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SmartDollar Reviews & Product Details

SmartDollar Overview

What is 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 Details
Product Website
Languages Supported
English, Spanish
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Product Description

A financial wellness benefit for employees that (actually) works.


Seller Details
Company Website
Year Founded
1991
HQ Location
Franklin, TN
Twitter
@DaveRamsey
997,171 Twitter followers
LinkedIn® Page
www.linkedin.com
1,323 employees on LinkedIn®
Description

Ramsey Solutions is a financial education and personal finance company founded by Dave Ramsey. The organization offers a range of resources, including books, courses, and financial coaching, aimed at helping individuals and families achieve financial stability and independence. With a focus on budgeting, debt elimination, and wealth building, Ramsey Solutions provides tools and guidance for people seeking to improve their financial literacy and manage money effectively. Their website features various resources, including articles, podcasts, and tools for financial planning.


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Recent SmartDollar Reviews

LM
Livia M.Enterprise (> 1000 emp.)
5.0 out of 5
"SmartDollar is great for our employees!"
Flexibility to start where the employees need it most. Love the website, so easy to use.
CS
Cam S.Small-Business (50 or fewer emp.)
5.0 out of 5
"Help your team help themselves!"
The platform itself is easy to roll out to your team and they can learn to use it on their own.
Verified User
A
Verified UserEnterprise (> 1000 emp.)
5.0 out of 5
"We have had an excellent experience with Smart Dollar."
Our employees like the budgeting app, the private coaching, and the ease of starting the Baby Steps.
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SmartDollar Media

SmartDollar Demo - Eliminate Debt
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.
SmartDollar Demo - A Proven Plan
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.
SmartDollar Demo - Behavior Change
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.
SmartDollar Demo - Effective Tools
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.
SmartDollar Demo - Real Human Support
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.
SmartDollar Demo - Measurable Impact
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.
Play SmartDollar Video
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.
Play SmartDollar Video
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.
Play SmartDollar Video
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.
Play SmartDollar Video
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.
Play SmartDollar Video
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.
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420 SmartDollar Reviews

4.8 out of 5
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420 SmartDollar Reviews
4.8 out of 5
420 SmartDollar Reviews
4.8 out of 5

SmartDollar Pros and Cons

How are these determined?Information
Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
Pros
Cons

Overall Review Sentiment for SmartDollarQuestion

Time to Implement
<1 day
>12 months
Return on Investment
<6 months
48+ months
Ease of Setup
0 (Difficult)
10 (Easy)
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G2 reviews are authentic and verified.
Valorie W.
VW
Partner
Small-Business(50 or fewer emp.)
Validated Reviewer
Verified Current User
Review source: Organic
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.

SH
Development Coordinator
Mid-Market(51-1000 emp.)
Validated Reviewer
Verified Current User
Review source: Organic
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.
JC
E4 Champion
Mid-Market(51-1000 emp.)
Validated Reviewer
Verified Current User
Review source: Organic
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.

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. Review collected by and hosted on G2.com.

LL
Director of Finance
Enterprise(> 1000 emp.)
Validated Reviewer
Verified Current User
Review source: Organic
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.
AC
Director of Follow-Up
Mid-Market(51-1000 emp.)
Validated Reviewer
Verified Current User
Review source: Organic
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.

KN
Chief of Staff
Small-Business(50 or fewer emp.)
Validated Reviewer
Verified Current User
Review source: Organic
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.

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

It is a wonderful resource to help those that like to see the whole picture. This allows our team members to make their finacial wellness a priority and that is exactly why we decided to go with Smart Dollar. Review collected by and hosted on G2.com.

SF
Receptionist / Admin Assistant
Small-Business(50 or fewer emp.)
Validated Reviewer
Verified Current User
Review source: Organic
What do you like best about SmartDollar?

Smart Dollar has been incredibly helpful to me! The videos are super helpful, and I love going back to rewatch them to stay motivated with my savings. The debt snowball tool has been a game changer — I really enjoy checking in on my progress and seeing how far I’ve come. The website and app are very easy to use and I have implemented using these tools Smart Dollar offers weekly. I like to update my progress and check in on my budget weekly and have integrated the budget feature as a monthly "project" I do to stay on track financially.

The customer support has been amazing, too. Caleb Adams is always just an email away and has been so helpful whenever our team has reached out and even checks in to see if there is anything he can assist with. He is very responsive and is always very helpful. 10 out 10 highly recommend Smart Dollar!! Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

So far I haven't found anything that I dislike about SmartDollar. Review collected by and hosted on G2.com.

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

SmartDollar is helping me pay off debt and budget for the month and the months ahead. It’s been really helpful in making me feel more financially secure. Review collected by and hosted on G2.com.

DF
President
Mid-Market(51-1000 emp.)
Validated Reviewer
Verified Current User
Review source: Organic
What do you like best about SmartDollar?

The software is simple to use. Full of valuable features. I've found my CSR Blake Ball to be incredibly passionate, professional and supportive. It's always a pleasure working with him. Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

The biggest challenge is the feeling of leading a horse to water and being unable to make them drink. SmartDollar is so powerful.

I operate in the blue collar industry. I've found that getting people to create accounts with their email address is always a challenge. If the program offered a cell phone OTP login process there is a chance they would be less barrier to login and use. Review collected by and hosted on G2.com.

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

I use SmartDollar to support my team of bluecollar industry landscapers. They have never been taught financial education or wellness. By offering a resource, whether they use it, has increased culture and morale. I run meetings with the team. SmartDollar is not an 'overnight' value and its usefulness can never be judged by daily active use of a companies' users. It is more of a value of accessbility IF and WHEN a user needs it. Review collected by and hosted on G2.com.

RC
Director
Small-Business(50 or fewer emp.)
Validated Reviewer
Verified Current User
Review source: Organic
What do you like best about SmartDollar?

SmartDollar is incredibly user-friendly. The platform is designed with a step-by-step approach that makes it easy for users to navigate and understand how to use the tools.

SmartDollar offers a comprehensive range of features that cover so many areas of financial wellness.

I have had such a positive experience with the support team, Caleb has been responsive and helpful. The availability of one-on-one coaching adds an extra layer of support, ensuring that users receive the assistance they need to succeed.

Overall, SmartDollar is a robust financial wellness program that combines ease of use, a wide range of features, and excellent customer support to help users take control of their finances and achieve lasting financial success. Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

I haven't found a downside. Everything works great. Review collected by and hosted on G2.com.

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

We offer it to our employees as a benefit. It helps them solve their financial issues so they are better able to show up to work ready to work! Review collected by and hosted on G2.com.

AS
Vice President
Small-Business(50 or fewer emp.)
Validated Reviewer
Verified Current User
Review source: Organic
What do you like best about SmartDollar?

SmartDollar is very easy to use and to deploy to my team. I like that they have monhly content to send out to my team as a reminder of this great benefit that our company is proud to offer them. Being able to give the tools to my team to take control of their finances and on their way to financial freedom is something I am very happy to do. SmartDollar's customer support has also been very helpful and kind anytime I have had a question. Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

I do wish their was a way to automate monthly emails to my team and that the email could be have rich context (graphics, link, etc) so they are more engaging. Review collected by and hosted on G2.com.

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

I beleive SmartDollar has all the tools needed to help my team acheive finanical freedom in their personal lives. We want our team members to be successful in all areas of their life (not just their job) and a big part of that is having control of your personal finances. Review collected by and hosted on G2.com.