Money

You don’t need a finance degree to transform your money—it’s 80% behavior and 20% head knowledge. Get the plan and budget you need to help you take control for good.

Get Out of Debt

Start a Budget

See the 7 Baby Steps

Take the Money Quiz

Tell Your Money Where to Go Instead of Wondering Where It Went

Find $3,015 on average in 15 minutes.
Stay ahead—never miss a bill again.
Get coaching right when you need it.

Find Margin, Beat Debt, Build Wealth

In just 15 minutes, EveryDollar helps you find thousands in margin and builds you a personalized plan to make the most of your money.

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Christina I. is using the EveryDollar app where you can find $3,015 of margin in your budget in 30 days. There is a scannable QR code to download the app on your mobile device.

Tools That Fuel Your Budget

You work too hard to feel this broke! Get the tools that give your budget a purpose—and start winning with money.

Guide

EveryDollar Guide to Budgeting

Discover the simplest way to plan and track your saving, spending and giving.

Tool

Budget Calculator

Type in your income and get a budget example to begin.

Tool

Debt Snowball Calculator

Check out how fast you can be debt-free for good.

Tool

Student Loan Payoff Calculator

See how to get rid of your student loans once and for all.

Free 3-Minute Assessment

Find Your Starting Point

The 7 Baby Steps are the proven plan that gives your budget the power to transform your money. Answer a few questions and find out which step you’re on.

Which one best describes your current money situation?

Select the answer that most applies to you and continue the assessment.

I try to stay on top of things, but saving money is hard.

I am often stressed about money because of my debt.

I know I could manage my money better with the right plan.

I feel on track with my money but need help with investing.

Learn How to Take Control of Your Money

Don’t settle for being “normal” with money. Get tips and action steps to help you make the most of every dollar.

A view of the ocean and beach filled with resorts and families on vacation.

Money

17 Expenses to Plan for This Spring

11 min read

Spring is in the air! That means warm days are ahead—and these common spring expenses are on the horizon. Are you budget-ready for the changing of seasons?

Ramsey Solutions

Money

What Is a Rolling Recession?

5 min read

You’ve probably heard news about a recession heading our way. And now there’s talk of a rolling recession—which hits different parts of the economy at different times. Here’s what you need to know about a rolling recession (and how to survive one).

Ramsey Solutions

Money

13 Ways to Afford the High Cost of Childcare

10 min read

Trying to figure out how to budget for the high cost of childcare? I’ve got plenty of ways you can find affordable childcare and save money along the way.

Rachel Cruze

Money

How to Cut Spending

12 min read

Want to rein in your spending habits? (Let's be honest, most of us should answer "yes.") Check out 24 clever ways to cut spending so you can free up money in your budget and hit those money goals!

Ramsey Solutions

Woman sitting in front of the fire to save on heating bill.

Money

11 Ways to Save on Your Heating Bill

8 min read

Is your winter heating bill sky-high? It happens. But don't worry, there are plenty of ways to save money on this expense. Check out our latest list of 11 tips.

Ramsey Solutions

Money

6 Reasons Why Budgeting Is Right for You

6 min read

Not sure what you've heard about budgeting, but it's literally one of the most important money habits out there. It's. That. Important. Here are six reasons why budgeting is right for you. (Yes, you!)

Rachel Cruze

Money

9 Ways to Be More Organized With Your Money in 2025

8 min read

If your finances feel more chaotic than a pack of puppies in a tiny house, fear not. With these nine tips to organize your money, you can cut the financial clutter and make real financial progress.

Ramsey Solutions