NerdWallet: Smart Money App

NerdWallet: Smart Money App

Track, Save & Invest

124K ratings
385 reviews
With Ads
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • December 7, 2016
  • July 7, 2026
NerdWallet: Smart Money App screenshot #1 for iPhone
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About

This app helps you manage your finances by tracking spending, monitoring bills, and providing insights into your credit score and cash flow. It also offers opportunities to earn interest on cash, invest in Treasury Bills, and automate investments.

Track cash, investments, credit cards, loans, and property
Monitor and cancel recurring bills and subscriptions
Actionable financial insights on credit score and cash flow
Earn APY on cash accounts
Invest in U.S. Treasury Bills
Automated investing with direct indexing
Learn about financial news and its impact
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What users say

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What's New in NerdWallet

14.23.0

July 7, 2026

The usual bug fixes and nerdy updates.

User reviews

Cd

Convenient

Worst financial app out there

I never leave reviews but this one is an exception. This app is genuinely the biggest pile of garbage ever made by humanity. A random intern can come up with a better UX.

The user journey is a labyrinth, all screen space is occupied by 90% and 10% useful information. It’s as if the whole app was made by a team of 10 program managers all competing for scope.

U need to click like 7 different parts of the screen before u see any spending breakdown… this app has “news” section given more priority than your budget.

Additionally:
- It counts between account transfers as income.
- Breakdowns only go as far as a couple of months back
- Which Genius came up with the idea that I ever want to see all transactions as a list
- Have some shame showing “beta” features.
- Who needs their net worth on the first page? The same customer profile who requires this low iq needs/wants breakdown?
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Unstable, resource hog

Phone turns into a hand warmer after launching and until it’s force quit. Unable to reliably switch between tabs or view accounts since the last couple updates.

Gutiérrez

Julio

Terrible update

Removed the only reason I downloaded this app. For a budgeting option. And then put in some garbage news stories and investment tab nobody asked for.

Edit: nice they added it back, too bad I moved on to rocket money

Developer apps

Featured on

User experience

🐞

Reported Bugs

3 issues

Accounts randomly unlinking

Bug

Incorrect credit score reporting

Bug

Delayed transaction updates

Bug

Requested Features

4 requests

Custom spending categories

Feature

Manual transaction entry

Feature

Detailed budgeting tools

Feature

Improved account synchronization

Feature

FAQ

What does the NerdWallet app do?

The NerdWallet app is a free personal finance tool that helps you track your money, save more, and invest. It provides a dashboard to monitor your cash, investments, credit cards, loans, and property, along with insights into your credit score and cash flow.

How can I earn money with the NerdWallet app?

You can earn interest on your cash by opening a Cash Account offered by Atomic Brokerage, potentially earning a boosted APY for the first six months. The app also provides access to invest in U.S. Treasury Bills through Atomic Invest, where earned interest is tax-advantaged.

Is the NerdWallet app free to use?

Yes, the NerdWallet app is free to download and use. While the app itself is free, it does mention in-app purchases and has ads, indicating a monetization model that supports its free offering.

What kind of investments can I make through the app?

The app offers access to Atomic Invest's Treasury Account for investing in U.S. Treasury Bills, which have tax advantages on earned interest. It also provides an Automated Investing Account for autopilot investing with direct indexing and tax loss harvesting capabilities.

Can I track my bills and subscriptions with this app?

Yes, the app allows you to monitor your recurring bills and subscriptions. It even provides access to one-click cancellation for these services, helping you manage your outgoing expenses more efficiently.