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

(2)

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.

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Joseph C.

Early Career Specialist

Small-Business (50 or fewer emp.)

2/16/2026

"All-in-One Budget Tracking and Goal Setting with SmartDollar"

5/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Alli L.

Office Coordinator

Mid-Market (51-1000 emp.)

2/18/2026

"Smart Money Tools and Helpful Giveaways"

4/5

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 Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Shea B.

CFO

Mid-Market (51-1000 emp.)

2/19/2026

"Amazing Setup Support and Free Tax Filing Feature"

5/5

What do you like best about SmartDollar?

Gus was an amazing contact for us and helped us tremendously in set up. It is a great employee benefit and the free tax filing is a great feature Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

We have enjoyed our experience with smart dollar and have not received any negative feedback from our employees. Review collected by and hosted on G2.com.

Verified User in Higher Education

Enterprise (> 1000 emp.)

2/20/2025

"SmartDollar Employer Review"

5/5

What do you like best about SmartDollar?

Things I like about SmartDollar include being able to check our numbers at any time, the platform’s ease of use, the coaching sessions, and the help desk support. I also appreciate the monthly topics (communication calendar), and that it’s an easy sell to our employees and students. Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

There's not much that I dislike - some of the features don't work for our specific organization, but I see that they are beneficial to others. Review collected by and hosted on G2.com.

Verified User in Government Administration

Small-Business (50 or fewer emp.)

2/19/2026

"The benefits of SmartDollar for our office"

5/5

What do you like best about SmartDollar?

It provides a ton of value for an employee. Ways to get out of debt, save, invest, and has other great tools available. Very motivational, great interface, and helpful content. Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

From the backend SmartCenter management side, maybe would be nice to have a better way to push out customized announcements or product highlights directly from the interface, rather than having to download materials and send separately. Review collected by and hosted on G2.com.

John B.

Manager

Small-Business (50 or fewer emp.)

2/17/2026

"Easy Setup with Helpful Guidance for Novices"

5/5

What do you like best about SmartDollar?

Easy to use and set up. Lots of helpful content especially for novices. Asks good questions. Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

Not much content for users who are Baby steps 7 or beyond. The software does not respond well if you have a higher net worth. Review collected by and hosted on G2.com.

Verified User in Manufacturing

Enterprise (> 1000 emp.)

3/13/2026

"Great for Self-starter/tech-friendly learners!"

4/5

What do you like best about SmartDollar?

Eye-catching branding, a budgeting app, free tax filing, and will creation. SmartDollar reps have also always been courteous and personable. Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

There isn’t an all-inclusive mobile app—only EveryDollar for budgeting. It’s also difficult to keep unmotivated employees engaged, especially since there’s no in-person or traditional classroom learning option. Review collected by and hosted on G2.com.

Verified User in Food & Beverages

Mid-Market (51-1000 emp.)

2/17/2026

"Great motivator, needs improved user-friendly features"

5/5

What do you like best about SmartDollar?

The daily videos and tips are genuinely helpful, and they do a great job of keeping me engaged with the program. Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

Overall, the program is great, but I do wish the EveryDollar app were easier to navigate and keep up with. I like being able to track my spending against my budget; it just doesn’t feel very user-friendly, and that has discouraged me from using it as much. Review collected by and hosted on G2.com.

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

Previously, my family was so underwater with debt, and no matter what we did, we could never gain any progress. With SmartDollar, we’ve been able to effectively snowball our debt, and we now have a clear plan in place to keep that progress going. At the same time, we’re applying the techniques we’ve learned to help us work toward buying our first home debt-free. Review collected by and hosted on G2.com.

William J.

CEO

Small-Business (50 or fewer emp.)

2/17/2026

"Smart Dollar Helped Our Team Pay Off Debt and Become Better Financial Stewards"

5/5

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. Review collected by and hosted on G2.com.

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. Review collected by and hosted on G2.com.

Tina A.

CAO

Mid-Market (51-1000 emp.)

2/25/2026

"Easy, User-Friendly Tool That Clearly Shows Where Your Money Goes"

5/5

What do you like best about SmartDollar?

It is easy and user friendly. When used it truly does show you where your money is going and how to control this. Review collected by and hosted on G2.com.

What do you dislike about SmartDollar?

Sometimes I wish I could give access to all my friends not just my employees. Review collected by and hosted on G2.com.