress like credit monitoring or early paycheck access. We never sell your employees debt products, payday advances, or earned wage access, because those tools create more financial pressure, not less. Instead, employees get a clear plan for what to do with their money at every stage, so they're not borrowing against their own future paycheck.
What's included in SmartDollar? Do employees get an app, coaching, or anything else?: Every employee gets unlimited one-on-one financial coaching in English or Spanish, plus world-class education on budgeting, debt payoff, insurance, real estate, and investing. Ask SmartDollar AI gives employees fast, accurate answers to their money questions straight from Ramsey financial experts. Employees also get free tax filing, free will preparation for themselves and their spouse, and free bank-connected budgeting through the EveryDollar app, all included at no extra cost. 
How is SmartDollar different from other financial wellness platforms?: SmartDollar is built on Dave Ramsey's proven 7 Baby Steps, a step-by-step behavior-change plan rather than a generic budgeting app with a credit tracker repackaged for employers. Most financial wellness tools stop at education; SmartDollar goes further, walking employees through real-life moments like having a baby or buying a car, backed by a coach who knows their specific plan. That's the difference between handing someone information and actually changing what they do with their next paycheck. 
How soon can we get SmartDollar to our employees?: SmartDollar can go live within the first week after signing. Our operations team handles eligibility file setup, HRIS integration, and a full launch communications plan that fits into your internal comms strategy and calendar. Implementing SmartDollar is turnkey, and you'll receive custom, engaging co-branded marketing materials so your employees will understand how SmartDollar will help them and the simple steps they need to take to get started.
What happens after rollout? How do you support our HR team and employees?: Every SmartDollar client is paired with an experienced relationship manager, backed by a dedicated team of marketers, designers, writers, and engineers who help with launch and ongoing communications all year. You also get a custom SmartCenter portal with pre-built marketing assets and campaigns ready to use, plus the ability to email your whole team, or specific groups, directly.
Does SmartDollar integrate with our HRIS?: Yes. SmartDollar integrates directly with your HRIS using secure, encrypted file transfers that keep your eligibility list current automatically. There's no heavy lift for your IT team and no complicated onboarding for HR. 
What's the contract term, and can we cancel if it's not working for us?: SmartDollar is available on annual and multi-year contracts. Your account executive will walk you through the specific term and cancellation details during your consultation, so nothing about your agreement is a surprise later.
What happens to an employee's SmartDollar access if they leave our company?: Access is tied to active employment. When a team member leaves your company, their SmartDollar access ends along with their eligibility, the same way it would with any other employer-sponsored benefit. 
How do we access and share ROI data with leadership?: Your SmartCenter dashboard is where you'll go to see participation, engagement, and financial progress across your team. SmartCenter also has impact reports and an executive summary that helps your leadership team see the ROI. Your SmartDollar relationship manager will check in regularly to review results and support your engagement goals.
Can we see our team members' financial data?: No. Your employees' financial information stays private, so no privacy concerns will hold them back from making progress with their money. As the employer, you'll see the engagement and participation data of all your employees through the SmartCenter admin portal.
Is SmartDollar secure?: Yes. SmartDollar is SOC 2 Type 2 compliant, independently tested by a third-party security firm over a full 12-month period, not just a single snapshot. Data is encrypted in transit and at rest, access follows the principle of least privilege, and multi-factor authentication is required. Team members and employers are never required to share sensitive or regulated personal data to use SmartDollar.

Employee Money Stress Is Costing Your Company