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SmartDollar

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What SmartDollar is

SmartDollar is an employer-sponsored financial wellness benefit for organizations of all sizes. It gives employees a step-by-step money plan based on Dave Ramsey’s 7 Baby Steps, covering budgeting, emergency savings, debt payoff, insurance, real estate, investing, retirement, and wealth building. Employees receive premium EveryDollar budgeting, tax filing software, an online will-maker, financial education, personalized action plans, and unlimited one-on-one coaching in English or Spanish, plus group coaching. Ask SmartDollar AI answers money questions from Ramsey financial experts. Employers use SmartCenter for participation and engagement reporting, financial progress metrics, and launch materials. HRIS connections use encrypted file transfers to maintain eligibility lists. Employers see engagement data, while employee financial information remains private from them. SmartDollar states SOC 2 Type 2 compliance, encryption in transit and at rest, multi-factor authentication, and least-privilege access. Access is through web, Android, and iOS devices.

Who it suits

It suits employers seeking a financial wellness benefit for full-time, part-time, remote, hourly, or salaried employees. Employees must remain actively employed to retain access.

What it does well

Seven-step plan covers budgeting, debt, savings, and wealth
Unlimited individual coaching in English or Spanish
Includes EveryDollar, tax software, and will-maker
Employer dashboard reports participation and financial progress
Web, Android, and iOS access

What to know first

No free plan; pricing is available on request
Employee access ends when employment ends
No credit monitoring or earned wage access

Limits

Employee access is tied to active employment and ends when an employee leaves the company. SmartDollar does not provide credit monitoring or earned wage access.

Plans

Plan	Billed and limits	Price
Custom employer plan	Custom quote; pricing may be structured as an annual all-access fee, utilization-based pricing, or a pilot program. · Employer-sponsored · Employee access included at no charge · Annual or multi-year contracts	On request

As ramseysolutions.com lists them, read 5 Oct 2026. The maker's own page has the final word.

Getting started

Open the SmartDollar website
Request a custom employer plan quote
Choose annual, multi-year, utilization-based, or pilot pricing structure
Connect the employer HRIS through secure encrypted file transfers
Launch the benefit with support from the relationship manager and dedicated team
Employees access the web application on desktop or mobile browsers

Verdict

SmartDollar combines structured financial education, software, coaching, and employer reporting in one benefit. It fits organizations wanting guided money support, but buyers should account for employment-linked access and custom pricing.

Questions

Is SmartDollar free for employees?

The service is an employer-sponsored benefit with employee access included at no charge under the custom employer plan.

How is SmartDollar priced?

Pricing is provided by custom quote and may use an annual all-access fee, utilization-based pricing, or a pilot program.

Which devices can access SmartDollar?

It is a web application for desktop and mobile devices, with current Edge, Firefox, Chrome, and Safari plus Android and iOS mobile browsers.

What coaching is included?

Employees receive unlimited one-on-one coaching in English or Spanish, group coaching, and Ask SmartDollar AI answers from Ramsey financial experts.

Can employers see employees’ financial details?

Employers can see participation and engagement data, while employees’ financial information stays private from their employer.

Does SmartDollar monitor credit or provide earned wage access?

No. SmartDollar says it does not offer credit monitoring or earned wage access.

Facts from SmartDollar's own pages

Access: SmartDollar is a web application accessible on desktop and mobile devices; its technical requirements list current versions of Edge, Firefox, Chrome, and Safari, plus Android and iOS mobile browsers. · ramseysolutions.com, 5 Oct 2026
Ask SmartDollar AI: Ask SmartDollar AI provides answers to employees’ money questions from Ramsey financial experts. · ramseysolutions.com, 5 Oct 2026
Coaching: Employees receive unlimited one-on-one financial coaching in English or Spanish, as well as group coaching. · ramseysolutions.com, 5 Oct 2026
Eligibility and limits: Employee access is tied to active employment and ends when an employee leaves the company; SmartDollar says it does not offer credit monitoring or earned wage access. · ramseysolutions.com, 5 Oct 2026
Employer portal: SmartCenter gives employers participation and engagement reporting, financial progress metrics, and launch and promotional materials. · ramseysolutions.com, 5 Oct 2026
Financial plan: The program follows Dave Ramsey’s 7 Baby Steps, guiding employees through budgeting, emergency savings, debt payoff, and building wealth. · ramseysolutions.com, 5 Oct 2026
Headquarters: Franklin, Tennessee, United States · ramseysolutions.com, 28 Sept 2026
HRIS integration: SmartDollar integrates with employers’ HRIS through secure, encrypted file transfers that automatically keep employee eligibility lists current. · ramseysolutions.com, 5 Oct 2026
Included tools: The benefit includes premium EveryDollar budgeting, tax filing software, an online will-maker, and financial education. · ramseysolutions.com, 5 Oct 2026
Privacy: Employers can see engagement and participation data, while the product page says employees’ financial information stays private from their employer. · ramseysolutions.com, 5 Oct 2026
Purpose: SmartDollar is an employer-sponsored financial wellness benefit that gives employees a step-by-step money plan and aims to improve productivity, retention, and 401(k) engagement. · ramseysolutions.com, 5 Oct 2026
Regulated data: SmartDollar says users are not required to submit sensitive or regulated data such as PCI/DSS or HIPAA data to use the service. · ramseysolutions.com, 5 Oct 2026
Security: SmartDollar states that it is SOC 2 Type 2 compliant, encrypts data in transit and at rest, requires multi-factor authentication, and uses least-privilege access. · ramseysolutions.com, 5 Oct 2026
Support: Each client is paired with a relationship manager and a dedicated team that supports launch and ongoing employee communications. · ramseysolutions.com, 5 Oct 2026
Who it serves: SmartDollar says it serves organizations of all sizes and supports full-time, part-time, remote, hourly, and salaried employees. · ramseysolutions.com, 5 Oct 2026

Where SmartDollar stands on Freedom251

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