SmartDollar
SmartDollar is an employer-sponsored financial wellness benefit for organizations of all sizes.
What SmartDollar is
SmartDollar is an employer-sponsored financial wellness benefit for organizations of all sizes. It gives employees a guided money plan based on Dave Ramsey’s 7 Baby Steps, covering budgeting, emergency savings, debt payoff, insurance, real estate, investing, retirement, and building wealth. The benefit includes 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. Group coaching and Ask SmartDollar AI provide additional support from Ramsey financial experts. Employers use SmartCenter for participation and engagement reporting, financial progress metrics, and launch materials. HRIS connections use secure, encrypted file transfers to keep eligibility lists current. SmartDollar states that employee financial information stays private from employers, while engagement data is visible. Security claims include SOC 2 Type 2 compliance, encryption, multi-factor authentication, and least-privilege access. Access is available through web, Android, and iOS devices.
Good
- Step-by-step plan based on seven Baby Steps
- Unlimited individual coaching in English or Spanish
- Includes budgeting, tax, will-making, and education tools
- Employer dashboard reports participation and financial progress
- Available on web, Android, and iOS
Watch out
- Paid service with pricing available on request
- Employee access ends when employment ends
- No credit monitoring or earned wage access
- Employers can view engagement and participation data
Who it suits
It suits employers seeking a financial wellness benefit for full-time, part-time, remote, hourly, or salaried employees. Employees who want coaching, budgeting, and structured money guidance may also benefit.
Verdict
SmartDollar combines structured financial education, coaching, and employee benefit administration. It is designed for employer-sponsored programs rather than individual subscriptions.
Plans and prices
From SmartDollar's own pricing page, checked 5 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Custom employer plan | Priced on request | Employer-sponsored · Employee access included at no charge · Annual or multi-year contracts · Custom quote; pricing may be structured as an annual all-access fee, utilization-based pricing, or a pilot program. |
The facts
Each one read from SmartDollar's own pages, with the date it was checked.
What it does
- 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.checked 5 Oct 2026
- Ask SmartDollar AI
- Ask SmartDollar AI provides answers to employees’ money questions from Ramsey financial experts.checked 5 Oct 2026
- Coaching
- Employees receive unlimited one-on-one financial coaching in English or Spanish, as well as group coaching.checked 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.checked 5 Oct 2026
- Employer portal
- SmartCenter gives employers participation and engagement reporting, financial progress metrics, and launch and promotional materials.checked 5 Oct 2026
- HRIS integration
- SmartDollar integrates with employers’ HRIS through secure, encrypted file transfers that automatically keep employee eligibility lists current.checked 5 Oct 2026
- Included tools
- The benefit includes premium EveryDollar budgeting, tax filing software, an online will-maker, and financial education.checked 5 Oct 2026
- Privacy
- Employers can see engagement and participation data, while the product page says employees’ financial information stays private from their employer.checked 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.checked 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.checked 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.checked 5 Oct 2026
- Support
- Each client is paired with a relationship manager and a dedicated team that supports launch and ongoing employee communications.checked 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.checked 5 Oct 2026
Money
- Financial plan
- The program follows Dave Ramsey’s 7 Baby Steps, guiding employees through budgeting, emergency savings, debt payoff, and building wealth.checked 5 Oct 2026
The company
- Headquarters
- Franklin, Tennessee, United Stateschecked 28 Sep 2026
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