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.

Start EveryDollar for Free

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

A Guide to Independent Contractor Taxes

10 min read

If you’re an independent contractor, preparing for tax season is essential to managing your money. Here’s everything you need to know about independent contractor taxes, deductions and payments.

Ramsey Solutions

Money

What Is Federal Tax Withholding?

7 min read

Think getting a big refund is like getting free money? Wrong! We’ll walk you through getting your federal tax withholding right so there are no unwanted surprises come tax time.

Rachel Cruze

Money

How to File Your Taxes With Ramsey SmartTax

9 min read

Ready to file your taxes online with confidence (and without having to deal with hidden fees)? Then Ramsey SmartTax is for you! Here’s how this easy-to-use tax software can help you file your taxes.

Ramsey Solutions

Keyboard with icons of possible property tax deductions.

Money

How to Claim the Property Tax Deduction

6 min read

If you’re planning to itemize your tax deductions and you own a home, the property tax deduction can save you a tidy sum. See if it’s right for your tax situation.

George Kamel

Money

Standard Deductions vs. Itemized Deductions: Which Should I Choose?

8 min read

Should you itemize deductions or take the standard deduction? Both lower your taxes, but the key is finding which one lowers your bill the most. Check out the pros and cons of each.

Ramsey Solutions

Money

What Do Your Taxes Pay For?

11 min read

Let’s face it. Paying taxes isn’t usually on people’s list of favorite things to do with money. But what do your federal taxes pay for, anyway? Let’s talk about it.

Ramsey Solutions

Money

What Happens if You Can’t Pay Your Taxes?

12 min read

Getting hit with a big tax bill is scary—especially if you don’t have the money to pay it. Here are some ways to pay off your bill and make sure you don’t get a scary surprise next year.

Ramsey Solutions

Money

Tax Reform Bill: How Does It Impact You?

14 min read

How much changed when the 2018 tax reform bill became law? The short answer: a lot. But don’t worry—we’ve got a full rundown of all the changes that will impact the way you do taxes.

Ramsey Solutions