SmartDollar Reviews & Product Details

SmartDollar is a financial wellness program designed to help employees take control of their money, reduce financial stress, and achieve lasting financial success. Trusted by thousands of benefits teams and HR leaders across industries, SmartDollar empowers workforces to improve financial behaviors while increasing the utilization of other benefits like 401(k) plans. SmartDollar equips employees with a structured, step-by-step plan to reach essential financial milestones—budgeting, paying off debt, saving for emergencies, and building wealth. Through an engaging digital platform, employees access interactive lessons, personalized tools like EveryDollar (a top-rated budgeting app), Ramsey SmartTax, and one-on-one financial coaching. Progress tracking and actionable resources make financial education approachable lead to lasting behavior change. Employers also gain access to anonymized engagement data to measure program impact and employee outcomes. Founded by financial expert Dave Ramsey, SmartDollar serves organizations of all sizes—from large enterprises to fast-growing companies—spanning healthcare, manufacturing, retail, construction, and beyond. By addressing one of the leading causes of employee stress, SmartDollar helps organizations invest in their people, reduce financial stress, and drive meaningful outcomes for businesses and employees alike.

Product Website

Seller

Ramsey Solutions

Discussions

SmartDollar Community

Languages Supported

English, Spanish

Overview by

Paula Sanders

Value at a Glance

Averages based on real user reviews.

Time to Implement

1 month

View More Pricing Information

SmartDollar Integrations

(4)

Verified by SmartDollar

SmartDollar Media

We do financial wellness like no one else. While other financial wellness benefits promote or even profit off of debt, we help employees eliminate it.

We simplify money with a proven plan that guides employees through easy-to-follow lessons. We make it easy for your employees to gain control of their finances.

We know money isn't a math problem--it's a behavior problem. We will change your employees' habits so they can change their money and future.

We provide effective tools to help your employees, like our world-class budgeting app, EveryDollar, which helps users uncover margin in their budget and save on monthly expenses.

We provide every employee access to unlimited one-on-one coaching sessions where coaches can meet them where they are and steer them in the right direction to win with their money.

We provide measurable impact for you and your employees. Track return on investment for your employees through debt paid and dollars. See real impact on your business as well through increased retention, productivity and engagement.

Discover how SmartDollar helps employees manage their finances, stay focused, and become more productive, leading to a more engaged and loyal workforce.

EveryDollar, the powerful budgeting tool included with SmartDollar, helps employees make a plan for their money. With easy access on any device, bank connections, and on-the-go tracking.

The 7 Baby Steps are the guiding principles behind SmartDollar designed to walk employees through a proven plan to save, pay off debt, and prepare for the future.

Financial Coaching, part of SmartDollar, provides employees with personalized support to reach their financial goals faster. Employees can join group sessions or book one-on-one meetings with a coach who guides them through SmartDollar.

Ramsey SmartTax, included with SmartDollar, helps employees navigate tax season with ease and confidence. This straightforward tax software supports all major federal forms, deductions, and state filings—at no extra cost.

SmartDollar Reviews (432)

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Verified User in Education Management

Mid-Market (51-1000 emp.)

12/16/2025

"Empowers Financial Wellness and Goal Tracking"

5/5

What do you like best about SmartDollar?

It helps me move toward financial wellness, from building an emergency fund to eliminating debt to saving for retirement. I use this to help track spending and stay on track with my financial goals. Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

The advice it gives us is not to use credit cards for any reason, which nowadays is what I prefer to use, as it is easier to dispute any unauthorized charges. The cost of the program is high; if my employer didn't pay for it, I'm not sure I would do it. Review collected by and hosted on G2.com.

Jayne S.

Owner

Small-Business (50 or fewer emp.)

10/10/2025

"Smart Dollar has helped our employees be more aware of where their money is going and how to save."

5/5

What do you like best about SmartDollar?

The videos are extremely helpful. I appreciate that you can listen to them anywhere, even when you're driving. Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

SmartDollar is a costly program, but we have been fortunate enough to afford it for our employees. Review collected by and hosted on G2.com.

Sandra R.

Benefits Administrator

Mid-Market (51-1000 emp.)

3/21/2025

"SmartDollar: A Powerful Path to Financial Freedom!"

5/5

What do you like best about SmartDollar?

From the user friendliness of the website and app to the FANTASTIC support from our account representative, my experience has been beyond exceptional! Dylan Foley took me by the hand when I first started as Benefits Admin at my organization and has been a constant source of knowledge and support! This program offers practical, step-by-step guidance on budgeting, savings, and getting out of debt. The program is designed for long-term financial stability by teaching users how to work towards financial freedom. They offer a comprehensive and engaging resource library of easy-to-follow lessons, and motivational inspiration to stay the course. I am also very thrilled that materials are also offered in Spanish which broadens the scope of users. Very well done, team! Keep up the amazing work! Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

I don't have anything to share here. Everything has been positive! Review collected by and hosted on G2.com.

What problems is SmartDollar solving and how is that benefiting you?

As mentioned previously, this program is meant to teach users about financial literacy (something most people don't know much about). It puts easy to use tools and resources in their hands while providing support when you need it. It makes my job easier as the program calls the attention of those who need it without there being a need for heavy lifting on my part as the Benefits Admin. Review collected by and hosted on G2.com.

Jeanie F.

Vice President, Culture & Experience

Enterprise (> 1000 emp.)

2/28/2025

"It's actually interesting and it works!!"

5/5

What do you like best about SmartDollar?

Our people have had a $4.5 million turnaround! It's easy to implement and the self-paced tools and videos work! Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

I wish I could reset some of the debt and savings tools. I've used my account so many times for demonstration purposes that I no longer how much I've personally paid off and saved. Review collected by and hosted on G2.com.

What problems is SmartDollar solving and how is that benefiting you?

SmartDollar allows us to live our values by providing a tool that promotes individual potential and well-being. It provides sound financial education without trying to sell our employees on other products. While the financial principles are sound and simple, the SmartDollar tool is an innovative way to deliver solutions to our employees and our students.

I know first-hand that when people aren't worried about their finances, they can focus on their jobs and are more productive. When our employees' finances are in order, they have more options about the work they choose. When they choose to work for us because they want to, not because they have to, morale and productivity go up. Review collected by and hosted on G2.com.

Valorie W.

Partner

Small-Business (50 or fewer emp.)

2/14/2025

"SmartDollar is a fantastic personal financial tool that is comprehensive yet easy to use!"

5/5

What do you like best about SmartDollar?

I love how easy SmartDollar is to use! It was simple to set up, it provides great teaching, and it's filled with easy-to-understand personal financial information. I also love the connection with the EveryDollar budgeting app. It's so easy to create a monthly spending plan and keep track of our expenses throughout the month. My husband and I have better communication about our finances because we have these tools! We've also received great support from Caleb and the team at Ramsey Solutions! Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

I've been using SmartDollar for more than four years, and it just gets better and better! There really isn't anything I don't like about it. Review collected by and hosted on G2.com.

What problems is SmartDollar solving and how is that benefiting you?

It's really easy to be distracted and distressed when your personal finances are a mess. SmartDollar helps my husband and I create a monthly spending plan that we agree on and then track our spending and our progress throughout the month. That helps us stay focused and removes the stress that could so easily interfere with the rest of our lives. Review collected by and hosted on G2.com.

Sydney H.

Development Coordinator

Mid-Market (51-1000 emp.)

2/14/2025

"SmartDollar at Tanganyika Wildlife Park"

4.5/5

What do you like best about SmartDollar?

The website is easy to navigate, and you can almost always find what you are looking for with all the tools it provides. It was easy to send to our team members, and on the admin side, it was easy to track the points gained for incentives. Our relationship managers, Marie and Blake, have provided great support. Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

Sometimes, trying to give certain links doesn't always work. I have to give them the path from theloginn page instead of just saying click this link and go to where you need to. Review collected by and hosted on G2.com.

What problems is SmartDollar solving and how is that benefiting you?

As part of our commitment to employee financial wellness, we’ve implemented SmartDollar to help our full-time staff work toward the goal of becoming 80% consumer debt-free by February 2027.

Currently, we have around 55 employees enrolled, with about half of them actively engaging with the program on a regular basis. We've seen firsthand how SmartDollar is empowering our team to take control of their finances, build better habits, and gain confidence in their financial future. Employees appreciate the easy-to-follow lessons, actionable steps, and motivational approach that keeps them engaged.

While we continue to encourage participation and drive engagement, we’re already seeing positive momentum. SmartDollar has been a valuable tool in our efforts to support our team’s overall well-being, and we’re excited to see the long-term impact it will have. Review collected by and hosted on G2.com.

Jessica C.

E4 Champion

Mid-Market (51-1000 emp.)

2/14/2025

"SmartDollar tools have really been a gamechanger to my co-workers and I."

5/5

What do you like best about SmartDollar?

I really like the tools and the videos. There is so much there that makes you excited and encouraged to keep going. I feel like there is a resource for everything. The videos are up to date, and the platform is easy to navigate. From an adminsteration side for my company, it has been so cool to watch people jump in here and use the platform. We started a little lunch and learn called Buget Bites- it is a 10 week course. With the help of Nelson we got information for the class, shortened recap videos and workbooks to print. That has really put us all together and helped us use the platform on a regular basis. Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

I think the thing that would be most helpful is if EveryDollar and SmartDollar were more unifed. From the administration side- I feel like it is hard to help people gets EveryDollar loaded up. Review collected by and hosted on G2.com.

Lisa L.

Director of Finance

Enterprise (> 1000 emp.)

2/13/2025

"Empowering Financial Wellness for Our Employees"

5/5

What do you like best about SmartDollar?

Ramsey SmartDollar is an incredibly effective financial wellness program that provides a clear, step-by-step plan to help users take control of their money. With easy-to-use budgeting tools, debt payoff trackers, and engaging video lessons from Dave Ramsey and his team, it makes financial management simple and accessible. The program focuses on lasting behavior change, encouraging users to eliminate debt and build long-term financial stability. For employers, SmartDollar is a valuable benefit that reduces financial stress among employees, leading to improved well-being and productivity. Also, this program was easy to implement, and the support was amazing. Uploading employee information into the program was seamless and integrated well with internal sources. Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

While SmartDollar is an excellent financial wellness program, it could be even more effective with a built-in retirement platform, allowing users to create and manage investment accounts based on its principles. Review collected by and hosted on G2.com.

What problems is SmartDollar solving and how is that benefiting you?

SmartDollar helps us retain employees and promote financial wellness by reducing financial stress and improving overall well-being. By empowering staff with practical money management skills, it boosts job satisfaction, productivity, and engagement. Offering this benefit also strengthens loyalty and helps attract top talent, creating a more financially stable workforce. Review collected by and hosted on G2.com.

Andrew C.

Director of Follow-Up

Mid-Market (51-1000 emp.)

2/13/2025

"We've had a great experience with SmartDollar"

5/5

What do you like best about SmartDollar?

Its an easy platform to work with. Its easy to switch back and forth form the administration view and your personal view. A lot of great content for our team to process and they only have to go to one spot to find it all. Content all created for you to share for your team when doing campaigns. Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

The only thing I can think of is it breaks down your activties in categories for the time period you have been with SmartDollar but would like to see a monthly breakdown. Review collected by and hosted on G2.com.

What problems is SmartDollar solving and how is that benefiting you?

For me personally I was already using EveryDollar and very plugged in to Daves program but being in my role with our organization I wanted to be able to bring this to our entire staff. I think for our company having EveryDollar has been the biggest benefit for our staff. 80% of our staff are right out of college and spend 2-3 years with us so we know we don't have a lot of time with them and were usually their first job out of college. Over the years I've had countless conversations with our team members and the one area that seemed to be the struggle is budgeting and paying off debt. SmartDollar has provided a plan for them to attack debt and taught them how to get a grasp of where their money is going by budgeting. The other thing is SmartDollar has allowed me to bring something I'm passionate about in my personal life to our company and it even motivates me to keep on the journey. Review collected by and hosted on G2.com.

Kathy N.

Chief of Staff

Small-Business (50 or fewer emp.)

2/13/2025

"Beyond Impressed"

5/5

What do you like best about SmartDollar?

The software is impressive but what is even more impressive is our representative. Blake has gone above and beyond to ensure that all of our questions and concerns are addressed at all times. He understands that our schedules can be difficult and he is always very respectful of our time. The platform is easy to use and I feel that we have an amazing support system through Smart Dollar and could not be more satisfied. I was not sure in the beginning if this was really something we needed but it has been wonderful for those that have needed a little additional guidence. Forever greatful! Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

I have not encountered any downsides at this time. Review collected by and hosted on G2.com.