NerdWallet: Manage Your Money

NerdWallet

About this app

Track your budget, finances and credit - all in one place and all for free. Get the insights you need to make the most of your money. View all your financial accounts on one screen for easy, holistic monitoring. Then zoom in on the details of your cash flow, expenses, credit score and net worth. Plus, get Nerd-approved tips to help you manage your finances and work toward your goals.

Here’s how our FREE personal finance tracking app works:

KNOW YOUR CASH FLOW

- Track spending across multiple cards
- Keep track of your budget with our 50/30/20 breakdown
- Get detailed spending insights
- Track your bills, expenses and more
- Discover ways to cut back or save
- Compare spending month-to-month
- See your top spending categories for easier budgeting

KEEP UP WITH YOUR NET WORTH

- See how your income, debts, investments, and home value all add up
- Follow the history of your net worth
- Zoom into the details of your net worth and track individual accounts over time

MONITOR & BUILD YOUR CREDIT

- Access your credit score and credit report any time
- Get score change notifications
- Understand the factors that affect your score
- Learn ways to keep building – whether it’s increasing your credit utilization or paying your bills earlier, and more

SMART MOVES FOR YOUR MONEY

- Quickly find and compare more rewarding credit cards, better loan rates, and higher-earning bank accounts
- Join NerdWallet+ so you can earn rewards worth up to $350 for making smart financial decisions - like paying your credit card on time
- Join Drive Like A Nerd so you can score your driving in real-time and get better auto insurance rates

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Personal Loans Interest Rates and Fees: You can view personal loan offers on NerdWallet's loans marketplace. These are from third party advertisers from which NerdWallet may receive compensation. NerdWallet displays personal loans with rates that range from 4.60% to 35.99% APR with terms from 1 to 7 years. Rates are controlled by third party advertisers and are subject to change without notice. Depending on the lender, other fees may apply (such as origination fees or late payment fees). You can view any particular offer's terms and conditions for more information within the marketplace. All loan offers on NerdWallet require application and approval by the lender. You may not qualify for a personal loan at all or may not qualify for the lowest rate or highest offer displayed.
Representative Repayment Example: A borrower receives a personal loan of $10,000 with a term of 36 months and and APR of 17.59% (which includes a 13.94% yearly interest rate and a 5% one-time origination fee). They would receive $9,500 in their account and would have a required monthly payment of $341.48. Over the lifetime of their loan, their payments would total $12,293.46.

Ratings and reviews

UI is fine, but the data is so half baked it's not remotely helpful. Very poor detection of internal transactions (account to account), not compatible with Fidelity, appears to show fake data as an "example" if it doesn't have your real data. Cue me panicking that my credit score had dropped 100 points! Doesn't keep accounts up to date, overall useless and not in any way a substitute for Mint.

Something seems way off about the app recently. I've been using it for a few years and it's always been really dependable! Now it's saying my credit score went up 5 points too 700, when it's averaged around 765 after panicking and checking my other financial apps. Feels like it's trying to manipulate me to pulling my credit score by showing me inaccurate info about the quality of my credit factors such as saying my payment history is poor when for years it's been at 100%. So bazaar for this app!

I downloaded the app due to the positive reviews. However, I encountered several issues. The app kept indicating that the last four digits of my social security number were incorrect, which was not the case. I then attempted to link my bank account, following the same steps I have successfully used with Plaid in the past. I received an error message stating that my bank account could not be linked. I received an email/text stating they were. Deleted account will try elsewhere.

What's new

New Nerdy Updates:
- Your bills are more accurate now!
- If you’re a NerdUp user, you’ll see more prominent data on your card usage.