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.

Money

What to Do if You’re Drowning in Debt

8 min read

Drowning in debt is no way to live. Had enough? You can get your life back and finally have financial peace, but it will take hard work and sacrifice. We can help!

Ramsey Solutions

A woman holds a smart phone displaying her credit score and the words

Money

How to Freeze Your Credit

12 min read

Identity theft is becoming a bigger problem every single year. But you don’t have to sit back and let it happen to you. There are ways to protect yourself. Learn how to freeze your credit right here.

Ramsey Solutions

Money

Learn to Help People Find Financial Peace as a Financial Coach

5 min read

Becoming a Ramsey-certified financial coach isn’t just for accountants, money gurus, or people with fancy finance degrees. It’s for anyone with a heart to help people find financial peace. Is that you?

Ramsey Solutions

Money

Should I Use My Investments to Pay Off Debt?

7 min read

Cash them in or let them grow? Find out exactly what to do with your investments if you’ve got debt and how you can make more progress with your money.

Ramsey Solutions

Money

Pay Off Debt or Save for the Future?

9 min read

Which should you tackle first—the debt or the nest egg? Find out the next right step for your money and how to set yourself up for success.

Ramsey Solutions

Money

Tax Debt Relief: How to Handle Back Taxes

11 min read

What do you do when you’re behind on your back taxes? Find out the best way to get tax debt relief and get the IRS off your back.

Ramsey Solutions

Money

Navient $1.85 Billion Student Loan Settlement: What Does It Mean for You?

9 min read

Navient just agreed to cancel a bunch of student loan debt! But who qualifies? Find out what this billion-dollar deal means for you and your student loans.

Ramsey Solutions

Money

Living Without a Credit Score

10 min read

Living without credit is more than possible. It can be your reality! You don’t need a credit score to tell you what you can and can’t do with your money. Here’s why.

Ramsey Solutions

Money

How to Read Your Credit Report

9 min read

Just because credit scores are bogus doesn’t mean you don’t need to read your credit report. We’ll walk you through how to read a credit report (without falling asleep, we promise).

Ramsey Solutions