NerdWallet: Smart Money App

NerdWallet

About this app

The free NerdWallet app makes it easy for you to track, save, and invest your money.

TRACK
Our Net Worth dashboard lets you track your cash, investments, and more. We’ll provide you with insights about your credit score and cash flow.

EARN A COMPETITIVE APY
We’ve partnered with Atomic Brokerage to give you access to a Cash Account. Enjoy a competitive APY and no account fees or balance minimums.

BUILD
We’ve partnered with Atomic Invest to give you access to their Treasury Account to invest in U.S. Treasury Bills.

INVEST
We’ll give you access to Atomic Invest’s Automated Investing Account to put your investing on autopilot.

LEARN
We’ll help you connect what’s happening in the news, the markets, and the economy to your finances.

SHOP
We’ll show you financial products and provide access to the Nerds' ratings and reviews.

Disclosures:
NerdWallet privacy policy: https://www.nerdwallet.com/p/privacy-policy

NerdWallet terms:
https://www.nerdwallet.com/p/terms-of-use

Paid Non-Client Promotion for the Treasury Account and Automated Investing Account: NerdWallet has engaged Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser, to bring you the opportunity to open an investment advisory account with Atomic. NerdWallet receives compensation of 0% to 0.85% of assets under management annualized, payable monthly, for each referred client who opens an Atomic account and a percentage of free cash interest earned by clients, which creates a conflict of interest.

Brokerage services for Atomic are provided by Atomic Brokerage LLC, a registered broker-dealer and member of FINRA and SIPC and an affiliate of Atomic, which creates a conflict of interest. For more details about Atomic, please go to https://www.atomicvest.com/atomicinvest. For more details about Atomic Brokerage, please go to https://www.atomicvest.com/atomicbrokerage. You can check the background of Atomic Brokerage on FINRA’s BrokerCheck at https://brokercheck.finra.org/.

Paid Non-Client Promotion for the Cash Account: You can open a Cash Account offered by Atomic Brokerage LLC which allows you to earn interest on your cash through a cash sweep program. See important Cash Account disclosures at https://www.atomicvest.com/legal/disclosures/7d9c31dd-bf97-46ae-9803-1774b97187af. Atomic Brokerage shares fees from the cash sweep program banks with NerdWallet for each referred client who opens a Cash Account, which creates a conflict of interest.

Neither Atomic Invest nor Atomic Brokerage, nor any of their affiliates is a bank. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged.

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 an 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

Nerdwallet has great data tracking and useful articles. I'd been a longtime reader of the web version and picked up the app several years ago. It's all been helpful, but the past year or so of app updates have kind of diminished the former usefulness. Moreover, it's a pain to even get into the app now. What's the point of setting up fingerprint entry when the app just kicks me out to the website and makes me use a password AND a phone code? This alone has made me rely on the app way less.

I've been using this app for a while to keep track of my bills and spending. they recently took off the feature that let's you track your bills with no warning, and now I dont have a clue when anything is due. im very upset with this change and the fact that I cant even look at what I already had on there.

I moved here because mint was discontinued. I can't even begin to describe how much worse this app is than mint was. This doesn't track different banking accounts as well, the categories are less convenient, the flow is less intuitive. Not to mention, the app bombards you with ways to give your data and information to their partners and it's very annoying.

What’s new

We’ve refreshed the design of the transaction details, account details, and Cash Account pages.