NerdWallet

NerdWallet’s app used to do more. Through 2024 it offered a 50/30/20 budget planner that split income into needs, wants, and savings, a bills tracker that flagged due dates, and a tool for managing insurance policies. In August 2025 the company cut all three, narrowing the app to account aggregation, a cash-flow view, and net-worth tracking through linked US bank and card accounts. Sign-up is free and tied to the same NerdWallet account used for its comparison content on credit cards and loans.

What’s left still has a use. The free credit score monitoring and the cash-flow view give a reasonable snapshot of where money sits across accounts, and there’s no charge for any of it since NerdWallet earns its money from the financial products it reviews elsewhere on the site. It just isn’t a budgeting app the way it was a year ago, so anyone who wants to set spending limits by category or build an envelope-style plan should look elsewhere on this list. It suits someone who already uses NerdWallet for credit cards and wants one extra account-tracking screen, not someone shopping specifically for a planner.