NerdWallet: Smart Money App 12.9.0

The free NerdWallet app does the work for you, tracking your budget, finances, and credit — all in one place and all for free. We’ll show you your financial accounts in one central location, monitor your spending, credit score, and net worth, and research thousands of financial products for you. Plus, get nerdy tips to help you manage your finances and work toward your goals.

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We’ll monitor your cash flow by:
• Tracking your spending across multiple cards
• Helping you budget smarter with our 50/30/20 breakdown
• Tracking your bills and expenses
• Showing you ways to cut back or save
• Comparing your spending month-to-month
• Highlighting your top spending categories for easier budgeting

We’ll monitor your credit by:
• Giving you access to your credit score and credit report any time
• Sending you credit score change notifications
• Explaining the factors that affect your score
• Giving you recommendations for building your score — like lowering your credit utilization, paying your bills earlier, and more

We’ll monitor your net worth by:
• Showing how your income, debts, investments, and home value all add up
• Tracking your net worth and individual accounts over time

We’ll help you make smart decisions by:
• Researching credit cards, savings accounts, loans and more so it’s easy to find the best ones for you
• Rewarding your smart financial decisions — earn up to $599/year in cash rewards with NerdWallet+. Register for a free account to start earning points, and join Nerdwallet+ to redeem your points for cash rewards.

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Personal Loans Interest Rates and Fees: You can view personal loan offers on NerdWallet's loans marketplace. These are from third party advertisers from which NerdWallet may receive compensation. NerdWallet displays personal loans with rates that range from 4.60% to 35.99% APR with terms from 1 to 7 years. Rates are controlled by third party advertisers and are subject to change without notice. Depending on the lender, other fees may apply (such as origination fees or late payment fees). You can view any particular offer's terms and conditions for more information within the marketplace. All loan offers on NerdWallet require application and approval by the lender. You may not qualify for a personal loan at all or may not qualify for the lowest rate or highest offer displayed.
Representative Repayment Example: A borrower receives a personal loan of $10,000 with a term of 36 months and and APR of 17.59% (which includes a 13.94% yearly interest rate and a 5% one-time origination fee). They would receive $9,500 in their account and would have a required monthly payment of $341.48. Over the lifetime of their loan, their payments would total $12,293.46.

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Insurance rates and discounts are based upon the specific coverage you select and other factors that apply to your situation. Discounts and coverage are subject to terms, conditions and availability. CA License #0M81402, doing business as Cubbard Insurance Solutions in California.

Ask The Nerds
The responses are the opinions of NerdWallet’s editorial writers, based on their experience writing about financial topics and the info you provide. Answers are for general educational purposes only, and not financial advice. Consult a CFP or a financial advisor for more on what is best for you specifically.