We also love the way the app breaks down spending and reveals patterns (how much you spent by a certain day this month versus last, for example). NerdWallet also offers some unique cash-back programs for restaurants that you link to your credit card. There’s a MoneyFix podcast, for example, and tips for scoring luxury trips for less money. Still, for those just starting out, there’s plenty to like. phone number that other apps had no problem with. During setup, the program also failed to accept a U.S. Other minor glitches include the fact that, in a list of top places we spent money last month, Nerdwallet incorrectly listed home insurance as one of the highest monthly expenses, completely missing a much more expensive regular property maintenance payment. Here’s the problem with that: After it performs credit checks, NerdWallet may share the information with its business partners to pitch you other services. NerdWallet also wants your social security number for periodic credit checks, which we declined–although we had to quit the program to do so (there was no “decline” or “back” button). (It should have automatically seen car loans from the linked bank accounts without asking for the number.) The app also wants your social security number and personal information to do a debt analysis, which shouldn’t be necessary. You can add the value of your car, for example, but when you try to assess related expenses, it asks for your social security number. One nettlesome area of NerdWallet is its persistence in attempting to get info like social security numbers. For people who have better things to think about, the program will also remind you when upcoming payments are due. If it’s, say, debt you want to control, the app will show you how long it will take to pay it off and in what areas you are carrying the most debt (student loan, credit card, or auto, for example). Depending on your choice, it then shows you sample features related to your goals. When you sign up to NerdWallet it asks you if you’re looking to build credit, earn extra cash back, stay on top of spending, or want to take control of debt. Like the others, it gives you a picture of your financial health (called a Nerd’s-eye view).
#BEST MONEY MANAGEMENT APP FOR MAC FULL#
NerdWallet does its best to make managing money fun, chock full of catchy phrases like “Cha-Ching” when you make a deposit and encouragement like “Nice!” when you rein in spending. NerdWallet Best for: Professionals just out of college And at the end of the year, you can easily port over all your financial information to TurboTax. Also on the downside, Mint will email you pitches from partners for investment, loans, and banking services (which you should ignore).Īdditional benefits of Mint include a well-designed online interface when you want to get a bigger picture on your laptop or PC. Mint is one of the programs that also allows you to share your goals online with Facebook friends but again, we don’t recommend doing so for security reasons. An easy sliding graphic shows you that just adding a few dollars a month can shave years off repayment and save you thousands in interest. If you’re looking to reduce credit card debt, for example, Mint will spell out explicitly how long it will take to pay it off by just paying the minimum, how much interest you’ll end up paying (shocking), and offer suggestions like using your debit card more to make purchases (in other words, quit charging). Mint allows you to add goals, such as paying off a credit card, saving for retirement, buying a home, or taking a vacation (you can also set your own customized goal). The program can create automatic budgets, based on previous patterns, such as looking at all your grocery spending from last month, and then telling you what you have left to spend this month. For example, rather than just opening up all your accounts at a particular bank to the app, you can choose specific accounts at your bank to allow or block (the other apps simply gain access to all of them automatically). Mint also gives you more fine-grained options when it comes to access to your data. Link them all to Mint and it can send you reminders as well as build a detailed budget.
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It also includes those handy monthly bills like internet, TV, phone, electricity, and rent. When you sign up, Mint presents you with a straightforward list of accounts to track, from credit cards and bank accounts to loans and insurance. It’s also the easiest to use for newbies.
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Purchased by Intuit (the folks behind Quicken and TurboTax) a few years ago, Mint is the most complete and mature free financial app available.
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