SmartDollar
SmartDollar is an employer-sponsored financial wellness benefit that delivers the Ramsey 7 Baby Steps curriculum, EveryDollar budgeting app, and unlimited human financial coaching to employees at client companies across healthcare, education, public sector, and industrial verticals, sold via annual B2B subscriptions to HR and benefits leaders.
- Company typePrivate
- Founded1992
- HeadquartersFranklin, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What SmartDollar does
SmartDollar is an employer-sponsored corporate financial wellness benefit operated as a product line under Ramsey Solutions (legal entity Lampo Licensing, LLC), headquartered in Hendersonville, Tennessee. The platform delivers a structured personal-finance curriculum built around the proprietary 7 Baby Steps methodology, bundling on-demand video content, the EveryDollar premium budgeting app, Ramsey SmartTax, will and estate planning tools, and unlimited one-on-one human financial coaching (including Spanish-speaking coaches). Customers are HR leaders, benefits managers, and business executives across eight named verticals — healthcare, education, municipalities, first responders, construction, manufacturing, financial services, and hospitality — who purchase the platform to reduce employee turnover and improve workforce financial health.
Revenue is generated through B2B subscription contracts priced custom per organization based on team size, billed annually, with employees accessing the benefit at no cost. The go-to-market is enterprise field sales with dedicated relationship managers per account, supported by a multi-channel demand engine spanning industry-specific landing pages, comparison marketing against five named competitors, on-demand webinars, and an actively managed G2 profile (4.8/5, 11 Top Rated badges). The technology stack is a cloud-based, SOC 2 Type II compliant web and mobile platform; no public API or AI/ML capabilities are disclosed, and the company's product differentiation rests primarily on the Ramsey brand, the 7 Baby Steps content IP, and human coaching intensity rather than proprietary software.
SmartDollar firmographics
Firmographics- Name
- SmartDollar
- Legal name
- Lampo Licensing, LLC
- Website
- https://smartdollar.com
- Company type
- Private
- Founded year
- 1992
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- SmartDollar is an employer-sponsored financial wellness benefit that delivers the Ramsey 7 Baby Steps curriculum, EveryDollar budgeting app, and unlimited human financial coaching to employees at client companies across healthcare, education, public sector, and industrial verticals, sold via annual B2B subscriptions to HR and benefits leaders.
- Ownership category
- akta.pro rank
SmartDollar industry classification
Industry- Product category
- Employee Financial Wellness Benefits
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Debt Management & Paydown (Student Loans, Credit Cards) (FSAGADAD)
- akta.pro secondary industries
- Savings Automation & Goal-Based Savings (FSAGADAC), Tax Planning & Personal Tax Optimization Tools (FSAGADAJ)
Keywords
Where SmartDollar is headquartered
LocationHeadquarters
- HQ city
- Franklin
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
SmartDollar business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Employer-Sponsored Subscription: SmartDollar operates as an employer-sponsored benefit where companies pay for access to the financial wellness platform. Pricing is customized based on team size and organizational needs. Employees access the benefit for free, completely funded by their employer.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Custom pricing per organization based on team size and needs |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
SmartDollar product offering
Product offeringCore offering
SmartDollar is an employer-sponsored corporate financial wellness platform built around the 7 Baby Steps methodology. The platform delivers budgeting tools (EveryDollar app), financial education content, unlimited one-on-one coaching, tax preparation (Ramsey SmartTax), and an admin reporting dashboard (SmartCenter Impact Report). It is sold to employers who fund employee access as a workplace benefit.
Product overview
SmartDollar is a comprehensive, employer-sponsored financial wellness platform built around the 7 Baby Steps methodology. The core offering includes the SmartDollar program itself, paired with the EveryDollar budgeting app, Ramsey SmartTax for tax preparation, and access to unlimited one-on-one human coaching sessions. SmartDollar also provides employers with a SmartCenter Impact Report dashboard for tracking employee participation and business outcomes. The platform serves a wide range of industries including healthcare, education, municipalities, first responders, construction, manufacturing, financial services, and hospitality.
Differentiator
Problem solved
Functional benefit
Brands
- EveryDollar: Premium budgeting app offered as part of SmartDollar's financial wellness platform, allowing users to track their money and manage expenses.
Products and services
- SmartDollar Employer-sponsored corporate financial wellness benefit that provides employees with a proven plan for managing money, including access to budgeting tools, educational content, and one-on-one coaching. Sold to employers and funded by them as a workplace benefit.
- EveryDollar
Quantifiable outcome
- 27% decrease in employee turnover compared to non-users
- +3 more outcomes
Companies that use SmartDollar
Customer profileNamed customers4 records
Segments10 records
Ideal customer profiles1 record
SmartDollar technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
SmartDollar partnerships and signals
Strategic signalScale indicators5 records
Recent moves5 records
Expansion highlights4 records
SmartDollar competitors and assessment
Company assessmentDirect peers
- Payactiv: Payactiv is an earned-wage access and financial wellness platform sold to employers. SmartDollar includes Payactiv in its competitive comparison set, indicating overlap in the employer-paid financial wellness category.
- LearnLux: LearnLux provides personalized financial planning and education as an employee benefit, focused on workplace financial wellness. It targets the same HR buyer as SmartDollar with overlapping budgeting and coaching capabilities.
- Financial Fitness Group: Financial Fitness Group provides workplace financial wellness education, coaching, and planning tools sold to employers. It is comparable to SmartDollar's employer-benefits PFM focus and educational content model.
- Your Money Line: Your Money Line delivers employer-paid financial wellness programs with coaching and education. SmartDollar explicitly lists it as a comparison competitor, indicating direct overlap in PFM benefit delivery to employees.
- BrightPlan: BrightPlan is a B2B financial wellness platform sold to employers as a benefit, directly overlapping SmartDollar's core offering. SmartDollar actively benchmarks against BrightPlan in its comparison marketing, underscoring head-to-head competition for employer wellness budgets.
- FinFit: FinFit provides employer-sponsored financial wellness tools including earned wage access, budgeting, and coaching. It is cited by SmartDollar as a direct competitor in its comparison pages and serves the same HR decision-maker buyer.
- Brightside: Brightside offers a financial benefit for employees combining financial coaching, planning, and savings tools. It is named by SmartDollar as a comparable in its competitive comparisons and targets the same employer-sponsored PFM category.
Emerging players
- Origin (financial wellness): Origin is an emerging financial wellness platform offering employer-sponsored planning and savings tools. It overlaps with SmartDollar's PFM focus on a more automated/savings-led angle, competing for net-new employer accounts.
Broad incumbents
- Merrill Lynch Guided Solutions: Merrill offers employer- and individual-focused financial wellness and guidance tools through a wealth-management platform. It competes for the same employer benefits wallet but as part of a much broader financial services incumbent portfolio.
Others
- Ramsey Solutions: Ramsey Solutions (Lampo Licensing, LLC) is the parent operating company of SmartDollar, providing the content, brand, and methodology. As the strategic parent, it shapes SmartDollar's product roadmap, GTM, and enterprise positioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
SmartDollar social profiles
Digital presenceSmartDollar compliance and trust
Trust signalCompliance1 record
SmartDollar financial estimates
Financial estimateRevenue estimate
Valuation estimate
SmartDollar leadership team
Management profileNumber of profiles
SmartDollar funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SmartDollar M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about SmartDollar
What does SmartDollar do?
SmartDollar is an employer-sponsored corporate financial wellness platform built around the 7 Baby Steps methodology. The platform delivers budgeting tools (EveryDollar app), financial education content, unlimited one-on-one coaching, tax preparation (Ramsey SmartTax), and an admin reporting dashboard (SmartCenter Impact Report). It is sold to employers who fund employee access as a workplace benefit.
Is SmartDollar a public or private company?
SmartDollar is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was SmartDollar founded?
SmartDollar was founded in 1992. It employs 11 to 50 people.
Where is SmartDollar based?
SmartDollar is headquartered in Franklin, United States, in the North America region.
How does SmartDollar make money?
One revenue line is on record: employer-Sponsored Subscription.
Who are SmartDollar's main competitors?
Direct peers on record are Payactiv, LearnLux, Financial Fitness Group, Your Money Line, BrightPlan, FinFit and Brightside. Origin (financial wellness) is listed as an emerging player. Merrill Lynch Guided Solutions is listed as a broad incumbent. Ramsey Solutions is listed as an others.
Does SmartDollar have an API?
No public API is recorded for SmartDollar.
What industry is SmartDollar in?
SmartDollar's product category is Employee Financial Wellness Benefits. Its primary akta.pro industry code is FSAGADAD, Debt Management & Paydown (Student Loans, Credit Cards), with a secondary code of FSAGADAC, Savings Automation & Goal-Based Savings. Its SIC code is 7372.