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It's Financial Peace University
. . . PLUS a whole lot more.

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Ramsey+ gives you the entire suite of our bestselling money products.

Get the money plan for real life! No more debt. Cash in the bank for emergencies. Confidence for the future! Try Ramsey+ for FREE. No hassle. No drama. No obligation.

Learn with Financial Peace, Budget with EveryDollar, and Track with BabySteps
Learn with Financial Peace

Get the proven money plan.

Financial Peace University—our bestselling course—has helped nearly 6 million people discover the right way to handle money. Dave Ramsey, Rachel Cruze and Chris Hogan teach you the timeless principles of paying off debt, saving and investing for the future.

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Budget with EveryDollar

Tell your money where to go.

Living on a budget is one of the keys to winning with money. With Ramsey+, you get all the premium features of EveryDollar so you can start telling your money where to go instead of wondering where it went.

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Track with BabySteps

Follow your progress.

Want to see how fast you can pay off your debt? Curious about the next right step for your money? Get customized coaching and tips and see how you’re doing.

BabySteps mobile app

What makes Ramsey+ different from other plans?

We created a simple, step-by-step plan that anyone can follow called the 7 Baby Steps. This is the only financial playbook you need to win with money.

What happens when you follow the plan?

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Frequently Asked Questions

What is Ramsey+?

Ramsey+ is everything you need to win with money—all in one place. It’s an entire suite of money tools, apps, content and resources to help you take control of your money for good. Your subscription includes access to all of our premium features, including Financial Peace University, EveryDollar budget reporting and automatic bank transactions, the BabySteps app, Ask a Coach, the Debt Snowball Calculator, PLUS so much more.

Who is Ramsey+ for?

Ramsey+ is for everybody! It has the content, tools and resources you need to reach your money goals faster. Whether you’re trying to get out of debt or save for retirement, Ramsey+ is here for the entire journey.

Is Ramsey+ three different apps?

Ramsey+ includes three different apps: FinancialPeace, EveryDollar and BabySteps. But you also get tons of other great features, like virtual groups with Financial Peace University, coaching resources, tailored content and budget reporting.

Can I get a subscription to only one app?

A subscription to Ramsey+ gives you access to all three amazing apps. It’s like getting guac, queso and salsa for the price of one. We don’t do individual app subscriptions.

Can I share my subscription with my spouse?

Yes! You can log in to multiple devices using the same username and password you created your account with.

What is Financial Peace University?

Financial Peace University has been our flagship product for almost 30 years. Nearly 6 million people have gone through the nine lessons and learned the proven plan to pay off debt, save for emergencies, and build wealth. Financial Peace University is included in your Ramsey+ subscription. You can also join a virtual class so you can go through the course with a community of folks who will walk with you as you begin crushing your money goals.

Do I need a subscription to Ramsey+ if I’ve already taken Financial Peace University?

Yes. The good news is, we are updating our content and adding new courses and resources all the time. The better news is, we have tools that will help you every step of the way.

How do I join a virtual class for Financial Peace University?

After you create your account, find the Classes tab on your Financial Peace dashboard. You can search by start date and meeting time to find a class that fits your schedule.

Do I need the Financial Peace University workbook to get started?

Nope! Being in a virtual class and having a workbook are just a couple ways to get started. But you can also choose to watch the content at your own pace. Either way, you can start budgeting and tracking your progress as soon as you sign up!

What happened to the Financial Peace Membership?

We took the Financial Peace Membership and made it a subscription to Ramsey+. We added more content and put all of our bestselling tools together in one easy-to-use package.

I’ve got a subscription to EveryDollar Plus. Do I need to do anything to get Ramsey+?

Nope! In fact, EveryDollar Plus users have always had access to all the great content in a Financial Peace Membership. Now, you’ll get everything included in Ramsey+! Just sign in to Ramsey+ with your EveryDollar login info and you’re good to go.

Does Ramsey+ help me even if I'm not in debt?

Absolutely! With Ramsey+, you’ll learn all about the 7 Baby Steps. This is the money plan for real life—ALL of your life. Getting out of debt isn’t the peak of your money journey. It’s just the beginning.

Is $129.99 really worth it?

We know it is. Following the 7 Baby Steps, the average person finds $332 after their first month of budgeting. And in the first 90 days, the average person pays off $5,300 in debt and puts $2,700 into savings. And that’s just in the first three months! Imagine what you can do after that.