Tools & Resources

Looking for the best tools to help you stay focused and on track in your financial journey? You’ll find them here!

5-Minute Coverage Checkup

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Dave 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.

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Don't know where to start? Start here!

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!

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Weekly Newsletter

Stay connected with us and get expert money advice to work the Baby Steps faster, grow your business, get real estate tips and more!

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Dave Recommends

Finding a reliable company is sometimes difficult. We have done our research and found these companies to be the best.

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Try Ramsey+ for FREE

Discover the plan to help you dump debt for good, save for emergencies, and confidently build wealth for the future. Use our budgeting tool, EveryDollar, to take control of yourmoney. Track your progress and hit your money goals faster with the BabySteps app. Ramsey+ will walk with you every step of the way.

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The Total Money Makeover Book

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

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Debt Payoff Calculator

Do you want to know how quickly you can be debt-free? Answer five simple questions on the debt payoff calculator to find out!

Go to the Debt Payoff Calculator

Student Loan Payoff Calculator

Tired of your student loans? The Student Loan Payoff Calculator helps you determine your payoff date as well as how to pay off your student loans faster.

Go to the Student Loan Payoff Calculator


EveryDollar Budget App

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

Get EveryDollar

EveryDollar Guide to Budgeting

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

Learn How to Budget

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.

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Envelope Systems & Wallets

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

Shop Envelopes and Wallets


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.

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Investment Calculator

Calculate how much your retirement investments could be worth with our investment calculator.

Go to the Investment Calculator

Dave’s Investing Philosophy

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

See How Dave Invests

Find a Local Investing Pro

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

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Do You Need a Will?

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.

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5-Minute Coverage Checkup

Each year, you need to check in on all areas of coverage for your money. This 5-minute checkup will show you what you need to adjust, what to add or cancel to make sure you are covered when the inevitable comes.

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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!

Go to the Term Life Calculator

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. We’ll connect you with an independent insurance agent for top-notch customer service.

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Home Buying & Selling

Home Buyer's 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!)

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Mortgage Calculator

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

Go to the Calculator

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.

Get the Down Payment Guide

Home Seller's 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.

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Mortgage Payoff Calculator

Use our mortgage payoff calculator to see how fast you can pay off your mortgage!

Go to the Mortgage Payoff Calculator


Tax Preparation Checklist

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

Download My Tax Prep Checklist

Do You Need a Tax Advisor?

Ever wondered if it’s worth it to hire a tax advisor? You might be surprised. Take our quiz to find out!

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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.

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EntreLeadership Elite

Learn and apply the business principles Dave has used to build his company with our online leadership training program.

Join EntreLeadership Elite

EntreLeadership Book

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

Buy the Book

Business Idea Bootcamp

Do you have lots of great business ideas, but don’t know what to choose or where to start? This four-step course will show you how to go from dreaming to doing.

Join the Bootcamp

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.

Learn about SmartDollar

Help Change Lives!

  • Lead a Financial Peace University Course

    You don’t have to be a money expert to lead a Financial Peace University course. Best of all, you get to change lives! We make it easy to get started.

  • Become a Financial Coach

    You can deliver hope by helping people take control of their money. Join the select group of Ramsey Solutions Master Financial Coaches who are using their training to make an impact on others.