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.

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

Money

Ways to Save on Home Expenses

11 min read

Home maintenance costs can be a brutal personal finance reality. Learn some simple ways you can save money.

Ramsey Solutions

Money

Which U.S. Cities Have the Highest Inflation?

8 min read

Feeling the pain of high inflation? Check out our list to see if you live in one of the U.S. cities with the highest inflation.

Ramsey Solutions

Money

How to Budget for Big Expenses That Happen Only a Few Times a Year

5 min read

Big expenses that come just a few times a year can become a big problem—unless you budget ahead! Here are five tips to keep them under control.

Ramsey Solutions

Money

How to Budget After a Job Loss

5 min read

Job loss and pay cuts are scary, but you can still make the best possible decisions with your money right now. Stand up against that fear with these practical budgeting steps.

Ramsey Solutions

Money

How to Save Money on Transportation

7 min read

Most people think saving money on transportation means jumping through complicated technical hoops. The truth is, it’s much easier than that. Keep reading for simple tricks and tips.

Ramsey Solutions