SmartDollar

Spec sheet

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.Read 5 Oct 2026 · ramseysolutions.com

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.Read 5 Oct 2026 · ramseysolutions.com

Privacy

Employers can see engagement and participation data, while the product page says employees’ financial information stays private from their employer.Read 5 Oct 2026 · ramseysolutions.com

Support

Each client is paired with a relationship manager and a dedicated team that supports launch and ongoing employee communications.Read 5 Oct 2026 · ramseysolutions.com

Headquarters

Franklin, Tennessee, United StatesRead 28 Sep 2026 · ramseysolutions.com

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.Read 5 Oct 2026 · ramseysolutions.com

Ask SmartDollar AI

Ask SmartDollar AI provides answers to employees’ money questions from Ramsey financial experts.Read 5 Oct 2026 · ramseysolutions.com

Coaching

Employees receive unlimited one-on-one financial coaching in English or Spanish, as well as group coaching.Read 5 Oct 2026 · ramseysolutions.com

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.Read 5 Oct 2026 · ramseysolutions.com

Employer portal

SmartCenter gives employers participation and engagement reporting, financial progress metrics, and launch and promotional materials.Read 5 Oct 2026 · ramseysolutions.com

Financial plan

The program follows Dave Ramsey’s 7 Baby Steps, guiding employees through budgeting, emergency savings, debt payoff, and building wealth.Read 5 Oct 2026 · ramseysolutions.com

HRIS integration

SmartDollar integrates with employers’ HRIS through secure, encrypted file transfers that automatically keep employee eligibility lists current.Read 5 Oct 2026 · ramseysolutions.com

Included tools

The benefit includes premium EveryDollar budgeting, tax filing software, an online will-maker, and financial education.Read 5 Oct 2026 · ramseysolutions.com

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.Read 5 Oct 2026 · ramseysolutions.com

Who it serves

SmartDollar says it serves organizations of all sizes and supports full-time, part-time, remote, hourly, and salaried employees.Read 5 Oct 2026 · ramseysolutions.com

Plans and prices

Every SmartDollar plan and price →

Where Specifiction places it

• Employee Financial Wellness Software#22 of 287.0
• Financial Wellness Software#23 of 266.9