# NerdWallet: Smart Money App — Track, Save & Invest

> Free personal finance app for tracking, saving, and investing money. (iPhone/iPad app by NerdWallet.)

- Source: https://appshunter.io/ios/app/nerdwallet-smart-money-app/id1174471607 (this page in markdown: same URL + `.md`)
- Developer: [NerdWallet](https://appshunter.io/developer/578853412)
- Category: Finance
- Price: Free
- Rating: 4.80/5 from 124,643 App Store ratings · 393 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 96 MB
- Languages: American English
- Released: 2016-12-07
- Data updated: 2026-08-29
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/nerdwallet-smart-money-app/id1174471607/reviews.md

## What is NerdWallet?

The free NerdWallet app does the work for you, making it easy for you to track, save, and invest your money. 

TRACK
Our dashboard helps you stay on top of where your money goes and how it grows. Track your cash, investments, credit cards, loans, and property. Monitor your recurring bills and subscriptions, with access to one-click cancellation. 

CREDIT
Check your free credit score, understand what's impacting it, and get personalized tips to strengthen your profile.

EARN 3.90% APY* ON YOUR CASH
When you open a Cash Account offered by Atomic Brokerage, and deposit funds within 14 days, you can earn a boosted 3.90% APY on balances up to $250,000 for the first 6 months.

BUILD
We’ve partnered with Atomic Invest to give you access to their Treasury Account to invest in U.S. Treasury Bills. You don’t have to pay state and local taxes on the earned interest from Treasury Bills, so you can focus on growing your savings. Federal taxes on earned interest still apply.

INVEST
We’ll give you access to Atomic Invest’s Automated Investing Account to put your investing on autopilot. Get direct indexing with no balance minimums — allowing you to reap more savings via tax loss harvesting.

LEARN
We’ll help you connect what’s happening in the news and the economy directly to your finances, so you always know what it means for you.

SHOP
We’ll show you financial products, and provide access to the Nerds' ratings and reviews for each one.

Disclosures:

NerdWallet privacy policy: https://www.nerdwallet.com/p/privacy-policy

NerdWallet terms:
https://www.nerdwallet.com/p/terms-of-use

*An introductory 0.65% Annual Percentage Yield (APY) boost is available on up to $250,000 in deposits for the first 6 months when you open a Cash Account offered by Atomic Brokerage LLC and deposit funds. Balances above $250,000 will earn the standard 3.25% APY. After the 6 month introductory period, all balances earn the standard 3.25% APY. The introductory APY boost of 0.65% is available through NerdWallet’s promotional program. APYs are accurate as of 05/26/2026 and are subject to change without notice.

Paid Non-Client Promotion for the Treasury Account and Automated Investing: NerdWallet has engaged Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser, to bring you the opportunity to open an investment advisory account with Atomic. NerdWallet receives compensation of 0% to 0.85% of assets under management annualized, payable monthly, for each referred client who opens an Atomic account and a percentage of free cash interest earned by clients, which creates a conflict of interest. 

Brokerage services for Atomic are provided by Atomic Brokerage LLC, a registered broker-dealer and member of FINRA and SIPC and an affiliate of Atomic, which creates a conflict of interest. For more details about Atomic, please go to https://www.atomicvest.com/atomicinvest. For more details about Atomic Brokerage, please go to https://www.atomicvest.com/atomicbrokerage. You can check the background of Atomic Brokerage on FINRA’s BrokerCheck at https://brokercheck.finra.org/. 

Paid Non-Client Promotion for the Cash Account: You can open a Cash Account offered by Atomic Brokerage LLC which allows you to earn interest on your cash through a cash sweep program. See important Cash Account disclosures at https://www.atomicvest.com/legal/disclosures/7d9c31dd-bf97-46ae-9803-1774b97187af. Atomic Brokerage shares fees from the cash sweep program banks with NerdWallet for each referred client who opens a Cash Account, which creates a conflict of interest.

Neither Atomic Invest nor Atomic Brokerage, nor any of their affiliates is a bank. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged.

## Key features

- 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

## What do users think of NerdWallet?

Overall sentiment: neutral

**Pros**

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

**Cons**

- 🐛 Frequent connection issues
- 🐛 Inaccurate account balances
- 🐛 Unreliable account linking
- 🐛 Inconsistent transaction categorization

**Commonly reported bugs**

- Accounts randomly unlinking
- Incorrect credit score reporting
- Delayed transaction updates

**Most requested features**

- Custom spending categories
- Manual transaction entry
- Detailed budgeting tools
- Improved account synchronization

## Recent user reviews (10 of 393)

All indexed reviews: https://appshunter.io/ios/app/nerdwallet-smart-money-app/id1174471607/reviews.md

### 1/5 — Last 4 of account numbers always wrongs

*2026-08-25, version 14.26.0*

Last 4 of account numbers always wrongs

### 4/5 — Love it

*2026-08-24, version 14.26.0*

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

### 5/5 — Nerd Wallet

*2026-08-24, version 14.26.0*

Keeps me informed of my progress and other apps working together

### 5/5 — Cash avance

*2026-08-17, version 14.25.0*

Exelente

### 1/5 — Looks like a scam app

*2026-08-03, version 14.24.0*

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.

### 5/5 — HSEMG

*2026-08-02, version 14.24.0*

I’m new to the app so let’s see how it goes ?

### 5/5 — The Smart Money App

*2026-07-29, version 14.24.0*

It’s a great Money App! Try it for yourself..

### 1/5 — So buggy

*2026-07-20, version 14.23.0*

Used to be a great app but (1) my Interactive Brokers won’t update (has been 7 days…), and there’s no clear way for me to delete it & re-add it and (2) I can’t delete certain accounts.

### 5/5 — Cd

*2026-07-14, version 14.23.0*

Convenient

### 1/5 — Worst financial app out there

*2026-07-14, version 14.23.0*

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?

## Frequently asked questions about NerdWallet

### 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.

## Version history (last 5 releases)

### 14.26.0 — 2026-08-18

• 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.

### 14.25.0 — 2026-08-04

The usual bug fixes and nerdy updates.

### 14.24.0 — 2026-07-21

The usual bug fixes and nerdy updates.

### 14.23.0 — 2026-07-07

The usual bug fixes and nerdy updates.

### 14.22.0 — 2026-06-23

The usual bug fixes and nerdy updates.

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## More apps by NerdWallet

- [Nerds x NerdWallet](https://appshunter.io/ios/app/nerds-x-nerdwallet/id6497171114)

All apps by NerdWallet: https://appshunter.io/developer/578853412

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*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 2026-08-29.*