Apps
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.

What's unique
Track status of deliveries for online orders
5
/ 5

What's to love
Follow, save and search for individual products

What isn't
No map to view stores that accept the virtual card
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.

What's unique
Receive rewards points for healthy financial decisions
5
/ 5

What's to love
Follow, like and comment on others' investing activities

What isn't
Difficulty accessing budgeting tools in the app
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.

What's unique
Send and receive P2P payments directly through iMessage
5
/ 5

What's to love
Transparent views of Apple Card transactions and spending

What isn't
None
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.

What's unique
Pay others with crypto instead of cash
4.5
/ 5

What's to love
Extremely simple interface for sending and receiving money

What isn't
None
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.

What's unique
Option to add a multiplier to round-ups (up to 10X)
4.5
/ 5

What's to love
Ability for Acorns' brand partners to contribute to your portfolio

What isn't
Limited number of options for personal portfolios
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.

What's unique
Social feed with all of your friends' transactions
4.5
/ 5

What's to love
A variety of stickers and emojis to attach to your payments

What isn't
None
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.

What's unique
Scoring that reflects your financial health
4.5
/ 5

What's to love
Access to financial experts with "Albert Genius"

What isn't
None
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.

What's unique
Entry into cash giveaways just for using the app
4.5
/ 5

What's to love
Easily categorize and add notes to transactions

What isn't
Crowded with many ads inside the app
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.

What's unique
Stock-Back rewards for debit card spending
4.5
/ 5

What's to love
Easy-to-understand guides for diversifying your portfolio

What isn't
Limited insights on your debit card spending
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.

What's unique
Ability to trade on margin (with Gold plan)
4.5
/ 5

What's to love
Tools and reports for researching investment assets

What isn't
Absence of automated savings features inside the app
Crypto
Coinbase is a crypto wallet known for being one the first trading platforms for buying and selling cryptocurrencies. With the app, you can manage your portfolio and manage your Coinbase debit card.

What's unique
Access to many alt coins not available in other wallets
4.5
/ 5

What's to love
Earn rewards for learning about cryptocurrency

What isn't
N/A
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.

What's unique
Guided steps to lowering bills and building credit
4
/ 5

What's to love
Flexibility in how transactions can be categorized

What isn't
Notifications could be more action-oriented
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.

What's unique
Flexibility to change a payment's due date
4
/ 5

What's to love
Ability to view total amount owed over 15/30/60 days

What isn't
None
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.

What's unique
Negotiate bills and get fees refunded
4
/ 5

What's to love
Calendar view of upcoming recurring expenses

What isn't
Only two budgets included in free plan
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.

What's unique
Savings account that lives inside the app
4
/ 5

What's to love
Access to detailed loan terms for each purchase

What isn't
Shopping list feature can be difficult to find
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.

What's unique
Savings "triggered" by actions like completing workouts
4
/ 5

What's to love
Fully customizable set of savings rules

What isn't
Inability to use credit cards in savings rules
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.

What's unique
View of your financial picture beside your Wealthfront portfolio
4
/ 5

What's to love
"Cash" (checking) account linked to your investments

What isn't
Minimum deposit of $500 for investment accounts
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.

What's unique
Ability to group spend categories into custom budgets
4
/ 5

What's to love
Easily swipe between views of spending, budgets and accounts

What isn't
Difficulty in linking Venmo and Apple Card accounts
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.

What's unique
Social impact portfolio that support minority empowerment
4
/ 5

What's to love
Focus on tax optimization when building your portfolio

What isn't
Limited number of Automated Investing portfolio options
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.

What's unique
None
4
/ 5

What's to love
Visualization of your savings "climb" and peak

What isn't
No ability to "smart save" ad-hoc amounts
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.

What's unique
Find and donate to nationwide and local charities
3.5
/ 5

What's to love
Ability to convert and pay with credit card rewards points

What isn't
Overwhelming number of features in "More" tab
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.

What's unique
Pay for nearby parking directly through the app
3.5
/ 5

What's to love
Access to card-linked offers inside the app

What isn't
No ability to categorize or edit transactions
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.

What's unique
Attach photos to individual transactions
3.5
/ 5

What's to love
Snapshot of month-to-date financial progress

What isn't
Poor ability to auto-categorize transactions
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.

What's unique
"ChimeBot" support for getting help in the app
3.5
/ 5

What's to love
Wonderfully simple interface and navigation

What isn't
Inability to link external accounts
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.

What's unique
Overdraft protection for your linked bank account
3.5
/ 5

What's to love
Very simple setup and tracking of savings goals

What isn't
No option to round up purchases or schedule deposits
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.

What's unique
Access to financial coaching from certified experts
3.5
/ 5

What's to love
Ability to benchmark spending and net worth versus peers

What isn't
Cluttered interface that makes it difficult to comprehend insights

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.

What's unique
Rating purchases based on whether they made you happy
3.5
/ 5

What's to love
Chatbot that shares insights about your "happy spends"

What isn't
Some purchase rating questions seem irrelevant
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.

What's unique
Map view of where your purchases were made
3.5
/ 5

What's to love
Reference to savings round-ups in purchase alerts

What isn't
Difficulty locating the transactions screen in the app
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.

What's unique
None
3.5
/ 5

What's to love
"Spaces" that hold funds for specific purposes

What isn't
No ability to link external accounts
Crypto
Gemini is a crypto wallet that allows you buy, sell and pay with cryptocurrencies. Additionally, with the app, you can manage your portfolio and earn interest on your crypto holdings.

What's unique
Gemini Pay for paying with crypto at retailers
3.5
/ 5

What's to love
Simplistic views of portfolio and crypto holdings

What isn't
N/A
BNPL
Zip 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.

What's unique
In-app customer support messaging
3
/ 5

What's to love
Ease in finding and following favorite retailers

What isn't
Unclear acceptance of virtual card in retail stores
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.

What's unique
None
3
/ 5

What's to love
Customized goal setting for couples

What isn't
Some difficulty inviting a partner to the app
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.

What's unique
"Investment Checkup" guidance on your asset allocation
3
/ 5

What's to love
One-tap access to financial planning and advice

What isn't
Very clunky views of investments and net worth
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.

What's unique
Like and comment on your partner's financial transactions
3
/ 5

What's to love
Tracking and classifying spending by partner

What isn't
No option for rolling over monthly budgets
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.

What's unique
None
3
/ 5

What's to love
Widespread acceptance across U.S. banks

What isn't
Limited to just sending and receiving money in Zelle app
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.

What's unique
None
3
/ 5

What's to love
Earn "Budge Points" through financial challenges

What isn't
No ability to refresh external account connections
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.

What's unique
Ability to interact with the Emma team and community
3
/ 5

What's to love
Visual nature of spending insights

What isn't
Difficulty finding the transactions screen in the app
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.

What's unique
None
3
/ 5

What's to love
The use of tags for flexibly categorizing transactions

What isn't
No dedicated tracking of bills and subscriptions
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.

What's unique
"Sezzle Up" for boosting your credit score
3
/ 5

What's to love
Dedicated tab for creating a virtual credit card

What isn't
Very limited coverage by large merchants
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.

What's unique
"Plant" spare change in new trees from your round-ups
3
/ 5

What's to love
Track the environmental impact of your spending

What isn't
No ability to link external accounts
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.

What's unique
None
3
/ 5

What's to love
"Jars" for allocating cash to specific purposes

What isn't
Linked accounts are not included in insights
Budgeting
Honeydue offers budgeting and expense tracking tools for couples. The app helps enable seamless communication between partners about their jointly-managed finances.

What's unique
None
2.5
/ 5

What's to love
Message your partner about financial activity

What isn't
Unintuitive navigation throughout the app
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.

What's unique
None
2.5
/ 5

What's to love
Planning feature for paying off debt

What isn't
Even some very basic budgeting features aren't free