NerdWallet: Smart Money App

NerdWallet: Smart Money App

Track, Save & Invest

126K ratings
404 reviews
With Ads
💰 Finance
Free
With Ads

Details

Released
December 7, 2016
Updated
October 27, 2026

Features

Background Location Access

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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 about NerdWallet

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What's New in NerdWallet

15.2.0

October 27, 2026

The usual bug fixes and nerdy updates.

User reviews

Nerdy news

Not liking the new update. Biased affiliate articles that feel scammy.

Constantly Improving

The app keeps getting better and better. I like the new financial question features it makes you think about your finances in different way. My mortgage company was finally added so I can track my liabilities automatically rather than manually it's been years but it works. Which is a game changer in my opinion. The app uses Redfin to estimate your house value.

It would be cool if it added other companies as well like Zillow etc... and then provide you a blended home value based on multiple sources which will help make it a bit more accurate.

This is one bug I have on the iphone app as of 10/13/2026 even after todays update if you click "Cash Flow" the "View my Budget" a popup appear that says "Make the budget yours". There is no way for me to remove the popup and in fact the app becomes frozen. I can repeat this bug every time I open the app. It doesn't impact my iPad app though which is weird.
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Used to love

I used to love this app but now that I can't see a net worth graph it's not as useful. Being able to see savings and investments on one graph was so helpful and now that feature is gone

Works Great With Fatal Flaw

The app works pretty great but sometimes the accounts get unlinked. For me the relink broke and had to readd the account to link it back. This wiped years of transaction history from my account which cannot be added. There really should be a warning before permanently deleting data as well as have a way to fix the bug with account relinks. The net worth tracker was half of why I used the app but that shows no useful history now
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Connection

It’s not connecting properly to the server and the text messages to authenticate are not coming through

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.