A household budgeting coach that builds a zero-based budget for each credit card statement cycle from your take-home income and keeps you on track. It works from read-only card data and never carries a balance.

What it does

  • Builds a zero-based budget for each credit card statement cycle from your take-home income
  • Keeps you on track
  • Works from read-only card data

In the creator’s own words.

1What you’ll need

  • A Bot account, or the Bot app on your phone

From the bot’s share page, which lists no other requirements.

Avoid sharing passwords, keys or private personal data.

2Set it up

Summary from the bot’s share page:

  1. Open Dave Ramsey’s share page with Open in Bot.
  2. Add Dave Ramsey in Bot.
  3. Start a chat with Dave Ramsey, then review what it produces and check any factual claims.

3Use it

Open in Bot ↗