When it comes to each person’s financial situation, there’s no one instance that’s the same. Each person has their own issues and potential when it comes to your overall worth. Below are apps that will help you invest more, manage your money, and keep ahead of all financial aspects.
Getting into investing could be an intimidating financial choice. With the M1Finance app, you’ll find it supereasy to get started in stocksno matter if you are a beginner or advanced. The coolest feature involves investing in portions of unaffordable stocks Amazon and Apple.
Perhaps you don’t know much at all about stocks, and with M1 you can choose handpicked stock portfolios from experts! Price:FREE
Not too long ago the economy was shattered by incredibly high real estate prices, rending future generations useless in the Real Estate Investing field. Some may joke that Millennials will never own property in their lifetime, while the generation themselves have been scrappy in finding other places to invest.
Real Estate Investing is less risky than stocks, yet seemingly impossible to get into if you don’t have much money until now! You can now invest in portions of Real Estate (eREITs) through this app! You can get started inReal Estate Investing with as little as $500(which sounds like a lot but isn’t in this investing field). Price:$500 Minimum
Peer to Peer investing and borrowing has been around for about a decade now, yet people often forgo this solid investing opportunity. By investing in other people’s loans you not only help someone pay off debt or a project but with a higher return than most portfolios out there, it’s no wonder why many experienced investors dabble in P2P.
Lending Club is one of, if not the largest Peer to Peer Loan Marketplaces around.Not only can you invest in other’s loans but you can get your own personal loan as well witha decent interest rate.Price:Minimum of $25 Investment
If your workplace offers a 401k or 403b plan, it’s likely that it’s not fully optimized to get you the most bang for your buck. By allowing an app like blooom tohelp boost your 401k plan’s potential, you’ll earn way more money in retirement if you don’t!
It’s like having your financial advisor without having to pay boatloads of money for! Price:First Month Free, then $10/mo
It wasn’t too long ago that stocks were such a hassle to get into. The stock market investing world stood on its feet when Robinhood became popular. Considered by many to be the pioneer of making stocks available for beginners and anyone who wanted access, Robinhood needs simple information for you to trade stocks for Free.
Although there are several competitors out there, Robinhood continues to evolve in this ever-changing world. Now they acceptFree trading with Cryptocurrency, making Robinhood an appropriate one-stop place to trade stocks. Plus they will also be adding their own banking with 3% interest! Price:FREE
It turns out that many people we talk to do oftennotget into stock trading because the companies they want to invest in are way too pricey. Take Amazon for example. Their current stock price is over $150o per share. That means if you’re going to invest in Amazon you’ll need $1500 just for one share!
What StockPile does is make these stocks more affordable by investing in a singleportionof a share of Amazon for as little as $5. Sure it will be a small fraction of what a single piece of stock is, but as the Stock grows, so does that $5! Now you can invest in multiple companies youwantto invest in! Price:$0.99c per trade (FREE STOCK INCLUDED)
Have a passion for a better environment, while also wanting to get into investing? Swell packages sustainable stocks like Healthy Living, Zero Waste, and Clean Water into a portfolio ready for anyone to invest through. These stocks will be handpicked by advisors who are experts within the field!
Swell’s whole motto is “Impactful InvestingWhere You’ll Make a Profit.” Price:0.75% Annual Fee
It’s challenging to enter investing when you don’t know much about it, or don’t have that much money to commit to a portfolio. With the Acorns app, you’ll be able to invest spare change into a stock portfolio.
What this means is that, for example, you fill up at the gas station and you spend $29.50 filling up.Acorns will round up the other 0.50 cents to make the purchase $30 even. By taking these spare change transactions and turning them into investments, it’s a harmless, yet simple way to invest money you never thought possible! Price:$1/mo
Veterans and Military Personnel are sometimes an overseen group of people that have financial needs as well. StreetShares makes iteasy for any sort of veteran to invest or get a respectable loan.
Investment wise, there’s a way to earn 5% on Business Bonds that includes former and current military along with small businesses within the United States. So basically, StreetShares is a great place to invest or get a loan for those who are applicable.
For those who own a home (probably not a millennial), you might want to renovate your kitchen or consolidate debt in some way. In some cases, your home’s equity is the only asset you might have. Figure offersloans based on your home’s equityrather than using any other line credit, plus the loan from Figure is Tax Deductible! Price:Rate Varies
Cryptocurrency has brought a whole new spectrum of investors to the universe. With a whole new array of options and potential, it’s no wonder why investing in cryptocurrency is one of the top trends in economics today.
Since the explosion of Bitcoin and other Cryptocurrency, there has been one app that has been consistent in onboarding new investors.Coinbase is a Free Cryptocurrency Trading Platform that has amazing security and ease of accessnot only beginner investors but for advanced ones alike.Price:FREE
Let’s admit it:We are suckers when it comes to our kids. Greenlight makes it super easy tomanage your child’s financeswithout being too complicated. You’ll be able to send allowance, manage savings and, budgets while giving them a widely accepted MasterCard (Debit) that is accessible to 120+ countries.
Sending money through the app keeps your mind at ease! Price:$4.99 After 30 Days
Want to get into a savings account but don’t have the time or money management skills to do so correctly? Qapital is a way to helpsave for what you want in life, like a beach vacation for example.
The app will stow money away for the vacation, or other goals, and help you easily save to reach the goal. Price:$2.99/mo
Very often people succumb to credit card debt due to insanely large available balances to spend on. If only there were a way to turn the tide on these credit card companies and make acredit card work like a debit card! Enter: Debitize.
What they’ll do is pay off your credit card monthly, so you don’t have to worry about late payments, accumulating debt and so forth. If you pay your card off every month, you’ll be able to reap credit card rewards like cash back and travel miles seamlessly! Price:FREE
One of the most significant expenses that people are likely to pay each month is Rent. Rent also is typically just written as a check to a landlord or property manager, and that’s the end of the transaction. Most people don’t realize that theserent payments can be reported to a credit bureau for reporting.
What this means is that you can increase your credit rating dramatically by doing this! Rent Reporters will take care of this for you and offers terrific customer service! By increasing your credit score, you’ll be able to get better rates on mortgages, personal loans, or other financing solutions! Price:$94.95
Tracking investments, expenses, budgeting and more can be a genuinely complicated task. Personal Capital serves as aone-stop dashboard for all of your financial management needs.
Though you are likely to find it useful should you have a higher net worth, those looking to track their net worth even with little money could find this wealth management tool very useful! Price:FREE
It’s never easy when you need a personal loan. Some reasons may include debt consolidation of credit cards or need extra money for significant expenses. Either way, loans do cost money through their various fees and interest rates.
EVEN will help you find the absolute best online personal loan by sending your application tomultiple reputable loan companies, and you’ll have the offers come to you! This way you know which offer works best for you. Price:FREE
It used to be that if you wanted to pay for rent or other expenses with a credit card you’d have to jump through hoops of fire. We still recommend you be careful paying rent and other higher costs with a credit card, but with Plastiq, everything is super easy.
You canboost your rewardsand one time bonuses by using your credit card to pay for big expenses. Price:2.5% Fee
When it comes to savings accounts, it’s thought of a place to stash money away and never touch it. With an app like Digit you’ll be able to save, but for things, you’d want to save for, like a trip to Disney World. Digit will analyze your spending habits and determine thebest ways to savefor the vacation that wouldn’t impact your daily and weekly routine.
Because it’s an effortless and painless way to save money, that would’ve otherwise been just sitting around; Digit makes quite the savvy companion! Price:After Trial, it’s $2.99/mo
Though there a ton of ads on Mint since being acquired by Intuit, it’s still one of the best budget and money trackers ever built! You cansync up all of your bank accounts,bills, and investments and find out what you should budget for each month.
With a secure dashboard and a wide array of tools readily available without cost, Mint.com certainly makes a solid choice to manage your money! Price:FREE
Having a great credit rating (or score) will help when you apply to get a mortgage or apply for a rewarding credit card. For most people, if you ask them what their credit score is, they’ll pause, and you’ll hear crickets in the background.
Nav offers you a place to attain aFree Credit Scorein addition to advice to increase the rating over time. You can also look into a business credit score too if you have running credit on your business as well! Price:FREE (Premium Features Available)
Whether you are building credit or have a terrific score, finding a rewarding credit card can be easy or difficult. Credit.com offers amarketplace of credit cardsfor those ranging from low credit scores to perfect credit scores.
If you are looking to try out a new card, you can’t go wrong with looking through Credit.com! Price:Depends on Card
Who hasn’t been in a situation when you needed a quick buck to cover gas or some other expense at the time? Bank overdraft fees are incredibly annoying and costly when they show up on your statement. You can ask the Dave app togive you an allotted amount of cashduring the month to save you from this kind of stress.
It’s a bonus that Dave isn’t like any other advances where you’ll have to jump through hoops to use it. There are no interest or credit checks to use this app! Price:$1/mo
Credit Card debt can be a major source of financial stress. A lot of times when you pay a credit card bill, the balance never seems to go down! If you have multiple cards and have a tough time paying them down you should take a look at Tally!
Tally will organize your cards and tell you which cards to pay off first, or pay accordingly. They’ll factor in specific methods on why you should pick a payment so that you’ll avoid higher interest and fees. They are essentially anautomatic debt paying machine! Price:FREE
Budgeting is essential for a person, or family to stay on track of their expenses. While it’s not fun for a lot of people, it can help achieve goals like saving for your child’s education or funding that beach vacation you always wanted.
YNAB offers one of the best ways to manage your money because you can easily track expenses and bills while being rewarded for saving in the long run. It’s simple to hook up your current bank accounts and statements too! Price:FREE for 34 Days, then $6.99/mo
Oh…taxes. Who loves filing their taxes?! (crickets chirping) Tax season is one of those periods of time when you get stressed because you have to get your bank statements, business expense reports, and income tax information ready while also dealing with life in itself.
Some apps like TurboTax and TaxAct make it easy to file taxes, yet people often forget that H&R Block also has a similar app whileoffering in-store advicefor those who’d rather speak to a real person. This comes in handy when you need help! So having the backup of having an H&R Block location combined with an app to file taxes should be your pocket! Price:FREE Federal Tax File
Often, we think we are immortal and never pass on. This is a harsh reality. We can still leave a lasting impression not only in the form of what we do in our lives but financially you can set up Life Insurance to make sure those who matter most to you, will be more secure in the short term. Life Insurance isn’t a pretty topic, but Ladder Life does the best job we’ve seen making it super simple and easy to sign up to.
It takes about5 minutes to get a Life Insurance plan,and with fantastic customer support, you’ll get the plan that fits. Price:Depends on Quote
The world of commerce is shifting online and so is banking. Brick and Mortar banks like Bank of America or Wells Fargo offer staggeringly low Savings interest rates, which makes it almost useless to save money rather than place it through investments that are higher yielding. Still, having a bank account dedicated to emergency funds and similar preferences makes a Savings account what it is.
CITBank (FDIC Insured) bridges the world of investing and saving by giving out a uniquely high-interest rate forsavings at nearly 2.15% annually. This means if you keep $10,000 in savings you are to get $215 back without lifting a finger. Because CITBank is all digital, they don’t have to pay for employees and other fees to keep their business from offering these high returns. Price:FREE
Although you might not expect PayPal to be much of a great app other than it’s bank-link functionality, there are aton of features from this major company that goes overlooked. You can sign up for a Cash Card and withdrawal PayPal money instantly if you sell anything on eBay. PayPal Credit gives you the opportunity to buy something you may need without interest for several months (widely accepted). And now PayPal entered the Credit Card game with their 2% Cash Back Credit Card. Because there are no rotating categories like Chase Freedom offers, the stable 2% Cash Back on all purchases is a nice touch, plus there’s no limit to withdrawal the cash back. You could earn .10c on a purchase and withdrawal it! Price:FREE
Banking between couples can get…a bit stressful at times. In fact, many marriages end because of financial strain. With the HoneyFi app, you’ll be able tosync your goals and financial budgeting as a coupleand overall, manage your money better.
You can comment on the overspending on Christmas, underspending for your Mother In Law’s Birthday and much more. Become a happier couple with this financial management app! Price:FREE
Saving is plain boring. You never know when you need the money and who knows if you’ll ever really use your savings for anything important. That doesn’t mean we don’t think you should have a Savings Account, but maybe there are ways to make it more fun!
Long Game is afun app that will enter you into contents for each time you save. Your money acts like a Savings Account complete with FDIC insurance, but every time you save you enter fun games and contests. You may even win a lot of money! Price:FREE
People love spending money. It’s what gets you food, clothing, and sometimes happiness. But money shouldn’t buy you happiness all the time. In fact, most of our purchases end up lying around somewhere in the house or apartment taking up unnecessary clutter.
Joy acts a spending Psychiatrist by allowing you to rateHappy or Sadafter you buy something. By allowing you to place your spending emotions somewhere, you’ll spend less and save more over time…if that makes you happy! Price:FREE
Benjamin Franklin once said: “Rather go to bed without dinner than to rise in debt.”This remains to be such a true statement these days. With credit card bills, Student Loans, and other large expenses, Debt is becoming the new norm in this financial world.
On the other hand, if you are Debt Free you release yourself of a ball and chain that is financially and emotionally dragging you down. With the Qoins app, you can pay down debt by rounding up expenses and spending habits. For example, you pay $19.50 at the Gas Pump, Qoins will round it up to $20.00 and use the extra $0.50 to pay down your Debt! Price:$1.99/mo
Insurance Shopping isn’t a pleasant experience, but for most households with a car, you’ll need to do it. Most states require Insurance so shopping around is an essential part of saving in the long run.
Many people don’t realize that you can always switch Insurance plans and policies fairly easily and save a ton of cash. Gabi willlink to your current Insurance Policy (auto) and find out if there are other better ones,with similar coverage, out there! Price:Free to Find Out Coverage Options
Getting into investments, managing a stock portfolio, tracking expenses and other personal finance tasks is really hard to keep track of, no matter the app selection you use. That’s why it’s always a good idea to have a Personal Finance Advisor within reach.
WiseBanyan is aFree Personal Finance Advisor(Yes, Free) that leverages top-notch tech to manage your investment portfolios to greater depths. Price:FREE
Banks are changing fairly drastically due to the latest Financial Technology. Once, the concept of scanning a check in through an app came around, it was only a matter of time when we’d shift the way we think of traditional banking.
Chime bank is not the first bank to be fully digital, but it is one of the most up and coming banks thatoffers unique perks and benefits that fit newer innovations of banking. For example, you can get paid 2 days before payday when you set up Direct Deposit with Chime. There are also no fees to using the bank, or withdrawing cash from MoneyPass ATMs. Chime continues to innovate, and that’s why they are here on this list. Price:FREE
Arguably the field that needs more neat apps is Real Estate. If you’ve ever done home shopping or selling you’ll know it’s a stressful and extremely time-consuming process. As a buyer, you want the best house for the money, and as a seller, you want the most money for your home. But one thing is for sure is that you’ll massive amounts of time shopping and selling.
OpenDoor is an incredible new app that we can see changing the entire Real Estate landscape.It makes obvious things like House Showings easier to access by using an app. (As a buyer, it makes sense to just head to a house, see the home for yourself and make an offer, rather than have an Agent show you) Price:FREE
Insurance is a pain for many families. For one, it’s an expense no one sees unless there’s some accident. This deters many people from signing up for insurance. When something wrong does happen, you better have insurance since we are human after all.
Cover makes itsuper easy to sign up to any insurance by using your smartphone camera!You can ensure your pet, a piece of jewelry, or your home. All you need is your smartphone to get started! Price:Per Quote
If you ever wanted to strip down everything that banking should be and made it an easy andsimplebanking experience, you’d have the Simple Banking app. Backed by the BBVA Compass company, this FDIC banking app allows users tosign up for a checking or savings account and have everything managed through one incredible app.
With Zero Fees and the ability to have a Shared Account (with your partner), you’ll easily track expenses and set budgeting in a pinch. Price:FREE