NerdWallet: Manage Your Money

27.7K reviews
Editors' Choice
Content rating
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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:


- 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


- 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


- 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


- 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.


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.
Updated on
Feb 28, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info and 4 others
This app may collect these data types
Personal info, Messages and 2 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

27.1K reviews
Patrick Templeton
February 1, 2024
This app has a lot of potential to replace Mint, but it has some issues to sort out. Some, but not all, of those issues include that there's no way to update an account — you just have to wait until it decides to do it. The numbers for cash flow on the web version and on the app are always confusingly different. The bill feature just doesn't work. And certain buttons in the app just don't work sometimes.
92 people found this review helpful
Did you find this helpful?
February 2, 2024
Thank you for leaving a review, Patrick! So sorry to hear about the trouble you've had with the app, and any data discrepancies you've seen. We'd love to look into things for you - please send us a note at and our Nerds will be happy to help!
Grant Haataja
February 8, 2024
I really enjoy this app for tracking net worth but lately every time I login it shows no accounts linked. If I go into settings I can see that they're still linked and it still gives me the total, but I can't see the breakdown of what's what on the net worth page, which is really frustrating. 02/07/24 edit: New problem, although this isn't NerdWallet's fault. Fidelity changed their policies to not allow any authentication though Plaid, so it's no longer possible to see those balances. :(
207 people found this review helpful
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July 25, 2023
Hi Grant, sorry to hear about this hiccup! When you have a moment, would you mind updating to the latest version of the app? If the issue persists, please send us a note from the email associated with your account to
Kristofer Flowers
December 20, 2023
Was really good for years. Even used it to help me get the right credit card for me. But now it's just been a pain. Doesn't connect to accounts correctly, and sometimes just drops them completely. This is my second time un/reinstalling the app just to see my accounts. It won't relink to my companies payroll card, so it's not getting half of my pay/purchases. And it says it updates my accounts regularly, but it's ALWAYS missing purchases. Mainly my utilities and bills. Credit score works though.
156 people found this review helpful
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December 21, 2023
So sorry to hear about the trouble ! We'd love the chance to address the account linking and transaction issues you're experiencing. Please send us a note at with some more details. Our Nerds are eager to help!

What's new

New Nerdy Updates:
- You can now easily share fun facts from your weekly insights with friends and family!
- We’ve addressed a few bugs around logging in through Google and Apple single sign on.