Tools & Resources
Looking for the best tools to help you stay focused and on track in your financial journey? You’ll find them here!
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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.
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!
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!
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.
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.
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!
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.
Budgeting
EveryDollar Budget App
Dave’s free budgeting app is the easiest way to create a budget and start saving money like a pro.
EveryDollar Guide to Budgeting
This free guide offers practical budgeting advice you can apply immediately. Learn tips and tricks to help you budget smarter.
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 & Wallets
Want to curb your spending? An envelope system can help you save money in major problem areas like groceries, restaurants and shopping.
Retirement
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.
Investment Calculator
Calculate how much your retirement investments could be worth with our 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.
Find a Local Investing Pro
Find a qualified investing professional who can help you understand your investments and create a retirement plan.
Insurance
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.
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.
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!
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.
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!)
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.
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
Sell your home fast and for top dollar. Get this free guide packed with great tips on how to make your house market-ready.
Mortgage Payoff Calculator
Use our mortgage payoff calculator to see how fast you can pay off your mortgage!
Taxes
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?
Ever wondered if it’s worth it to hire a tax advisor? You might be surprised. Take our quiz to find out!
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.
Business
EntreLeadership Elite
Learn and apply the business principles Dave has used to build his company with our online leadership training program.
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.
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.
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.
Help Change Lives!
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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.
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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.