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

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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.

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.

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EveryDollar Guide to Budgeting

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

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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. 

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Which one best describes your current money situation?

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

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.

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What Is Capital Gains Tax?

If you’re buying and selling assets, you probably know you have to pay capital gains taxes. But what is the capital gains tax? What's the difference between long-term and short-term capital gains?

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What Is the Medicare Tax?

Taxpayers foot a large chunk of the bill when it comes to funding Medicare. But how much do you contribute really? Since it’s automatically deducted from your paycheck, it’s easy to miss.

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Is Unemployment Taxable
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Are Unemployment Benefits Taxable?

The American Rescue Plan gave a tax break to those who collected unemployment during the pandemic, but does that tax break still count for 2022 and 2023? Here’s everything you need to know about unemployment and taxes.

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What Is Taxable Income?
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What Is Taxable Income?

You don’t have to pay taxes on your entire paycheck. That’s where taxable and nontaxable income comes into play. See what qualifies in each category and how tax deductions can lower your tax bill.

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What is income tax
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What Are Income Taxes?

No one likes income taxes, but they're as much a part of American life as baseball and apple pie. Here’s what you need to know about income taxes before you sit down to file this spring.

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How Are Bonuses Taxed?

So, you got a big cash bonus at work and then realized a bunch of it went to taxes. We’ll walk you through how bonuses are taxed and how you can save some money on your taxes.

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What is a tax credit?
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What Are Tax Credits?

When it comes to cutting your tax bill, tax credits reign supreme. Find out everything you need to know about how tax credits save you money and which ones you qualify for.

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Can I Deduct Medical Expenses? 

You may be wondering if you can deduct medical expenses from your taxes and the short answer is: It depends. We’ll walk you through how to figure out if yours could take a chunk out of your tax bill.

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Money

What is a Tax Liability?

A tax liability is how much you owe in state, local or federal taxes. If you know your liability, you can avoid overpaying or underpaying your taxes through your payroll withholdings.

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Ramsey Shows and Podcasts

Join our team of experts as they answer tough questions from real people about budgeting, saving, getting out of debt and building wealth.

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What Is a Budget?

A budget is a simple plan for your money—helping you breathe easier and reach your goals.

It’s Time To Stop Surviving And Start Winning With Money

It’s Time To Stop Surviving And Start Winning With Money

Thursday, October 23 | Hour 0

Thursday, October 23 | Hour 0

It’s Time To Stop Surviving And Start Winning With Money

Stop Letting Other People Wreck Your Finances

Stop Letting Other People Wreck Your Finances

Wednesday, October 22 | Hour 0

Wednesday, October 22 | Hour 0

Stop Letting Other People Wreck Your Finances

You Can’t Outearn Your Stupidity

You Can’t Outearn Your Stupidity

Tuesday, October 21 | Hour 0

Tuesday, October 21 | Hour 0

You Can’t Outearn Your Stupidity

 There Are No Shortcuts To Building Wealth

There Are No Shortcuts To Building Wealth

Monday, October 20 | Hour 0

Monday, October 20 | Hour 0

There Are No Shortcuts To Building Wealth

Your Financial Comeback Starts Today

Your Financial Comeback Starts Today

Friday, October 17 | Hour 0

Friday, October 17 | Hour 0

Your Financial Comeback Starts Today

You Can Still Take Charge Of Your Financial Future

You Can Still Take Charge Of Your Financial Future

Thursday, October 16 | Hour 0

Thursday, October 16 | Hour 0

You Can Still Take Charge Of Your Financial Future

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Every week, receive expert guidance and practical steps to help you stay on track with your goals and create a strong financial future.

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Step 1: Save $1,000 for your starter emergency fund.

2

Step 2: Pay off all debt (except the house) using the debt snowball.

3

Step 3: Save 3–6 months of expenses in a fully funded emergency fund.

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Step 4: Invest 15% of your household income in retirement.

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Step 5: Save for your children’s college fund.

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Step 6: Pay off your home early.

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Step 7: Build wealth and give.