A Money Plan for Real Life

Ramsey+ will help you go from where you are to where you want to be. No more debt. Cash in the bank for emergencies. Confidence for the future! This brand-new, all-access membership gives you our bestselling money products. Try it FREE today.

$129.99/year after 14-day free trial.
Cancel anytime. No drama. No hassle.

Learn with Financial Peace

Learn the proven money plan.

Almost 6 million people have discovered the right way to manage money. With great courses like Financial Peace University, you’ll learn how to pay off debt, save for emergencies, and invest in your future.

Financial Peace lesson shown on mobile device
EveryDollar budget shown on mobile app
Budget with EveryDollar

Tell your money where to go.

Without a budget, you can’t succeed with money. With all the premium features of EveryDollar, we make it easy for you to take control of your money—for good.

Track with BabySteps

Track your money progress.

See how fast you can pay off your debt and know the next right step for your money. With the new BabySteps app, you’ll get customized tips and start crushing your goals.

BabySteps mobile app

What makes Ramsey+ different from other plans?

We created a simple money plan that anyone can follow called the 7 Baby Steps. This is the only financial playbook you need to win with money. And it actually works.

Baby Steps 1-7

$129.99/year after 14-day free trial. 
No drama. No hassle. For real.

In the first 90 days, the average household

We promise—if you do the plan, it works.

Ramsey Plus logo

All-Access Membership


per year

$129.99/year after 14-day free trial.
Cancel anytime. No drama. No hassle.

Learn with Financial Peace
  • Unlimited streaming of exclusive money lessons
  • Practical, proven steps to help you win with money
  • In-depth tools for budgeting, saving and investing
  • Access from desktop, Apple TV, phone or tablet
Budget with EveryDollar
  • Simple, zero-based budgeting
  • Custom reports on income and spending
  • Syncs easily and securely with your bank
Track with Baby Steps
  • Track your Baby Steps progress
  • Customized content and tips
  • Motivation to crush your goals
  • Exclusively for members

$129.99/year after 14-day free trial.
Cancel anytime. No drama. No hassle.

In case you missed anything.

What is Ramsey+?

Ramsey+ is everything you need to win with money—all in one place. It's an all-access membership that includes our bestselling money tools, apps, content and resources to help you take control of your money for good. Your membership 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 people who need help or want to do better with money! 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 Ramsey+ membership 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 buy Ramsey+ as a gift for someone else?

You bet! Select “Send as a gift” on the first checkout screen and fill in the recipient’s information at the bottom of the form. After you check out, they will immediately receive an email with instructions on how to set up their account.

Can I share my membership 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+ membership. 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 Ramsey+ membership 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, sign in to ramseyplus.com and click on the Learn tab. Select Start Financial Peace University, then Find a Class. You can search by day of the week and meeting time to find a class that fits your schedule. There are lots of classes starting up all the time!

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 Ramsey+ membership. We added more content and put all of our bestselling tools together in one all-access 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 your Ramsey+ membership! 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 household finds $332 after their first month of budgeting. In the first 90 days, the average household 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.