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.

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Start a Budget

See the 7 Baby Steps

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

Find $3,015 on average in 15 minutes.
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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 Is a Credit Card Balance Transfer?

12 min read

With credit card interest as high as it is, many people are turning to balance transfer credit cards. Learn why balance transfers are a bad idea.

Ramsey Solutions

Money

Credit Report vs. Credit Score: The Difference Is Important

7 min read

One is a helpful financial tool. The other is a bogus score that’s dedicated to keeping you in debt. Let’s compare the credit report vs. credit score.

Ramsey Solutions

Money

What Is Debt Relief?

21 min read

Debt relief involves restructuring, reducing, refinancing or (very rarely) forgiving debt. Let’s break down all the different types of debt relief.

Ramsey Solutions

Money

Debt Help That Actually Works

10 min read

A quick search will give you tons of “advice” on how to get out of debt. But lots of these sites offering debt help are scams that prey on people looking for a way out. Here’s what you need to know:

Ramsey Solutions

Money

When to Pause Your Debt Snowball

6 min read

Faced with an unexpected financial setback or a large upcoming expense? Here are 5 acceptable reasons to temporarily pause your debt snowball.

Ramsey Solutions

Money

30 Money Tips From Dave’s Financial Coaches

5 min read

These top 30 money tips from Dave’s financial coaches will help you get out of debt, save money, build wealth, and live a more meaningful life. Don’t miss number 27!

Ramsey Solutions

Money

6 Steps to Avoid Bankruptcy

6 min read

If you're considering filing for bankruptcy, listen up: You have other options! Here are six steps to avoid bankruptcy.

Ramsey Solutions

Money

What to Expect During a Financial Coaching Session

4 min read

Here’s what to expect before, during, and after meeting with your financial coach.

Ramsey Solutions

Chapter 7 Bankruptcy: How does it work and what are the alternatives?

Money

What Is Chapter 7 Bankruptcy?

10 min read

Got so much debt that bankruptcy feels like your only option? Learn the truth about the most common type of bankruptcy and what you can do to get back on your feet.

Ramsey Solutions