--- title: SmartDollar Reviews meta_title: 'SmartDollar Reviews 2026: Details, Pricing, & Features | G2' meta_description: Filter 599 reviews by the users' company size, role or industry to find out how SmartDollar works for a business like yours. aggregate_rating: rating_value: 4.8 review_count: 599 scale: '5' date_modified: '2026-08-14' parent_category: name: HR url: https://www.g2.com/categories/hr --- # SmartDollar Reviews **Vendor:** Ramsey Solutions **Category:** [Financial Wellness Software](https://www.g2.com/categories/financial-wellness) **Average Rating:** 4.8/5.0 **Total Reviews:** 599 ## About SmartDollar 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. ## SmartDollar Pros & Cons **What users like:** - Users find SmartDollar to be incredibly **easy to use** , enhancing organization and accessibility of financial resources. (206 reviews) - Users value the **extensive resources** offered by SmartDollar, enhancing their financial success with educational tools and support. (182 reviews) - Users love the **abundant educational resources** of SmartDollar, making it easy to improve financial habits and support employees. (128 reviews) - Users commend the **amazing customer support** of SmartDollar, highlighting helpfulness and responsiveness from the team. (93 reviews) - Users value the **employee benefits** of SmartDollar, highlighting its positive impact on financial wellness and team success. (84 reviews) - Financial Management (81 reviews) - Simple (63 reviews) - User Interface (63 reviews) - Benefits (59 reviews) - Implementation Ease (46 reviews) **What users dislike:** - Users find the **limited customization** of SmartDollar makes it challenging to tailor the app to their personal financial needs. (27 reviews) - Users find the **high fees** of SmartDollar concerning, affecting its accessibility and overall value for employees. (16 reviews) - Users find the **manual processes** time-consuming and overwhelming, especially when balancing busy schedules. (12 reviews) - Users find **accountability and pricing issues** with SmartDollar, impacting their overall experience and effectiveness. (11 reviews) - Users experience **technical problems** with SmartDollar, including duplicated transactions and difficulties in budgeting functionality. (11 reviews) - Account Setup (9 reviews) - Users report **poor customer support** , making it difficult to effectively engage with the SmartDollar program. (8 reviews) - Integration Issues (6 reviews) - Slow Performance (6 reviews) - Delayed Services (5 reviews) ## SmartDollar Reviews ### 1. Life-Changing Budgeting: Baby Steps, Money Tools, and SmartTax Made Easy **Rating:** 5.0/5.0 stars **Reviewed by:** Angela S. | Clinic Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** February 19, 2026 **What do you like best about SmartDollar?** What I love most and has helped my family are the Baby Steps and Money Tools. The Baby Steps and the Debt Snowball Tool have been essential in getting us out of debt when we find ourselves there. The Money Tools section is where it's at! EveryDollar is life changing! How did we manage our money before this? I have not been in an uncomfortable money situation since using EveryDollar because we are planning for everything. And, because we have an emergency fund, we can afford those emergencies that come up-and take care of it with cash and NOT debt! We've been filing our taxes through SmartTax for the past 3 years now, for FREE, and they make it easy. When I had to ask a question, I got a quick and in-depth response from the experts. By watching videos and reading articles through the Learning tool, we've got our insurance in order, including life insurance, and are saving more than we ever thought we would in our retirement accounts. Money problems don't usually have a quick fix-it's a long marathon you can't quit. SmartDollar keeps us on our marathon path. SmartDollar has easy steps to get your going down the right path without being too overwhelming. I find I only need to log in and use it 2-3 times per month to keep my budget and goals on track. Plus, the EveryDollar app is available on my phone if I want to manage my transactions and budget anytime. **What do you dislike about SmartDollar?** When tracking transactions with the budgeting app, I can get tripped up with payments towards credit/debt because it will show the transaction removing money from my account-payment towards my debt. But then it also shows a positive payment towards my debt-which shows my debt decreasing-however, I don't think I'm supposed to track both because they cancel each other out? EveryDollar doesn't sync two accounts for debt where I can track the money being paid from my checking account and then money being paid towards my debt. **What problems is SmartDollar solving and how is that benefiting you?** Reducing and keeping my family out of debt. Helping to set realistic and attainable money goals. Serving as a tool to reference when making bigger financial life decisions. A great example would be life insurance- did we need it? And if so, how much? **Official Response from Paula:** > Hi Angela, thank you for this feedback! What you're seeing is actually two separate things: (1) the transaction leaving your checking account (a budget expense), and (2) your debt balance decreasing (tracked in the debt snowball tool). You only need to categorize the expense in your budget, then the debt tool updates automatically. You don't need to enter both. If you’d like some help, our coaches can talk you through this in just a few minutes. You can book a session right from the Coaching tab in SmartDollar. ### 2. EveryDollar Helps Control Spending with Data and Categorization **Rating:** 4.5/5.0 stars **Reviewed by:** Michael V. | Admin/IT, Small-Business (50 or fewer emp.) **Reviewed Date:** February 16, 2026 **What do you like best about SmartDollar?** It helps me identify my spending. I have learned quite a bit and used the data to control my spending. I learned that I have/had subscriptions that I didn't realize. It has also showed me how even the small expense add up to become a large line item. Example: restaurants and gas station purchases. **What do you dislike about SmartDollar?** It took a long time to setup. However, there's really nothing that can be done about that. That being said, anything that requires effort usually pays off. EveryDollar has paid off. Now everything auto updates from my accounts. All I have to do is select the category. EveryDollar tries to remember some purchases, but it still need fine tuning. However, it sometimes will categorize correctly. **What problems is SmartDollar solving and how is that benefiting you?** It showed me how the little purchases add up to big expenses. It's easy to remember the mortgage and utilities, but all the little nickel and dime things add up to a lot of money. In particular, the little $9.99 items seem meaningless, but get 10 of them and you've got $100. Believe me, 10 is not hard to do. It's probably more like 20 or 30. ### 3. SmartDollar is an incredible resource! **Rating:** 5.0/5.0 stars **Reviewed by:** Matt K. | Director of People Engagement, Enterprise (> 1000 emp.) **Reviewed Date:** February 21, 2025 **What do you like best about SmartDollar?** The most helpful thing is the totality of resources. You have access to so many incredible resources from budgeting tools and info to videos and articles about retirement, debt, taxes and so much more. They also have encouraging videos of people's lives who have been impacted by SmartDollar, and they talk about how they were able to accomplish financial success. I also enjoy the actual calls that show real people's issues as they interact with financial experts to try and help. **What do you dislike about SmartDollar?** I don't dislike anything about Smart Dollar. There are so many resources, sometimes it takes you awhile to find what you're looking for. **What problems is SmartDollar solving and how is that benefiting you?** Smart Dollar is helping me budget and save for my retirement. Also, it's helping our employees make the most of their dollars earned and maximize their full financial life! **Official Response from Paula:** > Hi Matt, thanks for reaching out! You’re not wrong. SmartDollar offers a ton of financial resources. The search function is the fastest way to navigate the library. Just enter a keyword and relevant content will surface right away. We also have curated learning paths organized by Baby Step so users can follow a clear plan without needing to browse. We'll keep working on making navigation even more intuitive! ### 4. EveryDollar Makes Budgeting Clear and Saving Easy **Rating:** 5.0/5.0 stars **Reviewed by:** Dessie W. | City Administrator Finance Director, Small-Business (50 or fewer emp.) **Reviewed Date:** February 17, 2026 **What do you like best about SmartDollar?** I love using the EveryDollar budgeting tool! It helps so much just to see each month where all of my money goes. I have managed to cut back a lot on spending, after seeing the unnecessary subscriptions and other miscellaneous items I was randomly purchasing. The short educational videos are awesome as well. I love hearing ideas on creative ways to save money and cut costs! **What do you dislike about SmartDollar?** I honestly cannot think of anything I dislike. The only problem I am having is getting my employees as excited about SmartDollar as I am! **What problems is SmartDollar solving and how is that benefiting you?** I've been thinking for years that I wanted to create and follow a budget, and just never got around to it before SmartDollar. EveryDollar makes it so easy. The benefit is knowing exactly where my money is being spent each month, which helps me plan better for the next month! ### 5. Incredibly Valuable Coaching and an Educational Budgeting Experience **Rating:** 5.0/5.0 stars **Reviewed by:** Paula P. | Human Resources Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** February 19, 2026 **What do you like best about SmartDollar?** The opportunity for individual coaching was incredibly valuable to me. I also found the budgeting process through EveryDollar very educational. From an administrative standpoint, I like how easy it is to set up new teammates. **What do you dislike about SmartDollar?** I'm having trouble getting my team to embrace this benefit. I don't know if they fully trust that the company is not able to see their personal financial information. A demo video that shows what the company has access to would be useful (perhaps that exists and I just haven't discovered it yet). **What problems is SmartDollar solving and how is that benefiting you?** We offer this as a benefit to our employees. When an employee mentions financial issues, they are having, I can keep the discussion professional and suggest they take advantage of this budgeting resource. It gives me an alternative to just discussing when they may be eligible for a salary adjustment. **Official Response from Paula:** > Hi Paula, this is a really common and understandable concern, and we're glad you brought it up! As an employer administrator, you only have access to aggregated, anonymized engagement data. That includes things like how many employees have logged in or which Baby Steps are most active. You never see any individual employee's personal financial details, account balances or transactions. We do have resources to help communicate this to employees, including privacy FAQs and talking points. Reach out to your relationship manager and we'll get those to you. ### 6. Smart Dollar’s Wealth of Resources Is a Game-Changer **Rating:** 5.0/5.0 stars **Reviewed by:** Bailey M. | Finance & HR Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** February 17, 2026 **What do you like best about SmartDollar?** Smart Dollar has sooo many resources! It's amazing to get in there and see what you have access to- what you're able to do just by having Smart Dollar! It's been amazing being able to offer it to the employees here! **What do you dislike about SmartDollar?** Sometimes it's hard to navigate and find exactly what you need- but that could also be a learning curve/hurdle needing to jump over. **What problems is SmartDollar solving and how is that benefiting you?** Helping us to solve the financial literacy problem we've had in our company. Being able to offer this to the employees here and see them attend the classes, speak with coaches, and really want to move forward in their financial life has been amazing! **Official Response from Paula:** > Hi Bailey, thank you for sharing this! With so much content available, finding exactly what you need can take a little exploration at first. The search bar at the top of the platform is a great shortcut. Just type in a topic like "debt" or "retirement" and it'll surface the most relevant videos and tools quickly. Your relationship manager can also share a content map if that would help you and your employees orient faster. ### 7. User Friendly, Helpful, and the Reps ROCK **Rating:** 5.0/5.0 stars **Reviewed by:** Alex W. | Director of HR and Recruiting, Mid-Market (51-1000 emp.) **Reviewed Date:** January 16, 2025 **What do you like best about SmartDollar?** The ease of access and use is something that's very helpful when trying something new that you may not understand. The knowledge you receive is tremendous, and the videos are easy to understand and gain insight on. I especially like that I can type in specific financial insight I'm looking for, like "Saving for College," and videos will pop up for me to listen to. **What do you dislike about SmartDollar?** Can't think of any that I honestly can say I dislike. **What problems is SmartDollar solving and how is that benefiting you?** The idea of money management is hard for me to comprehend, so it's very good to have access to the financial literacy! ### 8. Practical, Personalized Financial Education at Your Fingertips **Rating:** 5.0/5.0 stars **Reviewed by:** Nichole M. | General Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** February 18, 2026 **What do you like best about SmartDollar?** I loved that it is education at your fingertips. It is providing practical and insightful information to our employees and I do not have to meet with them one on one. They can tailor it to focus on their personalized needs whether that is savings, taxes, or budgeting. **What do you dislike about SmartDollar?** The platform is a bit difficult to navigate and isn't super mobile friendly. I have had to "hand hold" some employees to help them learn how to navigate it themselves rather than just logging in and it being simplistic and easy. **What problems is SmartDollar solving and how is that benefiting you?** Since offering SmartDollar to our employees, it has drastically reduced the number of "Pay day loan" requests from our employees. Our managers have been asked alot less if they can loan out $20 to get them by until pay day because our employees are learning budgeting and financial management. **Official Response from Paula:** > Hi Nichole, thank you for the honest feedback! You’re not alone here. We do hear from time to time that some employees need more of a guided introduction to the platform, and we’re always looking to improve the ease of which folks of all tech skill levels can navigate SmartDollar. For a right-now solution, SmartDollar offers a quick-start guide and onboarding resources specifically made for employees that can make that first login much smoother. Ask your relationship manager to share the employee launch toolkit. We’ve seen it reduce the handholding significantly. ### 9. Empowering Support and Education That Drives Financial Progress **Rating:** 5.0/5.0 stars **Reviewed by:** Matthew N. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** February 26, 2026 **What do you like best about SmartDollar?** The support, education and empowerment it can give our team to move toward margin and progress in their financial lives. **What do you dislike about SmartDollar?** No downside per se unless team refuses to utilize. **What problems is SmartDollar solving and how is that benefiting you?** Many people are in near constant financial stress. Employees need income from work and jobs where they can grow/contribute. Best outcome is support for team growth beyond paycheck that can benefit both employer and employee - improvement for financial life of employee and feeling like they are making progress toward financial goals, and employer gets an employee with better ability to focus and hopefully lead to engagement. ### 10. Bitter / Sweet **Rating:** 2.5/5.0 stars **Reviewed by:** Nicholas A. | Technical Director, Small-Business (50 or fewer emp.) **Reviewed Date:** February 26, 2026 **What do you like best about SmartDollar?** I love the features that it offers. Most used items include budgeting, future planning, the baby steps, Smart Tax, the will, and the learning videos are great. **What do you dislike about SmartDollar?** Our rep Gus! He is impossible to get a hold of! I have tried many many times to get ahold of him through email, phone, and the form on the smart center page. Absolutely no replies... He has also made promises that he didn't follow through with! Not impressed. Huge disappointment... **What problems is SmartDollar solving and how is that benefiting you?** Love the the product of smart dollar in helping our staff get a top of there personal finances. **Official Response from Paula:** > Hi Nicholas, thank you for reaching out and taking the time to share this with us. We’re sorry this has been your experience. This isn’t the standard we hold ourselves to, and we’d like the chance to make it right. The issue has been raised and is being handled appropriately. If you’d like to talk this through further, please email our team directly at smartdollar.help@ramseysolutions.com. Again, thank you for letting us know. ### 11. Fantastic Tools for Employee Financial Wellness **Rating:** 5.0/5.0 stars **Reviewed by:** Marilyn H. | Secretary, Small-Business (50 or fewer emp.) **Reviewed Date:** February 13, 2025 **What do you like best about SmartDollar?** I like using SmartDollar as an employee perk. The tools, especially having searchable podcasts, information, and the budget feature, make it very useful. I've been impressed with the updates and features that have been added over the past couple of years. The initial setup was very easy, and I rate my likelihood to recommend it a 10. I wish more of our employees would take advantage of it. **What do you dislike about SmartDollar?** That it isn't being used by our employees **What problems is SmartDollar solving and how is that benefiting you?** I use SmartDollar for employee perks, and I love the searchable podcasts, information and budgeting tools. Setting it up was very easy. ### 12. Great Learn Section, But Hard to Get Employees Engaged **Rating:** 3.0/5.0 stars **Reviewed by:** Verified User in Government Administration | Mid-Market (51-1000 emp.) **Reviewed Date:** February 18, 2026 **What do you like best about SmartDollar?** I like the learn section. It gives me knowledge that is ready at my fingertips. **What do you dislike about SmartDollar?** I think it is a hard benefit to push out to employees. I enjoy the app but I can not make others enjoy it as much as I do. It seems that financials are not on the forefront of their minds and that is an issue because we pay so much for SmartDollar. **What problems is SmartDollar solving and how is that benefiting you?** I do not think we have had SmartDollar for a long enough time to get any feedback from employees. From what I seen it is solving a tax issue. Many employees are interested in the tax software that is included because they do not have to pay for that software from their own pockets. ### 13. All-in-One Cash Flow Tracking With Excellent Staff Resources **Rating:** 5.0/5.0 stars **Reviewed by:** DonnaSue E. | CHRO, Small-Business (50 or fewer emp.) **Reviewed Date:** February 17, 2026 **What do you like best about SmartDollar?** I like being able to keep track of cash flow, and I also appreciate the incredible resources available to staff. **What do you dislike about SmartDollar?** It’s hard to find a downside. It has everything I need to get my financial affairs in order, and it covers all the essentials in one place. **What problems is SmartDollar solving and how is that benefiting you?** SmartDollar helps me keep my finances visible whenever I need them. Because I can see everything clearly, I’m able to move my money around, pay down debt earlier, and ultimately pay less interest. ### 14. Helping people to help themselves. **Rating:** 5.0/5.0 stars **Reviewed by:** Shelly F. | Accounts payable/ Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** January 23, 2025 **What do you like best about SmartDollar?** The budget app part. It really helps with everyday life. The videos are a good fall back. Enjoy being able to have all that information in one spot **What do you dislike about SmartDollar?** I don’t like the emails always asking to create an account. Like here activate your account and everyone I send the email to has an account. The emails need to be more about the services then just activating the account **What problems is SmartDollar solving and how is that benefiting you?** Tracking where my money is going and having a every dollar app ### 15. SmartDollar Builds Strong Financial Skills for Our Team **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Environmental Services | Mid-Market (51-1000 emp.) **Reviewed Date:** February 23, 2026 **What do you like best about SmartDollar?** I believe my employees managing their time and their money well becomes the largest impact they can make in their lives and the lives of others. SmartDollar helps to develop financial skills in the men and women that I love and have a duty to serve. **What do you dislike about SmartDollar?** I have a largely Latino workforce, many of whom did got get a full education. Basic money sense set aside, even reading or some elements of technology can be a challenge for us to empower them. Meeting these folks where they are at could improve retention with the tools and impact in their lives and that of their loved ones. **What problems is SmartDollar solving and how is that benefiting you?** My connection with Gus made a massive difference. We share a heart for sharing both The Gospel and best practices with a Spanish speaking labor crowd. His availability to host occasional round tables with the employees in their native language means the world to me. SmartDollar + Gus = Alignment. ### 16. SmartDollar Empowers Every Financial Journey with Tools to Succeed **Rating:** 5.0/5.0 stars **Reviewed by:** Julie D. | Senior Audit Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** February 26, 2026 **What do you like best about SmartDollar?** SmartDollar provides a wealth of information to employees no matter where they are in their financial journey. From getting out of debt to building wealth, SmartDollar has the tools and resources needed for success! **What do you dislike about SmartDollar?** Nothing! I love it all! SmarDollar is an amazing program. **What problems is SmartDollar solving and how is that benefiting you?** It is helping our employees gain control of their finances so that is one less stress they have in their lives. ### 17. Free Resources That Get Employees Engaged in Financial Planning **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Construction | Mid-Market (51-1000 emp.) **Reviewed Date:** February 23, 2026 **What do you like best about SmartDollar?** Smart Dollar has many free resources that encourage employees to sign up and take advantage, even if they are not convinced, they want to follow the plan. In our experience, it was a great way to get everyone talking about the product and finances in general. Additionally, the resources provided to email out to employees and hang up around the office are very user-friendly and quick to use. **What do you dislike about SmartDollar?** I do not have anything negative to say about the product. The only complaint I have heard is that you can't attach a credit card to every dollar the same way you can a debit card......but that is sort of the point LOL. **What problems is SmartDollar solving and how is that benefiting you?** There are a few people here who really started following the plan, and it truly changed not only their financial situation but also their contentment. They are happier individuals. ### 18. All-in-One Budget Tracking and Goal Setting with SmartDollar **Rating:** 5.0/5.0 stars **Reviewed by:** Joseph C. | Early Career Specialist, Small-Business (50 or fewer emp.) **Reviewed Date:** February 16, 2026 **What do you like best about SmartDollar?** I like having all the resources at my disposal from tracking my budget to creating monthly and long-term goals. **What do you dislike about SmartDollar?** Having more suggestions on the SmartDollar website would be helpful. It would be great to see an amount in my budget that would be a "recommended" amount based on my income. **What problems is SmartDollar solving and how is that benefiting you?** Helping me track where all of my money is going throughout a given month. ### 19. Smart Money Tools and Helpful Giveaways **Rating:** 4.0/5.0 stars **Reviewed by:** Alli L. | Office Coordinator, Mid-Market (51-1000 emp.) **Reviewed Date:** February 18, 2026 **What do you like best about SmartDollar?** There are a variety of different things to help you be smarter with your money. Plus the give a ways **What do you dislike about SmartDollar?** some videos can be long, and if you don't have a ton of time to watch it all in one sitting it can be hard to get back into it. **What problems is SmartDollar solving and how is that benefiting you?** I'm not sure if there are any problems, nothing really stands out. ### 20. Smart Dollar Helped Our Team Pay Off Debt and Become Better Financial Stewards **Rating:** 5.0/5.0 stars **Reviewed by:** William J. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** February 17, 2026 **What do you like best about SmartDollar?** Smart Dollar has been a great resource for helping our team learn how to be good stewards of their finances. Our team has paid off an incredible amount of debt, and I’m confident that wouldn’t have happened without Smart Dollar. **What do you dislike about SmartDollar?** I don’t really have any dislikes. It does take a good bit of time to set up, but it’s definitely worth the effort. **What problems is SmartDollar solving and how is that benefiting you?** Offering this program has made a real impact on our team’s productivity. It’s exciting every time a team member celebrates a win, and it’s been great to see that momentum build. ### 21. Financial Education for the Team made easy **Rating:** 4.5/5.0 stars **Reviewed by:** Jeremy H. | President and Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** February 14, 2025 **What do you like best about SmartDollar?** It's great to have everything in one spot for tracking the baby steps, learning new things, and helping the team do the same. **What do you dislike about SmartDollar?** Sometimes with so much info it is hard to take it all in. **What problems is SmartDollar solving and how is that benefiting you?** Smartdollar helps my team stay on track with getting out of debt and learning financial topics. ### 22. Smart Dollar is a good program **Rating:** 5.0/5.0 stars **Reviewed by:** Amy R. | CFO, Small-Business (50 or fewer emp.) **Reviewed Date:** January 28, 2025 **What do you like best about SmartDollar?** I wanted to add a success story for one of our employees using Smart Dollar. We have a young man just starting out. Using the budgeting program, he was able to save money to purchase an engagement ring and move from his parents' house while remaining debt free! He also has shared his success with other employees encouraging them as well. **What do you dislike about SmartDollar?** There is nothing further that I would suggest at this time. **What problems is SmartDollar solving and how is that benefiting you?** We are providing employees a clear way to use their money wisely. ### 23. Smart Tax and Budgeting Tools Employees Love **Rating:** 4.0/5.0 stars **Reviewed by:** Nate C. | Director of HR, Mid-Market (51-1000 emp.) **Reviewed Date:** February 16, 2026 **What do you like best about SmartDollar?** the budgeting app we get to provide to our employees, and all the content and tools that are available to them. But the best thing has been Smart Tax **What do you dislike about SmartDollar?** I havent found any downsides of using it **What problems is SmartDollar solving and how is that benefiting you?** We've had multiple people use the coaching sessions so far which is cool. We'll occasionally get money issues from employee's that came across HR and being able to have a solution to point them too is great so it doesnt all fell like it falls on our plate. ### 24. Motivating Courses and Tools That Inspire Financial Freedom **Rating:** 5.0/5.0 stars **Reviewed by:** Michelle G. | CEO, Mid-Market (51-1000 emp.) **Reviewed Date:** February 19, 2026 **What do you like best about SmartDollar?** I use it for teaching and for inspiring others to learn that financial freedom is available to them. Watching the courses and using the tools helps keep us motivated and focused. **What do you dislike about SmartDollar?** Navigating the website between Smart Dollar and the Money tools, and then back again, often gets confusing. **What problems is SmartDollar solving and how is that benefiting you?** We use this as an employee benefit, and it’s helping our team manage their money better while feeling more motivated and hopeful about their future. It’s also getting more people involved in our retirement plans. ### 25. A valuable resource for everyone who wants to meet their financial goals **Rating:** 5.0/5.0 stars **Reviewed by:** Jennifer H. | Director of Financial Well Being, Enterprise (> 1000 emp.) **Reviewed Date:** February 27, 2026 **What do you like best about SmartDollar?** I really appreciate the added tools, like being able to file taxes for free and create a will. I also love that it includes the premium version of EveryDollar. On top of that, the videos from the other Ramsey personalities are wonderful, too. **What do you dislike about SmartDollar?** There’s nothing I dislike about SmartDollar, because the program has so much to offer. **What problems is SmartDollar solving and how is that benefiting you?** It’s helping me work toward financial freedom by keeping me on track and accountable as I pursue my personal financial goals. ### 26. Smart Dollar Makes Getting Started Easy with Bite-Sized Insights **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Consumer Services | Small-Business (50 or fewer emp.) **Reviewed Date:** February 25, 2026 **What do you like best about SmartDollar?** Smart Dollar breaks things down into understandable "bites" of information so it doesn't feel overwhelming to get started. **What do you dislike about SmartDollar?** Haven't found a downside yet! The features our company has used so far have been excellent. **What problems is SmartDollar solving and how is that benefiting you?** Smart Dollar has helped many of our team members start to learn about their finances, how to create and stick to a budget, and know they have a place to go for support when they have questions or need advice. ### 27. Easy to Follow Baby Steps with SmartDollar **Rating:** 5.0/5.0 stars **Reviewed by:** Kristi H. | Accountant, Small-Business (50 or fewer emp.) **Reviewed Date:** February 19, 2026 **What do you like best about SmartDollar?** The ease of seeing the plan and getting to the resource materials. **What do you dislike about SmartDollar?** Taking the first step, which is a ME issue not SmartDollar **What problems is SmartDollar solving and how is that benefiting you?** SmartDollar is helping me and my husband get a plan together to plan for the future. ### 28. SmartDollar Helped Our Staff Better Understand Their Money **Rating:** 5.0/5.0 stars **Reviewed by:** Anissa P. | Director of Operations, Small-Business (50 or fewer emp.) **Reviewed Date:** February 17, 2026 **What do you like best about SmartDollar?** How much it has helped our staff getting a better understanding of their money. **What do you dislike about SmartDollar?** I do not really dislike anything about SmartDollar other than your are financial people not attorneys so you should not offer to do legal documents for your clients. **What problems is SmartDollar solving and how is that benefiting you?** SmartDollar had given the staff the benefit of saving for their futures and paying down their debt. They have all embraced the idea and hopefully going forward will continue to be financially successful. ### 29. Debt Payoff, Budgeting, and Goal Tracking That Keep Us on Track **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Health, Wellness and Fitness | Mid-Market (51-1000 emp.) **Reviewed Date:** February 18, 2026 **What do you like best about SmartDollar?** The things that I and my team find most beneficial are the debt payoff tool, budgeting guidance, and goal setting and tracking. These tools help keep us on track and moving toward a healthier financial living. **What do you dislike about SmartDollar?** The biggest downside is the time commitment. It can be overwhelming to stay on top of things like updating budgets, following lessons, etc. Especially with a busy life. **What problems is SmartDollar solving and how is that benefiting you?** Minimizing debt and saving. ### 30. Eye opening **Rating:** 5.0/5.0 stars **Reviewed by:** Kristy L. | Financial Administrator, Small-Business (50 or fewer emp.) **Reviewed Date:** February 13, 2025 **What do you like best about SmartDollar?** SmartDollar is not only informative and easy to use, but it also shows you, you are not alone. Real time transactions along with tutorials on the baby steps gives you a confidence about your financial future. **What do you dislike about SmartDollar?** My only blip thus far, is not being guided to watch those tutorials first, before I was sent straight to setting up a budget. **What problems is SmartDollar solving and how is that benefiting you?** Paying off debt which relieves unnecessary stress. ### 31. Making a impact for our employees in their fiscal knowledge. **Rating:** 4.5/5.0 stars **Reviewed by:** Randall W. | COO, Small-Business (50 or fewer emp.) **Reviewed Date:** February 18, 2026 **What do you like best about SmartDollar?** Building financial knowledge and giving our staff the opportunity to learn good fiscal responsibility **What do you dislike about SmartDollar?** Better ways to monitor utilization by our staff to make sure we are getting use out of the application. **What problems is SmartDollar solving and how is that benefiting you?** Making our staff fiscally smarter and working towards a better life style. This ultimately benefits the company in that they understand the value of saving money and not living paycheck to paycheck. ### 32. Excellent Employee Education Component **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Education Management | Mid-Market (51-1000 emp.) **Reviewed Date:** February 27, 2026 **What do you like best about SmartDollar?** The education component for employees. Employees who participate appreciate the access. **What do you dislike about SmartDollar?** I wish all employees would take advantage of this benefit. Also, I offer incentives based on points employees earn; however, employees act like they cannot see the point value they have earned. **What problems is SmartDollar solving and how is that benefiting you?** Building financial literacy for employees who may not have any experience in that area. ### 33. Caleb is Awesome! My experience is great so far. **Rating:** 5.0/5.0 stars **Reviewed by:** Stephanie R. | Senior Project Advisor, Mid-Market (51-1000 emp.) **Reviewed Date:** February 12, 2025 **What do you like best about SmartDollar?** The Everydollar app and the courses the platforms offer. **What do you dislike about SmartDollar?** I dont dislike anything about SmartDollar so far. **What problems is SmartDollar solving and how is that benefiting you?** SmartDollar is solving the financial wellness aspect for our Health and Wellness program at Third Way. We were looking for a way to provide workshops and services about financial wellness that the staff was really interested in and that wanted to engage. ### 34. We implemented SmartDollar in mid-2024, and have seen strong participation. Caleb has been great. **Rating:** 5.0/5.0 stars **Reviewed by:** Ray S. | Director of Finance, Mid-Market (51-1000 emp.) **Reviewed Date:** February 13, 2025 **What do you like best about SmartDollar?** Employees really appreciate the availability of the tool. We have received positive responses and hear many stories about how they are learning to manage money and that they had no guidance about before. **What do you dislike about SmartDollar?** Nothing significant comes to mind to dislike. **What problems is SmartDollar solving and how is that benefiting you?** This has gotten good support and response from our employees, which is important to us. ### 35. I love being able to provide a resource to our team members and see them succeed. **Rating:** 5.0/5.0 stars **Reviewed by:** Daniel B. | CFO, Mid-Market (51-1000 emp.) **Reviewed Date:** January 27, 2025 **What do you like best about SmartDollar?** The amount of resources that are available for life success and not just financial success is impressive. **What do you dislike about SmartDollar?** I have not experienced a downside yet, so none. **What problems is SmartDollar solving and how is that benefiting you?** I have many team members who need assistance in paying off debt and becoming financially free, and this opens opportunities for us to help them do that. ### 36. Empowering My Team to Take Control of Their Finances **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Hospital & Health Care | Small-Business (50 or fewer emp.) **Reviewed Date:** February 22, 2026 **What do you like best about SmartDollar?** I used Dave Ramsey's principals to become debt free. I am very happy with this service because it teaches my team the same principles so they can take control of their finances as well. **What do you dislike about SmartDollar?** I don’t really have any problems with how Smart Dollar is working for my team. So far, it’s been running smoothly and meeting our needs. **What problems is SmartDollar solving and how is that benefiting you?** I wanted to share Dave Ramsey's methods for eliminating debt and creating wealth. SmartDollar is that program. Since implementation my team has eliminated over 100,000 in consumer debt. ### 37. Excellent Budgeting Tool with Valuable Financial Education **Rating:** 5.0/5.0 stars **Reviewed by:** Kelly M. | owner and HR, Small-Business (50 or fewer emp.) **Reviewed Date:** February 20, 2026 **What do you like best about SmartDollar?** The budgeting tool and the financial education for our team members. **What do you dislike about SmartDollar?** Having to create the budget every month at the beginning of each month. **What problems is SmartDollar solving and how is that benefiting you?** we have a couple team members using this to be a help to them and have done taxes or sought a session with a counselor. ### 38. Great Budgeting Tools and Engaging Lessons **Rating:** 5.0/5.0 stars **Reviewed by:** SAMANTHA M. | Administrative assistant, Small-Business (50 or fewer emp.) **Reviewed Date:** February 17, 2026 **What do you like best about SmartDollar?** The budgeting portion as well as the different lessons offered. **What do you dislike about SmartDollar?** There has been time I was on a multi-day streak and when no daily lesson popped up, I lost my streak. **What problems is SmartDollar solving and how is that benefiting you?** A constant reminder on how to knock out debt quicker than I thought. ### 39. Group Coaching I Love with EveryDollar Budget **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Insurance | Mid-Market (51-1000 emp.) **Reviewed Date:** February 19, 2026 **What do you like best about SmartDollar?** Group coaching is what I like best. And there are a lot of resources available. **What do you dislike about SmartDollar?** I struggle with utilizing the EveryDollar Budget. **What problems is SmartDollar solving and how is that benefiting you?** SmartDollar is providing insights into better ways to handle my finances. ### 40. Great learning resources and budgeting, but could use more in-app rewards **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Government Administration | Mid-Market (51-1000 emp.) **Reviewed Date:** February 17, 2026 **What do you like best about SmartDollar?** I like the amount of learning resources available as well as the budgeting app **What do you dislike about SmartDollar?** I wish that there were ways to offer rewards within SmartDollar like a digital badge or something that would get people excited about using it **What problems is SmartDollar solving and how is that benefiting you?** People can feel like they are able to budget their money better with the budgeting app since we are not the highest paying entity. ### 41. Great Budgeting Content at a Great Budget **Rating:** 4.5/5.0 stars **Reviewed by:** John S. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** February 16, 2026 **What do you like best about SmartDollar?** I like all the content it offers for employees, as well as the budget. **What do you dislike about SmartDollar?** I would like it to be a little less expensive. **What problems is SmartDollar solving and how is that benefiting you?** It hasn't solved any problems yet ### 42. Informative Saving Tips, But Not Very User-Friendly for Non-Tech-Savvy Users **Rating:** 2.5/5.0 stars **Reviewed by:** Verified User in Construction | Small-Business (50 or fewer emp.) **Reviewed Date:** February 16, 2026 **What do you like best about SmartDollar?** I like how informative it is, showing easy everyday ways on how to save. **What do you dislike about SmartDollar?** I feel like it isnt too user friendly, especially if you're not tech savvy. **What problems is SmartDollar solving and how is that benefiting you?** It is solving my financial problems little by little. It is helping me not live pay check to pay check, hopefully I will be able to do more in the future by learning through smart dollar. ### 43. Great Financial Education and Flexible Access to a Financial Counselor **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Construction | Small-Business (50 or fewer emp.) **Reviewed Date:** February 26, 2026 **What do you like best about SmartDollar?** The education you can learn about finances with the material provided and being able to meet with a financial counselor as many times as you need. **What do you dislike about SmartDollar?** Nothing really. I find the program to be self explanatory. **What problems is SmartDollar solving and how is that benefiting you?** It is solving the debt issue and being able to slowly see the progress happen when you start paying things off. ### 44. SmartDollar: A Powerful Path to Financial Freedom! **Rating:** 5.0/5.0 stars **Reviewed by:** Sandra R. | Benefits Administrator, Mid-Market (51-1000 emp.) **Reviewed Date:** March 21, 2025 **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! **What do you dislike about SmartDollar?** I don't have anything to share here. Everything has been positive! **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. ### 45. AMG Review **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Real Estate | Mid-Market (51-1000 emp.) **Reviewed Date:** February 16, 2026 **What do you like best about SmartDollar?** It's ease of use and the multiple resources to help with financial planning **What do you dislike about SmartDollar?** Nothing has come up as of yet. All features have been beneficial for our team **What problems is SmartDollar solving and how is that benefiting you?** Our team has provided feedback that it's keeping them more on track with their spending and giving them better resources to pay off debt and plan for retirement and future large expenese ### 46. SmartDollar is a fantastic personal financial tool that is comprehensive yet easy to use! **Rating:** 5.0/5.0 stars **Reviewed by:** Valorie W. | Partner, Small-Business (50 or fewer emp.) **Reviewed Date:** February 14, 2025 **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! **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. **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. ### 47. SmartDollar tools have really been a gamechanger to my co-workers and I. **Rating:** 5.0/5.0 stars **Reviewed by:** Jessica C. | E4 Champion, Mid-Market (51-1000 emp.) **Reviewed Date:** February 14, 2025 **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. **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. **What problems is SmartDollar solving and how is that benefiting you?** It is helping us save money, learn about money and most importantly, SmartDollar has normalized talking about money or being on a budget. ### 48. Life Changing If You Are Self-Motivated **Rating:** 5.0/5.0 stars **Reviewed by:** Darla G. | Director, Employee Benefits, Mid-Market (51-1000 emp.) **Reviewed Date:** February 07, 2025 **What do you like best about SmartDollar?** Of all the benefits that we offer to our employees, SmartDollar is the only one that can truly change a person's life! SmartDollar provides all of the tools a person needs to learn how to take control of their personal finances, in a fun and easy-to-understand program. Implementing this program was simple and they provide ongoing support in the form of communication tools and quarterly outreach to make sure everything is running smoothly. **What do you dislike about SmartDollar?** There is no accountability in a self-paced program like this. So it's easy to let life get in the way if you aren't naturally self-motivated to complete the program. Having regular meetings with other individuals going through the program, like they do in Financial Peace University, could go a long way in providing moral support and encourgement to employees trying to implement the Baby Steps. **What problems is SmartDollar solving and how is that benefiting you?** Offering SmartDollar shows our employees that we care about them as individuals, not just as workers. And if we can relieve some of their financial stress by, they become happier employees which increases their job satisfaction and work performance. It's a win-win situation. ### 49. SmartDollar is a game changer. **Rating:** 5.0/5.0 stars **Reviewed by:** Heidi R. | Executive Assistant, Mid-Market (51-1000 emp.) **Reviewed Date:** January 30, 2025 **What do you like best about SmartDollar?** Everything in one location. Easy to navigate. The EveryDollar budgeting app is a must! It's easy to get team members signed up for the program. Appreciate how quickly the SmartDolar team responds to any issues within the program or app. The program has so many resources regarding all types of financial related questions and the 7 Baby Steps. Our team also loves the new added feautures including creating a will, connecting with a Ramsey financial coach, the taxes, etc. Our team also loves the accountability and eays to follow steps. So many of our team members have started their budget for the first time, managed to pay off debt, save up for big purchases and start saving for the future. We highly recommend this program! **What do you dislike about SmartDollar?** There's not really anything I dislike. I do think there are some things that could be added to the program to further push the importance of budgeting - for example, it would be good to be able to track who is actually taking advantage of the EveryDollar budgeting app and what exactly each team member is earning SmartDollar points for. Right now, it just shows SmartDollar points as a total. So, I am unsure where those points are coming from. As the administrator, I would love to know who is using the budgeting app and a breakdown of points used (per category - budgeting, articles, videos, etc). Our team would like to be able to see their points per month (not just the running total for the year). **What problems is SmartDollar solving and how is that benefiting you?** Our team is more confident about their finances and are excited about having a plan. Our SmartDollar group is full of like-minded people. We support each other, encourage one another, and hold each other accountable. ### 50. Great Benefit to Employees **Rating:** 5.0/5.0 stars **Reviewed by:** Sloane B. | Talent & Culture Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** January 22, 2025 **What do you like best about SmartDollar?** The best part about SmartDollar is the benefits and peace of mind it provides to our employees. Since we started using it, I've had several employees come up to me and thank me for offering this service. It provides great education and financial planning tools for our employees that positively impact their lives. I also would like to recognize the fantastic service we recieve from our account rep, Caleb Adams. He has supported us throughout the entire setup, enrollment, and execution processes. He's answered every question promptly and has always been willing to hop on a call if needed. On top of that, he's delightful and fun to work with. **What do you dislike about SmartDollar?** I wish there was a way for the financial progress metrics to be automatically calculated. We enjoy looking at the financial progress our company is made, but we are relying on our employees to manually log how much they have saved and how much debt they have paid off since signing up for SmartDollar. In order for our financial progress to be correct, employees must submit the information and submit accurate information. I worry that doesn't always happen, so we are likely missing the full picture of financial progress. **What problems is SmartDollar solving and how is that benefiting you?** Many of our employees live paycheck to paycheck and could benefit from financial education and planning. SmartDollar provides a one-stop-shop resource for our employees and allows us to offer help to all 120 employees improve their financial wellness. - [View SmartDollar pricing details and edition comparison](https://www.g2.com/products/smartdollar/reviews?filters%5Bsentiment_snippet%5D=1999992&qs=pros-and-cons§ion=pricing&secure%5Bexpires_at%5D=2026-08-14+18%3A12%3A11+-0500&secure%5Bsession_id%5D=a5887da2-7de7-4fe0-8c78-3d3375f674ca&secure%5Btoken%5D=cd2de1341949d91b7f96c5001e7c519bcf5c4a7a447da1357d93c05e018028e7&format=llm_user) ## SmartDollar Integrations - [BambooHR](https://www.g2.com/products/bamboohr/reviews) - [Personify Health](https://www.g2.com/products/personify-health/reviews) ## SmartDollar Features **Platform Content** - Education Tools - Mobile Tools - Content Library **Platform Basics** - Program Management - Secure - Interoperability - Performance **Platform Additional Functionality** - Services - Employee Portal - Gamification - Education **Platform Data** - Dashboard & Reporting - Visualization - Platform Search - Alerts and Notifications ## Top SmartDollar Alternatives - [Betterment at Work](https://www.g2.com/products/betterment-at-work/reviews) - 4.3/5.0 (703 reviews) - [ZayZoon](https://www.g2.com/products/zayzoon/reviews) - 4.6/5.0 (217 reviews) - [Peanut Butter](https://www.g2.com/products/peanut-butter/reviews) - 4.9/5.0 (132 reviews)