Tools and Resources

Paying off debt? Selling your house? Switching your career? You came to the right place. Check out our tools and calculators and start crushing those goals—whatever they might be.

Featured Calculators

debt snowball calculator

Debt Snowball Calculator

mortgage calculator

Mortgage Calculator

cost of living calculator

Cost of Living Calculator

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Getting Started

7 Baby Steps

Ramsey's 7 Baby Steps

The 7 Baby Steps are the foundation for helping you get out of debt, save money, build wealth, and change your future.

Baby Steps Assessment

Start With a Custom Money Plan

We get it. Sometimes, debt and money stress can have you so overwhelmed that you don’t even know where to start. Get a free custom money plan showing you step by step what to do!

Ramsey weekly newsletter

Ramsey Newsletter

Stay connected with us and get actionable advice for working the Baby Steps faster, investing for retirement, growing your career, buying or selling a house and more—sent weekly to your inbox. (Plus, it’s free!)


Ramsey Plus

Try Ramsey+ for Free

Discover the plan to dump debt for good, save for emergencies, and have confidence for your future. Learn how to reach your money goals faster with Financial Peace University. Use our budgeting tool, EveryDollar, to take control of your money. And track your progress and hit your money goals faster with the BabySteps app.

The Total Money Makeover book

The Total Money Makeover Book

Dave’s #1 bestselling book has helped millions of people get rid of debt and change their lives with his simple plan—the 7 Baby Steps. Plus, you’ll get real-life stories from people just like you who have followed these principles to win with money.

debt snowball calculator

Debt Snowball Calculator

How quickly can you be debt-free? Answer five simple questions on the Debt Snowball Calculator to find out!

student loan payoff calculator

Student Loan Payoff Calculator

Tired of your student loans? The Student Loan Payoff Calculator helps you figure out your payoff date and how to pay off your student loans faster.

Debt to income ratio calculator

Debt-to-Income Ratio Calculator

How much of your hard-earned money is paying your debts? This handy calculator will save you the trouble of struggling through a fancy math equation to find that percentage. 


EveryDollar budget app

EveryDollar Budget App

Dave Ramsey's free budget app is the easiest way to create a budget and start saving money like a pro.

EveryDollar Guide to Budgeting

EveryDollar Guide to Budgeting

This free guide offers practical budgeting advice you can apply right away. Learn tips and tricks to help you budget smarter.

useful forms

Useful Forms

We all need a little help from time to time. Help is here! From budgeting to debt, download these useful forms to help you reach your money goals one by one.

envelope systems and wallets

Envelope Systems and Wallets

Want to cut back your spending? An envelope system can help you save money in major problem areas like groceries, restaurants and entertainment.


investment calculator

Investment Calculator

Calculate how much your retirement investments could be worth with our Investment Calculator.

retire inspired quotient, retirement calculator

Retire Inspired Quotient (R:IQ)

How much money do you need to live the retirement of your dreams? Use our simple retirement calculator to find out and create your plan.

Dave Ramsey's investing philosophy

Dave Ramsey's Investing Philosophy

What investments does Dave Ramsey recommend? Learn the investing lingo and how to create an investing plan that works for you.

SmartVestor investing pros

Find a Local Investing Pro

Find a qualified investing professional who can help you understand your investments and create a retirement plan.

Legacy guide

Legacy Guide

Let’s be real—talking about death is scary. But it’s not as scary as leaving your family blindsided after a tragedy. This free legacy guide shares how to have meaningful conversations with your loved ones about your final wishes.

Will preparation checklist

Will Preparation Checklist

You’re a smart person who loves their family and wants what’s best for them—that’s why you decided to make a will. But first, discover the seven things you need to decide before you fill out that will.


Coverage Checkup

Coverage Checkup

Each year, you need to check in on all areas of coverage for your money. This five-minute checkup will show you what you need to adjust and what to add or cancel to make sure you’re covered when life happens.

Term Life Insurance Calculator

Term Life Insurance Calculator

Just how much term life insurance do you need to make sure your family is taken care of? Use our calculator to find out!

Endorsed Local Providers for Insurance

Find a Local Insurance Pro

Whether it’s home, auto or health insurance, it’s important to know you’re protected and not overpaying for coverage. Connect with an independent insurance agent for top-notch customer service.

Online Will vs. Lawyer? Quiz

Online Will vs. Lawyer?

For most people, making a will and powers of attorney online is a great way to protect their family. To see if it works for you, spend a minute on our wills quiz.

HSA eligibility assessment

HSA Eligibility Assessment

A Health Savings Account (HSA) can help you save money on medical expenses. Oh, and did we mention that the money you contribute is tax-free and grows tax-free? Take this quick quiz to find out if you’re qualified for this awesome savings account.

Real Estate

Mortgage Calculator

Mortgage Calculator

There's more to homeownership than just a monthly payment. Our easy-to-use calculator will estimate your monthly payment and show you how much interest you’ll pay.

Mortgage Payoff Calculator

Mortgage Payoff Calculator

Use our Mortgage Payoff Calculator to see how fast you can pay off your mortgage!

Home Buyer's Guide

Home Buyers Guide

Don’t overspend in the end. Our free guide has tips about negotiating a price, saving on your mortgage, and picking the perfect location (it’s not where you think)!

Saving for a Down Payment Guide

Saving for a Down Payment Guide

Saving is simpler than you think—when you have a plan. So pump the brakes and learn the tools and tips to save up for your first home.

Home Seller's Guide

Home Sellers Guide

Sell your home fast and for top dollar. Get this free guide packed with great tips on how to make your house market ready.


Tax Preparation Checklist

Tax Preparation Checklist

Ready to start filing? Don’t miss out on credits and deductions that could help save you money!

Do You Need a Tax Advisor?

Do You Need a Tax Advisor?

Ever wondered if it’s worth it to hire a tax advisor? You might be surprised. Take a look at our tax services to see if you can file comfortably by yourself or if it’s best to work with a pro.

Endorsed Local Providers for Taxes

Find a Local Tax Pro

Let these endorsed tax advisors do the heavy lifting for you. Get higher refunds, faster filing and less stress with a local tax professional recommended by Dave Ramsey.


EntreLeadership Elite

EntreLeadership Elite

With our online leadership training program, learn and apply the business principles Dave Ramsey has used to build his company.

EntreLeadership book

EntreLeadership Book

Dave Ramsey’s national bestseller EntreLeadership is the business playbook that will teach you everything you ever wanted to know about building a business.

SmartDollar Financial Wellness Solution

SmartDollar – Financial Wellness Solution

Help your employees take control of their money once and for all with the only holistic financial wellness program that focuses on creating lasting behavior change.


Resume Guide

Resumé Guide

If you want to get noticed, you have to make your resumé noticeable. Learn how to create a perfect resumé using this simple guide so you can stand out before you walk in the door.

Interview Guide

Interview Guide

It’s your time to shine! If you want to get the job, preparation is key. Follow this guide and learn the five areas you need to spend time and effort on before the interview.

Interview Follow-Up Guide

Interview Follow-Up Guide

The way you follow up after the interview makes all the difference when it comes to getting the offer. Find out exactly how and when to follow up after your interview.

Career Clarity Guide

Career Clarity Guide

Too many people struggle to find work they love. Use this guide to get clarity and confidence about who you are so you can step into the work you were made to do.

Should I Quit My Job? Quiz

Should I Quit My Job? Quiz

Wondering if you should stay put or leave your job? You're not alone. In five minutes or less, discover the right move for you.