Browse apps
Investing, Saving, Banking
Stash offers a variety of savings automation features, including "Smart-Stash" funds that the app finds on behalf of you. Like Acorns, Stash includes investment products that users can tap into with their savings.
What's unique
Stock-Back rewards
What's to love
Stash Coach and challenges
What isn't
Limited debit spending insights
5
/ 5
Buy Now Pay Later
The Klarna app includes Wish Lists and pages for inspiration that allow users to plot their next BNPL purchase while managing the repayment of existing loans.
What's unique
Track status of deliveries
What's to love
Follow, save and search for individual products
What isn't
No map to view stores that accept the virtual card
5
/ 5
Saving, Budgeting, Bills, Banking
Albert offers a best-in-class user experience, with intuitive navigation and user action. Alerts come in the form of "cards" and tend to be more relevant than those of other budgeting apps.
What's unique
Genius money coach
What's to love
Ultra-simple spend tracking
What isn't
Lag in arrival of new transactions
5
/ 5
Budgeting, Bills
With Mint, you are empowered to customize and categorize transactions however you please, along with being able to access new transactions almost always same-day.
What's unique
intSights money insights
What's to love
Well-integrated bill pay
What isn't
Polluted with advertisements
4.5
/ 5
Saving, Investing
Acorns offers both savings automation and micro-investing services. To maximize savings from everyday purchases, Acorns' round-up feature includes a multiplier (up to 10x the regular amount).
What's unique
Acorns Later retirement fund
What's to love
"Found Money" partner program
What isn't
Monthly service fee of $1
4.5
/ 5
Investing
The pioneer of zero commission trading, Robinhood has democratized investing. Users can buy fractional shares and place orders in seconds.
What's unique
Free share of stock upon signup
What's to love
No minimum balance to open an account
What isn't
N/A
4.5
/ 5
Investing
Wealthfront provides users personalized investment portfolio customized to their financial goals and risk tolerance
What's unique
Cash account
What's to love
Easily view all financial accounts beside investments
What isn't
Inability to buy individual securities
4
/ 5
Buy Now Pay Later
Afterpay app's allows users to pay with BNPL in the app and view outstanding loans, along with the ability to apply for a virtual card that can be used in physical retail stores.
What's unique
Flexibility to change payment due date
What's to love
View total amount owed in next 15/30/60 days
What isn't
Inability to use virtual card inside the app
4
/ 5
Saving
Goals are central to Digit's services, which range from paying off credit card debt to rainy day funds. In addition to the chat feature in the app, Digit also offers SMS as a medium to communicate with users on savings progress. Digit is
What's unique
"Boosted" savings goals
What's to love
1% savings bonuses
What isn't
Monthly service fee of $2.99
4
/ 5
Banking, Budgeting
Empower offers maximum flexibility for categorizing transactions and offers just about every table stakes PFM feature. Notifications, however, could be more meaningful.
What's unique
Boost cashback rewards
What's to love
Customized spend tracking
What isn't
Can't manually refresh accounts
4
/ 5
Buy Now Pay Later
Affirm's app allows you to search for products and pay for them in installments, while also tracking outstanding loans and managing your repayment method.
What's unique
In-app savings account
What's to love
Access to detailed loan terms for each purchase
What isn't
Shopping list is difficult to find
4
/ 5
Budgeting
With Emma, you can set custom budgets and track them by tagging your transactions
What's unique
N/A
What's to love
Visual nature of spending insights
What isn't
N/A
4
/ 5
Saving, Investing, Banking
One of the earliest saving automation apps on the market, the app offers three different savings plans. With its savings rules, Qapital offers a wide range of ways to save money.
What's unique
Follow friends' savings progress
What's to love
Widest array of savings options
What isn't
Monthly fee of $3 for basic plan
3.5
/ 5
Saving, Budgeting
Joy lets you to assess your spending based on how purchases made you feel. Its chatbot, Gem, shares insights about your "happy spends" and helps you understand the financial tendencies of your personality.
What's unique
Rating transactions
What's to love
"Read" tab with tips and stories
What isn't
Irrelevant rating questions
3.5
/ 5
Saving
The Peak app makes it easy to quickly understand where you stand against your savings goals, offering the standard set of scheduled deposits and round-up features.
What's unique
Embedded "Northbound" blog
What's to love
Peak 1.5% rewards
What isn't
Monthly service fee of $2.99
3.5
/ 5
Budgeting
HoneyFi helps couples account for their collective spending at a granular level. With the app, you and your partner can like, comment or tag a transaction based on who made the purchase.
What's unique
Goals and emergency funds
What's to love
Top-tier purchase classification
What isn't
No rollover option in budgets
3.5
/ 5
Banking
Chime offers the standard set of digital-only banking features, from paying friends to automated savings. Thee app would benefit from a truly differentiated feature, other than an interest-free payday loan.
What's unique
Get paid up to two days early
What's to love
ChimeBot support for help
What isn't
No external account aggregation
3
/ 5
Investing
Betterment allows users to invest in portfolios aligned to their investing objectives and risk tolerance
What's unique
Socially responsible portfolios
What's to love
Minimum deposit of $10 to get started
What isn't
Limited number of portfolio options
3
/ 5
Banking, Budgeting
Varo's user experience is sleek and intuitive but the app lacks hallmark features that separate it from the competition. Some basic spend categories, like fast food, are hard to find.
What's unique
"Map" view of transactions
What's to love
Easy and effective goal setting
What isn't
Hard to find transactions screen
3
/ 5
Buy Now Pay Later
Quadpay allows users to split purchases into four bi-weekly payments
What's unique
In-app customer support messaging
What's to love
Simplicity of loan application
What isn't
Transaction fee of $4
3
/ 5
Saving, Investing
Twine app specifically focuses on helping couples save for big goals and financial milestones, such as a wedding or down payment on a home.
What's unique
Customized goal setting
What's to love
Straightforward layout and use
What isn't
Unintuitive partner invitations
2.5
/ 5
Banking, Saving, Investing
Aspiration's focus on helping people and the planet set it apart. Customers are able to make environmentally-conscious decisions by providing the resources to invest and/or shop at providers that support related causes.
What's unique
Socially-driven mission
What's to love
Track social impact of spending
What isn't
No external account aggregation
2.5
/ 5
Budgeting
Like Albert, Nummo's simplified layout makes it easy to visualize performance against budgets. The app, however, is squarely focused on managing spending.
What's unique
Bubble budgeting views
What's to love
Overall user-friendly interface
What isn't
Tools limited to spending
2.5
/ 5
Buy Now Pay Later, Banking, Mobile Wallet, P2P Pay
PayPal's Pay in 4 BNPL product is included in its standard wallet app.
What's unique
Part of broader digital wallet
What's to love
Simple view of orders
What isn't
No in-app product search / shopping
2.5
/ 5
Budgeting
Status Money caters to millennials' love for rewards by allowing users to cash in just for enrolling in new financial products while also helping you gauge spending by comparing to peers.
What's unique
Rewards for bank enrollment
What's to love
Web browser plug-in
What isn't
Crowded views of spending
2.5
/ 5
Budgeting
Pocket Guard offers a wide variety of budgeting features, ranging from spend visualization to subscription cancellation. Many features, however, require the paid version.
What's unique
Monthly planning tab
What's to love
Discovery of financial products
What isn't
Some basic features aren't free
2
/ 5
Budgeting, Saving
Pluto shines when it comes to setting goals, such as reducing spending in a certain category. Additionally, comparing spend against peers can help users who lack a sense of "what's normal".
What's unique
Weekly & monthly "challenges"
What's to love
Benchmarking versus peers
What isn't
Limited spend categories
2
/ 5
Budgeting
Honeydue offers a basic version of every feature one might need for managing money with a partner, including a screen dedicated to chat, enabling seamless communication about finances.
What's unique
Chat about transactions
What's to love
Spending limits by category
What isn't
Unintuitive app navigation