Apps

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Klarna

BNPL

With Klarna, you can break large purchases into four easy payments. Inside the app, you can create Wish Lists, find inspiration for your next purchase and manage the repayment of existing loans.

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What's unique

Track status of deliveries for online orders

5

/ 5

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What's to love

Follow, save and search for individual products

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What isn't

No map to view stores that accept the virtual card

Apple Wallet

P2P, Wallet, Credit Card

Apple Wallet is home to Apple Pay and Apple Cash - Apple's two revolutionary financial products - plus all of your credit cards, debit cards, loyalty cards, transit passes, game tickets and boarding passes.

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What's unique

Send and receive P2P payments directly through iMessage

5

/ 5

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What's to love

Transparent views of Apple Card transactions and spending

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What isn't

None

SoFi

Banking, Investing, Credit Card

SoFi provides you with an all-in-one lever for managing your financial life, with banking, saving, investing, budgeting and even crypto all living inside its single mobile app.

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What's unique

Receive rewards points for healthy financial decisions

5

/ 5

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What's to love

Follow, like and comment on others' investing activities

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What isn't

Difficulty accessing budgeting tools in the app

Stash

Investing, Saving

Stash offers a number of ways to invest and save your money automatically. You can put savings on auto-pilot with scheduled deposits or round-ups - or use the app to find investment assets right for you.

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What's unique

Stock-Back rewards for debit card spending

4.5

/ 5

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What's to love

Easy-to-understand guides for diversifying your portfolio

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What isn't

Limited insights on your debit card spending

Acorns

Saving, Investing

Acorns offers ways to automate your savings and grow wealth with diversified investments, ranging from personal portfolios to retirement accounts to eco-friendly funds.

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What's unique

Option to add a multiplier to round-ups (up to 10X)

4.5

/ 5

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What's to love

Ability for Acorns' brand partners to contribute to your portfolio

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What isn't

Limited number of options for personal portfolios

Square Cash

P2P, Investing

With Square's Cash app, you can send and receive money from others via their phone number, e-mail address or "cashtag," while being able to easily access a history of your payment activity.

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What's unique

Pay others with crypto instead of cash

4.5

/ 5

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What's to love

Extremely simple interface for sending and receiving money

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What isn't

None

Mint

Budgeting

Build a monthly budget for every imaginable category with Mint. With the renowned personal finance app, you can track spending, view upcoming bills and get an instant picture of your net worth.

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What's unique

Entry into cash giveaways just for using the app

4.5

/ 5

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What's to love

Easily categorize and add notes to transactions

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What isn't

Crowded with many ads inside the app

Venmo

P2P, Wallet, Credit Card

Venmo lets you make payments to friends, family and others that are often enhanced with colorful messages. The app is also directly connected to its own debit and credit cards.

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What's unique

Social feed with all of your friends' transactions

4.5

/ 5

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What's to love

A variety of stickers and emojis to attach to your payments

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What isn't

None

Robinhood

Investing

If you're a hands-on investor, Robinhood's trading platform is for you. The app allows you to make commission-free trades of stocks, ETFs and crypto, while supplying you with tools to research new assets.

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What's unique

Ability to trade on margin (with Gold plan)

4.5

/ 5

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What's to love

Tools and reports for researching investment assets

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What isn't

Absence of automated savings features inside the app

Albert

Saving, Banking, Budgeting

There's no shortage of insights over your personal finances with Albert. The app allows you to bank digitally, save, invest and tap into the learning aspect of money through its coaches.

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What's unique

Scoring that reflects your financial health

4.5

/ 5

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What's to love

Access to financial experts with "Albert Genius"

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What isn't

None

Wealthfront

Investing

For a hands-off approach to growing your wealth, Wealthfront's got you. The app automates the transfer of money from your bank and then curates a portfolio custom to your objectives and risk tolerance.

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What's unique

View of your financial picture beside your Wealthfront portfolio

4

/ 5

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What's to love

"Cash" (checking) account linked to your investments

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What isn't

Minimum deposit of $500 for investment accounts

Betterment

Investing

Customizing investment portfolios to your financial goals is what Betterment is all about. Plus, in addition to building a personal portfolio, you can also add joint and trust accounts to track shared money.

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What's unique

Social impact portfolio that support minority empowerment

4

/ 5

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What's to love

Focus on tax optimization when building your portfolio

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What isn't

Limited number of Automated Investing portfolio options

Affirm

BNPL

The Affirm app enables you to search for products and pay for them in installments, while also allowing you to track outstanding loans and manage your repayment methods.

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What's unique

Savings account that lives inside the app

4

/ 5

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What's to love

Access to detailed loan terms for each purchase

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What isn't

Shopping list feature can be difficult to find

Qapital

Saving, Investing

Personalized goals are at the heart of Qapital. With the savings app, you can create rules that round up purchases, set aside funds on a recurring basis and add to an investment portfolio.

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What's unique

Savings "triggered" by actions like completing workouts

4

/ 5

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What's to love

Fully customizable set of savings rules

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What isn't

Inability to use credit cards in savings rules

Copilot

Budgeting

Copilot empowers you to take a hands-on approach to budgeting and spend tracking. With the app, you can also access a clean view of recurring expenses and upcoming paychecks.

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What's unique

Ability to group spend categories into custom budgets

4

/ 5

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What's to love

Easily swipe between views of spending, budgets and accounts

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What isn't

Difficulty in linking Venmo and Apple Card accounts

Afterpay

BNPL

Afterpay allows you to Buy Now Pay Later inside its app, view and manage outstanding loans and apply for a virtual credit card that can be used in physical retail stores.

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What's unique

Flexibility to change a payment's due date

4

/ 5

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What's to love

Ability to view total amount owed over 15/30/60 days

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What isn't

None

Peak

Saving

Peak makes it easy to automate savings and quickly understand where you stand against your goals. The app allows you to schedule savings deposits, round up purchases and set aside funds from your paycheck.

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What's unique

None

4

/ 5

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What's to love

Visualization of your savings "climb" and peak

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What isn't

No ability to "smart save" ad-hoc amounts

Truebill

Budgeting, Saving

Putting your bills on auto-pilot is what what Truebill does best. The app helps you track and cancel bills, subscriptions and other recurring expenses, while seeing a complete picture of your money.

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What's unique

Negotiate bills and get fees refunded

4

/ 5

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What's to love

Calendar view of upcoming recurring expenses

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What isn't

Only two budgets included in free plan

Empower

Banking, Budgeting, Saving

If managing your money digitally is your thing, Empower is for you. The app allows you to bank digitally, link external accounts, set spending limits and automate your savings.

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What's unique

Guided steps to lowering bills and building credit

4

/ 5

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What's to love

Flexibility in how transactions can be categorized

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What isn't

Notifications could be more action-oriented

Status Money

Budgeting

With Status Money, you can set budgets and see a full picture of your financial health. Additionally, you can follow financial topics you're interested in and benchmark finances against that of your peer group.

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What's unique

Access to financial coaching from certified experts

3.5

/ 5

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What's to love

Ability to benchmark spending and net worth versus peers

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What isn't

Cluttered interface that makes it difficult to comprehend insights

Joy

Saving

With Joy, you can build savings and track spending based on how each purchase made you feel. The app approaches money differently, helping you understand the financial tendencies of your personality.

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What's unique

Rating purchases based on whether they made you happy

3.5

/ 5

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What's to love

Chatbot that shares insights about your "happy spends"

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What isn't

Some purchase rating questions seem irrelevant

PayPal

P2P, BNPL, Wallet, Credit Card

PayPal's digital wallet allows you to send P2P payments, check out on e-commerce sites, buy crypto and finance online purchases. It also serves as an alternative to traditional banking products.

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What's unique

Find and donate to nationwide and local charities

3.5

/ 5

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What's to love

Ability to convert and pay with credit card rewards points

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What isn't

Overwhelming number of features in "More" tab

Chime

Banking

Chime is a digital banking app that allows you to get your paycheck early, pay bills, track spending and build credit with its Credit Builder card - all without being charged fees.

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What's unique

"ChimeBot" support for getting help in the app

3.5

/ 5

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What's to love

Wonderfully simple interface and navigation

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What isn't

Inability to link external accounts

Varo

Banking

Varo is a digital banking app that allows you to link external accounts, track spending, automate savings with round-ups and get your paycheck early - with no minimum balance required.

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What's unique

Map view of where your purchases were made

3.5

/ 5

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What's to love

Reference to savings round-ups in purchase alerts

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What isn't

Difficulty locating the transactions screen in the app

Google Pay

Budgeting, P2P, Wallet

Google Pay is a digital wallet that allows you to pay friends and pay for purchases online. The app also allows you to link external accounts and see a full picture of your money.

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What's unique

Pay for nearby parking directly through the app

3.5

/ 5

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What's to love

Access to card-linked offers inside the app

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What isn't

No ability to categorize or edit transactions

Digit

Saving

Digit makes it easy to put savings goals on auto-pilot, ranging from paying off debt to building rainy day funds. With the app's "boost" feature, you can prioritize select goals over others.

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What's unique

Overdraft protection for your linked bank account

3.5

/ 5

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What's to love

Very simple setup and tracking of savings goals

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What isn't

No option to round up purchases or schedule deposits

Monarch Money

Budgeting, Saving

Get an all-in-one view of your finances with Monarch Money. With the app, you can set budgets, manage cash flow and create savings goals - on your own or with a partner.

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What's unique

Attach photos to individual transactions

3.5

/ 5

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What's to love

Snapshot of month-to-date financial progress

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What isn't

Poor ability to auto-categorize transactions

N26

Banking

N26 is a neobank that empowers you to manage your financial life through its mobile app. With N26, you can move money into Spaces, access cashback offers and round-up debit card purchases to accelerate savings.

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What's unique

None

3.5

/ 5

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What's to love

"Spaces" that hold funds for specific purposes

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What isn't

No ability to link external accounts

Zelle

P2P

Zelle is a peer-to-peer (P2P) payments service that comes in the form of both a standalone mobile app and as an option for transferring money across most large banks in the U.S.

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What's unique

None

3

/ 5

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What's to love

Widespread acceptance across U.S. banks

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What isn't

Limited to just sending and receiving money in Zelle app

Budge

Budgeting

Track your spending, categorize transactions and see a complete picture of your finances with Budge. The app gamifies money management with challenges like adding to savings.

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What's unique

None

3

/ 5

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What's to love

Earn "Budge Points" through financial challenges

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What isn't

No ability to refresh external account connections

Centsibly

Budgeting

The Centsibly app allows you to link financial accounts, view a complete picture of your net worth, set budgets and track spending, all through fully customizable tags.

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What's unique

None

3

/ 5

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What's to love

The use of tags for flexibly categorizing transactions

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What isn't

No dedicated tracking of bills and subscriptions

Douugh

Banking

Douugh is a digital bank designed to help you manage spending and see your full financial picture. With its money jars, the app allows you easily set aside parts of your paycheck for bills and saving goals.

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What's unique

None

3

/ 5

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What's to love

"Jars" for allocating cash to specific purposes

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What isn't

Linked accounts are not included in insights

Personal Capital

Budgeting

See a complete picture of your wealth with Personal Capital. The app allows you to link investment and other financial accounts while receiving guidance and coaching on your portfolio.

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What's unique

"Investment Checkup" guidance on your asset allocation

3

/ 5

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What's to love

One-tap access to financial planning and advice

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What isn't

Very clunky views of investments and net worth

Quadpay

BNPL

Quadpay allows you to split purchases - and select cable / phone bills - into four bi-weekly payments. Inside the app, you can easily manage your outstanding loans and repayments.

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What's unique

In-app customer support messaging

3

/ 5

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What's to love

Ease in finding and following favorite retailers

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What isn't

Unclear acceptance of virtual card in retail stores

Sezzle

BNPL

With Sezzle, you can split purchases into four equal installments. The app also allows you to create a virtual credit card that can be used at retailers when Sezzle isn't an option at checkout.

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What's unique

"Sezzle Up" for boosting your credit score

3

/ 5

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What's to love

Dedicated tab for creating a virtual credit card

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What isn't

Very limited coverage by large merchants

Twine

Saving

Twine is all about empowering you to reach big financial goals. The app focuses specifically on helping couples save for financial milestones like a wedding, holiday vacation or down payment on a home.

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What's unique

None

3

/ 5

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What's to love

Customized goal setting for couples

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What isn't

Some difficulty inviting a partner to the app

Aspiration

Banking, Investing

Aspiration's focus on saving our planet sets it apart in the finance world. The app allows you to make environmentally-conscious financial decisions, such as spending on brands that support related causes.

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What's unique

"Plant" spare change in new trees from your round-ups

3

/ 5

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What's to love

Track the environmental impact of your spending

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What isn't

No ability to link external accounts

HoneyFi

Budgeting

HoneyFi helps couples jointly manage their finances. With the app, you and your partner can link your respective financial accounts and then communicate with one another in the context of a transaction.

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What's unique

Like and comment on your partner's financial transactions

3

/ 5

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What's to love

Tracking and classifying spending by partner

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What isn't

No option for rolling over monthly budgets

Emma

Budgeting

With Emma, you can categorize transactions, build custom budgets and track your progress against them. The app also helps you cancel unwanted subscriptions and lower bills.

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What's unique

Ability to interact with the Emma team and community

3

/ 5

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What's to love

Visual nature of spending insights

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What isn't

Difficulty finding the transactions screen in the app

Honeydue

Budgeting

Honeydue offers budgeting and expense tracking tools for couples. The app helps enable seamless communication between partners about their jointly-managed finances.

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What's unique

None

2.5

/ 5

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What's to love

Message your partner about financial activity

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What isn't

Unintuitive navigation throughout the app

PocketGuard

Budgeting

The Pocket Guard app offers a variety of budgeting, spend tracking and expense reduction tools, including views that allow you to see your spending by category, merchant or hashtag.

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What's unique

None

2.5

/ 5

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What's to love

Planning feature for paying off debt

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What isn't

Even some very basic budgeting features aren't free