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NerdWallet: Smart Money App

NerdWallet: Smart Money App

Track, Save & Invest

125K ratings
393 reviews
With Ads
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • December 7, 2016
  • August 18, 2026

Features

Developer

NerdWallet
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NerdWallet: Smart Money App screenshot #7 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

Summarized from real user reviews of NerdWallet. Based on 125K reviews and a 4.8/5 average, it highlights the 4 positives and 4 negatives reviewers mention most about this Finance app.

Positive things

  • 💡Helpful financial insights
  • 👍User-friendly interface
  • 🚀Comprehensive account tracking
  • 💡Personalized recommendations

Negative things

  • 🐛Frequent connection issues
  • 🐛Inaccurate account balances
  • 🐛Unreliable account linking
  • 🐛Inconsistent transaction categorization
See all reviews

What's New in NerdWallet

14.26.0

August 18, 2026

• You can now personalize your budget breakdown percentages to better fit your needs. Head over to the budget screen to take a look! • Plus, track your home equity as it grows and explore options to cash out home equity.

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User reviews

Most RecentHighest RatedLowest Rated

Last 4 of account numbers always wrongs

Last 4 of account numbers always wrongs
HicksyrHicksyr

Love it

Works the way I want and more. Got locked out while traveling tho, which is both good and bad
ticked deliquentticked deliquent

Nerd Wallet

Keeps me informed of my progress and other apps working together
bridrickey1bridrickey1

Cash avance

Exelente
Panacho1990!!Panacho1990!!

Looks like a scam app

Tried to add my finance info and it keeps having problems logging in. So it made me think it’s a scam app, they ask you for ssn and accounts. I get it. But when it’s bouncing back it means someone in regulations put a plug on adding new stuff because money and info have been stoked and resold.
Bunch of screens that are useless. You see more ads than your actual info.
Tried to check my score it stayed on the same screen for 4 times and I gave up. Thanks, but NO. They lure you in by not asking for a subscription, but I’d rather pay a small fee and have a reliable dealer than shady app that does nothing.
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phoenixace666phoenixace666
See 388 more reviews

Developer apps

Nerds x NerdWallet
Nerds x NerdWallet

NXNW Event Info

💼 Business
Free
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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.