# 3Nickels: Invest, Budget, Save — Save. Spend. Give. > Personal finance management app with customizable tools for saving, investing, and budgeting. (iPhone/iPad app by GuidedChoice.) - Source: https://appshunter.io/ios/app/3nickels-invest-budget-save/id1544362343 (this page in markdown: same URL + `.md`) - Developer: [GuidedChoice](https://appshunter.io/developer/1544362345) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 4.50/5 from 89 App Store ratings · 15 written reviews indexed - Age rating: 4+ - Requires: iOS 18.0 · 86 MB - Languages: American English - Released: 2021-09-07 - Data updated: 2026-08-12 - Monetization: subscription - User reviews in markdown: https://appshunter.io/ios/app/3nickels-invest-budget-save/id1544362343/reviews.md ## What is 3Nickels? Take advantage of more than 30 customizable and easy-to-use tools addressing personal finance areas, such as paying off debt, buying a house, and saving for retirement. Simply plug in information about your accounts and goals and 3Nickels will customize a detailed investment plan to help you achieve your financial dreams. You may think of your financial goals separately, but we offer an investment and savings solution that may help you meet all of them—and in the priority you choose. Within each of our 12 main categories, we even include ways to help you increase your financial literacy along the way. Take control of your financial situation: for now, and for the future. GET EXPERT ADVICE ON YOUR WHOLE FINANCIAL PICTURE   Create a plan that’s custom-fit to your individual goals, budget, and trade-offs.   ALL OF YOUR ACCOUNTS IN ONE PLACE FOR EASY UPDATES   Get updated balance info automatically and receive investment advice for all your investment accounts. KEEP TRACK OF YOUR EXPENSES Keep track of your saving, spending, and giving, and get recommended adjustments to your budget. PRIORITIZE YOUR FINANCIAL GOALS Tackle your financial goals, according to your priorities. LEARN MORE WITH OUR FINANCIAL TOOLS Learn about your financial options without having to study. Your low monthly subscription fee includes it all! FOLLOW US: Instagram: @3nickelsfi Twitter: @3nickelsfi You can also find us on Facebook, YouTube and LinkedIn ICON AUTHOR ATTRIBUTION: Select icons made by the following authors from www.flaticon.com: Bqlqn Dmitri13 Fjstudio Freepik Good Ware Gregor Cresnar Icongeek26 Ilham Fitrotul Hayat Itim2101 Kiranshastry Kirill Kazachek Payungkead Photo3idea_studio Pixel Perfect Prettycons Roundicons Smartline Smashicons Srip Surang Those Icons Select icons made by Google. Select icons made by Nucleo. ## Key features - 30+ customizable finance tools - Customized investment plans - Account aggregation - Expense tracking - Goal prioritization - Financial literacy resources ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Advice | $14.99 | per month | ## Recent user reviews (10 of 15) All indexed reviews: https://appshunter.io/ios/app/3nickels-invest-budget-save/id1544362343/reviews.md ### 5/5 — Most robust app I’ve found *2026-04-08* Definitely have experienced great upgrades in the service. I now get help with my benefit plan choices, my budget and my investments all in one place. ### 5/5 — Excellent personal help *2024-09-11* This app is unique. I finally know where we stand on our financial goals. At first I started out without linking our accounts. I just put in the balances. But as I used it, I found it easier to have our accounts linked so balances are updated. The app helps you keep track of where you are and then make decisions if you want to change goals or priorities. Great for couples to use to figure out what each one is thinking and to get to a solution. ### 1/5 — Buggy and unusable *2023-08-27* Crashes repeatedly when linking accounts Restarts from beginning (entering details) Miss classified accounts (brokerage as retirement) with no way of manually correcting ### 5/5 — Free Financial Education AND Comprehensive Unbiased Financial Advice? Yes, please. *2023-07-18* This is a dream app come true. Step-byastep financial advice on why and how to save, invest, and even donate to charity. Seriously impressive ### 5/5 — Incredible timesaver!!! *2023-07-12* I wish I had this App years ago. It is great to have all your accounts in one spot and easy to use. ### 5/5 — Shannon *2023-01-09, version 1.1.942* This app showed me how to pay off my debt and save a lot of money on interest. I wasn’t aware how much the interest on my debt really was. Now I know. ### 5/5 — A solution to keeping me on track! *2023-01-05* This has totally helped me see my goals in a new light such as paying off my car, understanding what’s important when it comes to spending and letting go of unnecessary habits. I’m so happy I downloaded this app and are well on my way to success in this area. ### 1/5 — BEWARE: Must Pay and Link Your Accounts *2022-04-26* You will get nothing of use from this app unless you 1) subscribe, and 2) link your financial accounts. … The app lets you look at nothing else useful until you surrender your financial information. Example: Financial terms? I can look those up for free, and already knew most of them. … In the real world, that might be called a scam. … If you subscribe, you cannot cancel immediately. You’re in for a month, like it or not. ### 2/5 — Too simplistic for my needs *2022-04-14* Nice concept, but I need to be able to add my own individualized budget subcategories for it to be useful for me. ### 5/5 — Great App *2022-03-30* Love the usability of the app. Great info/tips with functions that are user friendly. Love the customer service. Great company and great people. Super resource for anyone and everyone! ## Frequently asked questions about 3Nickels ### What does the 3Nickels app do? This app provides over 30 customizable tools to help users manage their personal finances. It assists with areas like debt payoff, saving for a house, and retirement planning by creating a personalized investment and savings plan based on user-provided account information and financial goals. ### What are the key features of 3Nickels? Key features include over 30 customizable tools for various financial needs, the ability to aggregate all your accounts in one place for easy updates, expense tracking with recommended budget adjustments, and prioritization of financial goals. It also offers resources to increase financial literacy. ### How much does 3Nickels cost? The app operates on a low monthly subscription fee, which includes access to all its features and tools. Specific pricing details are typically found within the app or on its official website. ### What kind of financial goals can I set with 3Nickels? You can set and prioritize a wide range of financial goals, such as paying off debt, saving for a down payment on a house, or planning for retirement. The app helps you create a plan to meet these goals according to your chosen priorities. ### Can I see all my financial accounts in one place? Yes, the app allows you to bring all your financial accounts together for easy updates. It provides updated balance information automatically and offers investment advice for all your investment accounts. ## Version history (last 5 releases) ### 2.3.9 — 2026-08-11 • 3Nickels now shows you a look ahead built from your accounts and budget  • See how what you own (assets) and what you owe (debts) could change over time based on your current plan  • View personalized credit card insights in a new dashboard ### 2.2.4 — 2026-07-24 • 3Nickels now shows you a look ahead built from your accounts and budget  • See how what you own (assets) and what you owe (debts) could change over time based on your current plan  • View personalized credit card insights in a new dashboard ### 2.1.005 — 2026-07-23 • 3Nickels now shows you a look ahead built from your accounts and budget  • See how what you own (assets) and what you owe (debts) could change over time based on your current plan  • View personalized credit card insights in a new dashboard ### 2.0.792 — 2026-07-08 New updates to help everything fit together: • Override transactions to track spending your way • Create custom categories for a more personalized budget • Upload an investment statement and let AI do the data entry for you ### 2.0.788 — 2026-07-07 New updates to help everything fit together: • Override transactions to track spending your way • Create custom categories for a more personalized budget • Upload an investment statement and let AI do the data entry for you ## Apps similar to 3Nickels | App | Rating | Price | Category | | --- | --- | --- | --- | | [Track Spending : Wise Budget](https://appshunter.io/ios/app/track-spending-wise-budget/id6444917344) | 4.8 (2,981) | Free | Finance | | [Wallet - Daily Budget & Profit](https://appshunter.io/ios/app/wallet-daily-budget-and-profit/id1032467659) | 4.6 (5,864) | Free | Finance | | [Buddy: Budget Planner App](https://appshunter.io/ios/app/buddy-budget-planner-app/id936422955) | 4.7 (9,337) | Free | Finance | | [Emma - Budget Planner Tracker](https://appshunter.io/ios/app/emma-budget-planner-tracker/id1270062373) | 4.7 (1,396) | Free | Finance | | [Monarch: Budget & Track Money](https://appshunter.io/ios/app/monarch-budget-and-track-money/id1459319842) | 4.9 (103,016) | Free | Finance | | [CoinKeeper: money manager](https://appshunter.io/ios/app/coinkeeper-money-manager/id849747345) | 4.6 (1,589) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-12.*