80+ Smart Money Apps to Try Right Now!

80+ Smart Money Apps to Try Right Now!

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Read about these apps and see if one is of interest to you!


Looking to get into investing?  You may or may not want to invest in stocks like Amazon but the initial cost is pretty high (around $1k).  With Public you can invest as little as $1 into a stock and own a portion of these types of stocks.  This makes investing a bit more accessible for those who just want to get their foot in the door.  Try them out and get our exclusive offer with $10 to invest FREE!


Ever check your internet or cable bill and notice it has been increased a tad?  Bills like these, including SiriusXM and other types of bills might be negotiable!  Truebill syncs these bills up and seamlessly gets them lowered.  And no, your internet speeds won’t change if you get a bill lowered.  Pricing wise, they are free, but if they successfully get the bill lowered they take a chunk off of that.  It’s free money anyways so why would you care about the charge?  We’ve been using them for months now…definitely recommend!


While there are plenty of money making surveys, often times they’ll ask you really mundance questions and thus the drop off on these types of apps are pretty big.  Dabbl is the outlier here as they actually post really interesting surveys with brands you may enjoy already.  I had the chance to meet these guys personally and the leader of the company actually helped invent those printed coupons at the grocery store.  In any case, you can bet that this will be one of your favorite survey apps that reward you!

Self Lender

Credit scores are typically comprised of your history in regards to how you paid off loans, credit cards, student loans and more.  Enter: Self Lender.  Essentially what this app does is give you a small loan that you pay back in a short amount of time.  By doing this sort of “micro loan to yourself” you then increase your credit score so that you can get better rates on credit cards and other types of loans.


Gone are the days of coupon cutting.  With the Dosh app, you’ll find local restaurants and shops that offer cash back, or extra money back into your account if you end up spending money there.  All you have to do is link any debit or credit card through the app and you are all set!  Card Linked Apps are an amazing and super easy way to earn extra money without having to lift a finger!

In many cases, you’ll find gas stations offering cash back along with your favorite Sushi Restaurant.  Price: FREE

Inbox Dollars

The world of email revolves around spam and occasionally messages from your friends and family.  Still, you probably end up checking your email most days to see if there’s a Golden Ticket to Willy Wonka’s Factory of Chocolate.

Inbox Dollars sends you easy surveys games, shopping and more with chances to earn Free Points which in turn can be swapped out for Gift Cards and even CASH!  Price: FREE


Have you ever bought something and then the next day the price drops on that item?  With the Paribus app, you can get the price difference refund back easily!  Backed by Capital One, the Paribus app will scan for potential items in your email inbox and see if there have been price changes.

Many people have reported price refunds up to $50 each month, and if you shop online this is a must have app! Price:  FREE

Checkout 51

We spend way too much at the grocery store.  Wouldn’t it be nice that someone would reward us for taking trips to the store?

With Checkout 51, you can buy certain products and earn a bit of extra cash back on them.  All you need to do is check out the app, see what products seem worthy of your purchase, and then scan your shopping receipt if you did purchase the item.  You’ll get the advertised cash back within moments!  Price: FREE


Gas prices rise and fall more than a snowboarder.  You can always sign up to a gas stations reward program like MakeItCount (Marathon) to accumulate loyalty points, or you could look into the GetUpside app for money back on specific gas stations.

How it works:  Download the app, find and claim best gas price nearby, pay at the said gas station with a credit or debit card, GET AND SCAN RECEIPT on the App.  You’ll earn money back on the app and then cash out later via check or PayPal.  Pretty neat huh?!  Price: FREE


Travel often?  It’s not rare at all to have your flight delayed hours…and hours…and hours.  Often times when this happens you’ll just end up hanging out at the airport guzzling down Bloody Mary’s at the overpriced airport bar.

Good thing this app will refund you money on your delayed flight!  This app will help you submit a claim and seamlessly get a voucher or refund for your next flight!  Price: Takes a percentage of the refund


Did you know you can make extra cash just by shopping frequently?  With Drop, you can choose up to 5 stores and restaurants where you shop the most and earn extra points whenever you buy or eat something.  It’s as simple as linking your credit card and using that exact card when checking out in-store!

Drop will showcase point redemption options like $5 Gift Cards to Target or Starbucks.  It’s free money!  Price: FREE


Ever thought it would be possible to make money, up to $300 a month, watching movie trailers or playing games?  Sure, you’d have to be sitting on your phone or PC hours on end to accomplish this feat, but it’s possible through the Swagbucks app.  You can also earn points, which are primarily redeemed for PayPal money, through playing games like SwagIQ or filling out easy surveys.

It’s never been easier to earn money, and Swagbucks is the perfect companion to make a little side money for going out!  Price: FREE ($5 Sign Up Bonus)

Trust & Will

Death is inevitable (cue The Mummy music).  With that, you may be leaving family behind and your assets unassigned if you don’t have any sort of will.  I know it’s hard to believe that you should have a Will set up but it’s certainly a selfless act and good for your family.  Trust & Will makes things super easy for you or someone else to do.


Looking for a little side money and you spend a few hours per week shopping?  Combine these two passions with Shopkick!  All you need to do is walk into eligible stores or scan products and you’ll earn Shopkick points.  These points can be redeemed for Amazon Gift Cards and more!

You can also scan in receipts for a few more points to boost your potential for extra gift cards!  Price:  FREE


Have an Android device?  You could be earning points on the S’more app just by allowing the app to place ads on your lock screen.  While you won’t be rolling in cash through this kind of app, it’s one of the easiest ways to accumulate points, which can be redeemed for gift cards.  Gift Cards can then be sold for cash through other various avenues.

If you don’t mind the slight use of resources on your phone, having ads on a lock screen through S’more could produce some easy money!  Price:  FREE


Groceries are such a consistent expense, and that’s why so many people still clip coupons off the Sunday Circular Ads.  With Ibotta, you can earn a few bucks here and there taking pictures of your receipts and matching products on the app.

So basically, you shop, scan your receipt, pick the products found on the Ibotta app, see if there’s an advertised cashback rate for bananas (for example), and you’ll get that deposited into your account.  People often throw out their receipts, but you can turn those receipts into money makers! Price: FREE

Blink Health

The rising cost of health insurance and prescriptions doesn’t seem to end.  Depending on where you live, you may not be able to afford proper medicine since it has the potential to ruin your overall financial outlook.  Blink Health is looking to change all of this by supplying you with a discount card that applies to most major pharmacies in the U.S.

You’ll find generic prescriptions at a fraction of the cost you’d typically see if you are uninsured for specific medicines.  Now they’ve introduced Free Home Delivery, make it even more affordable! Price: FREE Just Pay Cost of Drugs

Arcadia Power

Paying the monthly electric bill can be one of your home’s more substantial expenses.  While this app isn’t a way to save on the bill, you can switch your home’s energy source from standard electric to 50% Wind Energy at no extra cost using the Arcadia Power app.

If you are feeling green, a small charge could net you a 100% Wind Energy household.  While the app is only available in select states, it’s a great way to help our environment!  Price: FREE with 50% Plan


Who doesn’t love to travel?  Prices for hotels, cars, and airfare are sure to change at any given moment, but you still take advantage of deals.  One of the best ways to do this is through Hotwire.  How it works is you can book a trip in a given time slot whether that’s a hotel or airfare and book without knowing the brand name of the carrier (i.e., American Airlines, Hertz, Marriott).

But letting Hotwire find the lowest price without branding attached you’ll save big time.  And yes, you don’t have to sacrifice quality as you can book hotels based on reviews from previous customers!  Price: FREE to Use, Money to Book Travel


App companies often think about ways to become the next “Netflix or UBER of” category.  With ClassPass, you would be joining the Netflix of Gym Classes.  Choose from several local gym classes and come and go as you please.  With a flat monthly fee you get a pass to local fitness classes of your choice, no strings attached.  Price:  FREE TRIAL then Monthly Fee

Mint Mobile

So many people pay huge cell phone contracts when you don’t have to pay that much at all.  Cell Phone re-sellers like Mint Mobile will utilize AT&T cell towards, just like AT&T does but offer their service at a much lower rate.

Many people are suckers when it comes to the latest Apple iPhones and Samsung Galaxy Models, but you can easily find a great phone through a secondhand shop that is recertified.  Don’t save hundreds, save thousands!  Price: $15/mo for three months


We all need to go grocery shopping occasionally.  For many, clipping coupons both on paper and digitally is a chore that takes hours at a time.  Some people will head into a store and check the weekly flyer ad for the latest deals and discounts.

Flipp will organize all of the weekly ads from not only grocery stores but bigger stores like Target and Best Buy.  You can highlight the products you want and even cut coupons digitally!  Price: FREE


Need a new logo but are getting quoted thousands of bucks?  Or maybe you need a quick PDF conversion of a Word document (we thought it was easy, but you never know).  At Fiverr, there’s a marketplace of people willing to do stuff for just $5.

You get what you pay for though, so don’t expect Rembrandt to design your next Pinterest Pin or Ariana Grande to sing your commercial tune.  On the other hand, most Fiverr gigs are pretty consistent and offer an excellent supplement to getting things done.  Price: $5 and up


If you shop or dine at a specific place, there’s a good chance they offer some sort of loyalty program.  Places like Dunkin Donuts offer their Rewards program, and CVS not only prints out books as receipts but they also have their reward program that can save you on each purchase.  Accumulate points and get even more savings along the way.  With the Stocard app, you can easily place your reward cards in one spot so they don’t clutter your leather wallet.  You can even use your Apple Watch for cashiers to scan!  Price: FREE

Target REDCard

For most people, it’s either Target or Walmart when you go out to shop for household essentials.  Sure you can buy online for the most part, even get your groceries delivered, but to save a few bucks and get stuff instantly, you’ll need to venture out to a superstore.  Target has multiple ways of saving including through their popular smartphone app.

With the Target REDCard, you’ll be able to save 5% on every single Target (or Target.com) purchase.  Plus get free shipping when shopping online!  Not bad! Price:  FREE


Want to ask a lawyer a question but don’t want to pay the ridiculous legal fees per hour?  Or maybe you have a plumbing issue that only requires a few moments of feedback.  Luckily, there’s an amazing solution!

JustAnswer costs less than $40 per month and you’ll have access to a variety of lawyers, healthcare workers, and other professionals ready to answer your detailed questions!  With this app, you’ll have your own team of pros handling any question at a fraction of the cost! Price: Per Question and Subscription


Car insurance is one expense that families tend to spend a lot of money on.  For those who don’t spend a lot of time on the road, however, there aren’t many ways to save other than trying to convince a car insurance company like Geico that you only drive several miles a day.  Even then your quote is still likely to be a couple hundred bucks a month.

With Metromile, you pay for insurance only on the mileage you drive.  You hook up a device inside the car’s add-on port and the Metromile service will track your mileage.  This way you make insurance a Pay as You Go type service!  Price: Depends on Location


Love shopping online?  So do we.  The thing is, many people including us tend to go to other coupon sites to see if there’s a coupon before buying anything.  This can turn into a treasure hunt that leads to nowhere.  With expired coupons, or promo codes that simply don’t work this can be a frustrating task.  Honey works through the Chrome browser and will scan a website or e-commerce business you are already on, and apply a working code at checkout automatically!  Price: FREE


Getting insurance the old way involved going into an agent’s office, spending hours at a time going over what may or may not be covered and finally getting a quote.  Lemonade drastically changes this since you’ll be able to text and chat with a Live Agent and receive a quote within minutes.  

With Rental and Home Insurance quotes as little as $5 per month, it’s no wonder this app has been climbing up the iOS and Android app store rankings ever since they got started!  Price: Per Quote


In some places, you don’t need a car.  Owning or leasing a car is a massive expense!  You’ll be paying gas, insurance, and likely a monthly payment.  That’s not factoring in maintenance either.

Maven operates as a car rental service where you can unlock car rentals with an app.  If you try it out, you’ll have access to hundreds of local vehicles, ranging from luxury to economy.  Just pick out a Maven and unlock it through the app!  Pretty neat! Price: Free to Browse, Rental Rates Vary


With a list of subscriptions that seems to grow each month, it’s incredibly easy to lose track of unwanted subscriptions.  One month you may budget for Netflix, the next it’s Hulu.

With Privacy, you can link temporary credit card numbers so that you’ll bill a subscription for an allotted amount of time and not go over your budget.  Set limits, change preferences on which credit or banking account you’d like to use and more.  Think of Privacy.com as a way to pay for subscriptions with a Personalized Prepaid Visa Card Number, this way you protect yourself from potential overdrafts! Price: FREE


Let’s face it…Dogs are much easier to manage than humans.  They like walks, enjoy food, and like to spend quality time with us.  Dogs do require some maintenance though including walks to get their energy out, and also getting fed.

If you like dogs, perhaps you should consider pet sitting and boarding dogs for extra money through the most robust platform out there.  Price:  FREE

UBER (Eats)

With the large clientele and flexible working schedule, UBER and UBER Eats offers good side work opportunity.  It’s super easy to get started, and for the Eats app, you may need a bicycle to get started (depending on location).

A bonus of working with the Eats division is that you won’t have to transport people, but instead, food deliver.  Perfect for introverts!  Price: FREE


Who doesn’t love Payday?!  Who wouldn’t love Payday today?!  That’s what Earnin does.  Since you worked today, why not get paid today!  It’s pretty easy to get started, as they’ll verify your employment information pretty quickly and there are no fees or loans involved.

Earnin’ doesn’t cost a thing, and no, this not any sort of interest-bearing loan or advance of any kind.  Price: FREE


Question:  Can you work full time doing side gigs like UBER right?  Some people try.  With an app like Steady, you can efficiently manage all of your side gigs and hustles through an easy interface.  Think of Steady as a place to find gigs, organize income, and manage to schedule them.

While most gigs like Instacart and UBER are recognizable, the app also shows you some unique opportunity like the TAKL and Wonder apps.  Price: FREE


If you have a second car lying around, there’s a way to turn that into a money-making opportunity.  Turo acts as a car marketplace where fellow neighbors and visitors can rent your car much like you’d do if you went to a car rental service like Hertz.  Instead of renting a lot through Hertz though, you’ll have a massive selection of cars near and far.

All of the cars are backed by Liberty Mutual Insurance, including the one you might want to rent out!  Price: FREE


People often overlook money-making opportunities when it’s right smack dab in their face.  Foap enables pretty much anyone to make money off their pictures.  Since everyone these days is using a smartphone capable of professional photos, a path for extra cash is clear!

Foap is a marketplace for companies to seek out media like pictures for company use on their marketing and advertising material.  As a photographer, you’ll be allowed to take pictures and submit them to the Foap marketplace for companies to use.  Should they end up using a photo or video, you’ll earn money!  Price: FREE


Selling old stuff is a lot of fun…said nobody ever.  Chance are though, that you have stuff lying around that could be sold for a few bucks.  Sure, you could meet someone from craigslist or OfferUp, but when it comes to selling electronics and media (like DVDs) your best bet is Decluttr.

The service makes it easy to sell things like video games, phones, and even LEGO toys.  All you do is sign up, tell them what you have, and you’ll be sent a prepaid shipping label.  Ship the stuff out to your local post office and get money soon thereafter!  Price: FREE


Getting into investing could be an intimidating financial choice.  With the M1Finance app, you’ll find it super easy to get started in stocks no matter if you are a beginner or advanced.  The coolest feature involves investing in portions of unaffordable stocks Amazon and Apple.

Perhaps you don’t know much at all about stocks, and with M1 you can choose handpicked stock portfolios from experts!  Price: FREE


Not too long ago the economy was shattered by incredibly high real estate prices, rending future generations useless in the Real Estate Investing field.  Some may joke that Millennials will never own property in their lifetime, while the generation themselves have been scrappy in finding other places to invest.

Real Estate Investing is less risky than stocks, yet seemingly impossible to get into if you don’t have much money until now!  You can now invest in portions of Real Estate (eREITs) through this app!  You can get started in Real Estate Investing with as little as $500 (which sounds like a lot but isn’t in this investing field).  Price: $500 Minimum

Lending Club

Peer to Peer investing and borrowing has been around for about a decade now, yet people often forgo this solid investing opportunity.  By investing in other people’s loans you not only help someone pay off debt or a project but with a higher return than most portfolios out there, it’s no wonder why many experienced investors dabble in P2P.

Lending Club is one of, if not the largest Peer to Peer Loan Marketplaces around.  Not only can you invest in other’s loans but you can get your own personal loan as well with a decent interest rate. Price: Minimum of $25 Investment


If your workplace offers a 401k or 403b plan, it’s likely that it’s not fully optimized to get you the most bang for your buck.  By allowing an app like blooom to help boost your 401k plan’s potential, you’ll earn way more money in retirement if you don’t!

It’s like having your financial advisor without having to pay boatloads of money for!  Price:  First Month Free, then $10/mo


It wasn’t too long ago that stocks were such a hassle to get into.  The stock market investing world stood on its feet when Robinhood became popular.  Considered by many to be the pioneer of making stocks available for beginners and anyone who wanted access, Robinhood needs simple information for you to trade stocks for Free.

Although there are several competitors out there, Robinhood continues to evolve in this ever-changing world.  Now they accept Free trading with Cryptocurrency, making Robinhood an appropriate one-stop place to trade stocks.  Plus they will also be adding their own banking with 3% interest!  Price: FREE


It turns out that many people we talk to do often not get into stock trading because the companies they want to invest in are way too pricey.  Take Amazon for example.  Their current stock price is over $150o per share.  That means if you’re going to invest in Amazon you’ll need $1500 just for one share!

What StockPile does is make these stocks more affordable by investing in a single portion of a share of Amazon for as little as $5.  Sure it will be a small fraction of what a single piece of stock is, but as the Stock grows, so does that $5!  Now you can invest in multiple companies you want to invest in!  Price: $0.99c per trade (FREE STOCK INCLUDED)


Have the money to invest in real estate but never took the leap yet?  Roofstock is an amazing service where you can find and locate rental properties that fit your budget and have them manage the property for you at a lower cost.


It’s challenging to enter investing when you don’t know much about it, or don’t have that much money to commit to a portfolio.  With the Acorns app, you’ll be able to invest spare change into a stock portfolio.

What this means is that, for example, you fill-up at the gas station and you spend $29.50 filling up.  Acorns will round up the other 0.50 cents to make the purchase $30 even.  By taking these spare change transactions and turning them into investments, it’s a harmless, yet simple way to invest money you never thought possible!  Price: $1/mo


Veterans and Military Personnel are sometimes an overseen group of people that have financial needs as well.  StreetShares makes it easy for any sort of veteran to invest or get a respectable loan.  

Investment wise, there’s a way to earn 5% on Business Bonds that includes former and current military along with small businesses within the United States.  So basically, StreetShares is a great place to invest or get a loan for those who are applicable.


For those who own a home (probably not a millennial), you might want to renovate your kitchen or consolidate debt in some way.  In some cases, your home’s equity is the only asset you might have.  Figure offers loans based on your home’s equity rather than using any other line credit, plus the loan from Figure is Tax Deductible!  Price:  Rate Varies


Cryptocurrency has brought a whole new spectrum of investors to the universe.  With a whole new array of options and potential, it’s no wonder why investing in cryptocurrency is one of the top trends in economics today.

Since the explosion of Bitcoin and other Cryptocurrency, there has been one app that has been consistent in onboarding new investors.  Coinbase is a Free Cryptocurrency Trading Platform that has amazing security and ease of access not only beginner investors but for advanced ones alike.  Price: FREE


If you are raising kids, the inevitable conversation of college will come up even during the infant stage.  It’s something you want to fund, but it’s not always an easy solution.  Enter CollegeBacker.  With it’s easy to use interface and sign up, you and your family will be able to fund your children’s college savings plan (529).

Plus, sign up through our link here and get a $25 match!  Oh yeah, the platform is free, but if you are feeling generous, the company works through tips.  Price:  FREE


Let’s admit it:  We are suckers when it comes to our kids.  Greenlight makes it super easy to manage your child’s finances without being too complicated.  You’ll be able to send allowance, manage savings and, budgets while giving them a widely accepted MasterCard (Debit) that is accessible to 120+ countries.

Sending money through the app keeps your mind at ease!  Price:  $4.99 After 30 Days


Want to get into a savings account but don’t have the time or money management skills to do so correctly?  Qapital is a way to help save for what you want in life, like a beach vacation for example.

The app will stow money away for the vacation, or other goals, and help you easily save to reach the goal.  Price:  $2.99/mo

Rent Reporters

One of the most significant expenses that people are likely to pay each month is Rent.  Rent also is typically just written as a check to a landlord or property manager, and that’s the end of the transaction.  Most people don’t realize that these rent payments can be reported to a credit bureau for reporting.

What this means is that you can increase your credit rating dramatically by doing this!  Rent Reporters will take care of this for you and offers terrific customer service!  By increasing your credit score, you’ll be able to get better rates on mortgages, personal loans, or other financing solutions! Price:  $94.95

Personal Capital

Tracking investments, expenses, budgeting and more can be a genuinely complicated task.  Personal Capital serves as a one-stop dashboard for all of your financial management needs.

Though you are likely to find it useful should you have a higher net worth, those looking to track their net worth even with little money could find this wealth management tool very useful!  Price: FREE


It’s never easy when you need a personal loan.   Some reasons may include debt consolidation of credit cards or need extra money for significant expenses.  Either way, loans do cost money through their various fees and interest rates.

EVEN will help you find the absolute best online personal loan by sending your application to multiple reputable loan companies, and you’ll have the offers come to you!  This way you know which offer works best for you. Price: FREE


It used to be that if you wanted to pay for rent or other expenses with a credit card you’d have to jump through hoops of fire.  We still recommend you be careful paying rent and other higher costs with a credit card, but with Plastiq, everything is super easy.

You can boost your rewards and one time bonuses by using your credit card to pay for big expenses.  Price:  2.5% Fee


When it comes to savings accounts, it’s thought of a place to stash money away and never touch it.  With an app like Digit you’ll be able to save, but for things, you’d want to save for, like a trip to Disney World.  Digit will analyze your spending habits and determine the best ways to save for the vacation that wouldn’t impact your daily and weekly routine.

Because it’s an effortless and painless way to save money, that would’ve otherwise been just sitting around; Digit makes quite the savvy companion!  Price: After Trial, it’s $2.99/mo


Though there a ton of ads on Mint since being acquired by Intuit, it’s still one of the best budget and money trackers ever built!  You can sync up all of your bank accounts, bills, and investments and find out what you should budget for each month.

With a secure dashboard and a wide array of tools readily available without cost, Mint.com certainly makes a solid choice to manage your money!  Price:  FREE


Having a great credit rating (or score) will help when you apply to get a mortgage or apply for a rewarding credit card.  For most people, if you ask them what their credit score is, they’ll pause, and you’ll hear crickets in the background.

Nav offers you a place to attain a Free Credit Score in addition to advice to increase the rating over time.  You can also look into a business credit score too if you have running credit on your business as well!  Price: FREE (Premium Features Available)


Whether you are building credit or have a terrific score, finding a rewarding credit card can be easy or difficult.  Deserve is a newer credit card company that will consider not only a credit score but other factors in order to you to be approved, including a no credit needed Student card!

If you are looking to try out a new card, you can’t go wrong with looking at Deserve!  Price: Zero Annual Fee


Who hasn’t been in a situation when you needed a quick buck to cover gas or some other expense at the time?  Bank overdraft fees are incredibly annoying and costly when they show up on your statement.  You can ask the Dave app to give you an allotted amount of cash during the month to save you from this kind of stress.

It’s a bonus that Dave isn’t like any other advances where you’ll have to jump through hoops to use it.  There are no interest or credit checks to use this app!  Price: $1/mo


Credit Card debt can be a major source of financial stress.  A lot of times when you pay a credit card bill, the balance never seems to go down!  If you have multiple cards and have a tough time paying them down you should take a look at Tally!

Tally will organize your cards and tell you which cards to pay off first, or pay accordingly.  They’ll factor in specific methods on why you should pick a payment so that you’ll avoid higher interest and fees.  They are essentially an automatic debt paying machine!  Price: FREE

Credit Karma

One of the most popular Free Credit Score apps doesn’t just have kick-ass usability, but Credit Karma also has introduced a Free Tax Filing Service!

You can monitor your credit score, file your taxes (w/ Audit Defense) for pretty much nothing and take control of your money easily and for Free!  Price: FREE

You Need a Budget (YNAB)

Budgeting is essential for a person, or family to stay on track of their expenses.  While it’s not fun for a lot of people, it can help achieve goals like saving for your child’s education or funding that beach vacation you always wanted.

YNAB offers one of the best ways to manage your money because you can easily track expenses and bills while being rewarded for saving in the long run.  It’s simple to hook up your current bank accounts and statements too!  Price: FREE for 34 Days, then $6.99/mo

H&R Block

Oh…taxes.  Who loves filing their taxes?! (crickets chirping)  Tax season is one of those periods of time when you get stressed because you have to get your bank statements, business expense reports, and income tax information ready while also dealing with life in itself.

Some apps like TurboTax and TaxAct make it easy to file taxes, yet people often forget that H&R Block also has a similar app while offering in-store advice for those who’d rather speak to a real person.  This comes in handy when you need help!  So having the backup of having an H&R Block location combined with an app to file taxes should be your pocket!  Price:  FREE Federal Tax File

Ladder Life

Often, we think we are immortal and never pass on.  This is a harsh reality.  We can still leave a lasting impression not only in the form of what we do in our lives but financially you can set up Life Insurance to make sure those who matter most to you, will be more secure in the short term.  Life Insurance isn’t a pretty topic, but Ladder Life does the best job we’ve seen making it super simple and easy to sign up to.

It takes about 5 minutes to get a Life Insurance plan, and with fantastic customer support, you’ll get the plan that fits. Price: Depends on Quote


The world of commerce is shifting online and so is banking.  Brick and Mortar banks like Bank of America or Wells Fargo offer staggeringly low Savings interest rates, which makes it almost useless to save money rather than place it through investments that are higher yielding.  Still, having a bank account dedicated to emergency funds and similar preferences makes a Savings account what it is.

CITBank (FDIC Insured) bridges the world of investing and saving by giving out a uniquely high-interest rate for savings at nearly 2.15% annually.  This means if you keep $10,000 in savings you are to get $215 back without lifting a finger.  Because CITBank is all digital, they don’t have to pay for employees and other fees to keep their business from offering these high returns.  Price:  FREE


Although you might not expect PayPal to be much of a great app other than it’s bank-link functionality, there are a ton of features from this major company that goes overlooked.  You can sign up for a Cash Card and withdrawal PayPal money instantly if you sell anything on eBay.  PayPal Credit gives you the opportunity to buy something you may need without interest for several months (widely accepted).

And now PayPal entered the Credit Card game with their 2% Cash Back Credit Card.  Because there are no rotating categories like Chase Freedom offers, the stable 2% Cash Back on all purchases is a nice touch, plus there’s no limit to withdrawal the cashback.  You could earn .10c on a purchase and withdrawal it!  Price:  FREE


Banking between couples can get…a bit stressful at times.  In fact, many marriages end because of financial strain.  With the HoneyFi app, you’ll be able to sync your goals and financial budgeting as a couple and overall, manage your money better.

You can comment on the overspending on Christmas, underspending for your Mother In Law’s Birthday and much more.  Become a happier couple with this financial management app!  Price: FREE

Long Game

Saving is plain boring.  You never know when you need the money and who knows if you’ll ever really use your savings for anything important.  That doesn’t mean we don’t think you should have a Savings Account, but maybe there are ways to make it more fun!

Long Game is a fun app that will enter you into contents for each time you save.  Your money acts like a Savings Account complete with FDIC insurance, but every time you save you enter fun games and contests.  You may even win a lot of money! Price: FREE


People love spending money.  It’s what gets you food, clothing, and sometimes happiness.  But money shouldn’t buy you happiness all the time.  In fact, most of our purchases end up lying around somewhere in the house or apartment taking up unnecessary clutter.

Joy acts a spending Psychiatrist by allowing you to rate Happy or Sad after you buy something.  By allowing you to place your spending emotions somewhere, you’ll spend less and save more over time…if that makes you happy!  Price: FREE


Benjamin Franklin once said: “Rather go to bed without dinner than to rise in debt.”  This remains to be such a true statement these days.  With credit card bills, Student Loans, and other large expenses, Debt is becoming the new norm in this financial world.

On the other hand, if you are Debt Free you release yourself of a ball and chain that is financially and emotionally dragging you down.  With the Qoins app, you can pay down debt by rounding up expenses and spending habits.  For example, you pay $19.50 at the Gas Pump, Qoins will round it up to $20.00 and use the extra $0.50 to pay down your Debt! Price: $1.99/mo


Insurance Shopping isn’t a pleasant experience, but for most households with a car, you’ll need to do it.  Most states require Insurance so shopping around is an essential part of saving in the long run.

Many people don’t realize that you can always switch Insurance plans and policies fairly easily and save a ton of cash.  Gabi will link to your current Insurance Policy (auto) and find out if there are other better ones, with similar coverage, out there!  Price: Free to Find Out Coverage Options


Getting into investments, managing a stock portfolio, tracking expenses and other personal finance tasks is really hard to keep track of, no matter the app selection you use.  That’s why it’s always a good idea to have a Personal Finance Advisor within reach.

WiseBanyan is a Free Personal Finance Advisor (Yes, Free) that leverages top-notch tech to manage your investment portfolios to greater depths.  Price: FREE


Banks are changing fairly drastically due to the latest Financial Technology.  Once, the concept of scanning a check in through an app came around, it was only a matter of time when we’d shift the way we think of traditional banking.

Chime bank is not the first bank to be fully digital, but it is one of the most up and coming banks that offers unique perks and benefits that fit newer innovations of banking.  For example, you can get paid 2 days before payday when you set up Direct Deposit with Chime.  There are also no fees to using the bank, or withdrawing cash from MoneyPass ATMs.  Chime continues to innovate, and that’s why they are here on this list.  Price: FREE


Arguably the field that needs more neat apps is Real Estate.  If you’ve ever done home shopping or selling you’ll know it’s a stressful and extremely time-consuming process.  As a buyer, you want the best house for the money, and as a seller, you want the most money for your home.  But one thing is for sure is that you’ll massive amounts of time shopping and selling.

OpenDoor is an incredible new app that we can see changing the entire Real Estate landscape.  It makes obvious things like House Showings easier to access by using an app.  (As a buyer, it makes sense to just head to a house, see the home for yourself and make an offer, rather than have an Agent show you) Price:  FREE


Insurance is a pain for many families.  For one, it’s an expense no one sees unless there’s some accident.  This deters many people from signing up for insurance.  When something wrong does happen, you better have insurance since we are human after all.

Other Information

With all things tech, there are competitors.  We’ve curated the list so that you understand the best apps out there.  Some apps offer some pretty cool advantages that aren’t listed here.  If you know of any neat money related app, please comment below and we’ll take a look!

Do These Apps Work on Android or iOS?

Yes!  90% of these apps (probably more) will work on iOS, Android, PC, or even Mac devices.  We think these apps are among the best android apps, along with the best Apple iOS apps you can find!

Are These Apps Safe?

We back these apps on a more personal level!  We’ve tried most of them and found them to be risk-free and safe to use.  For some apps, you will be using your personal and other sensitive information that could be hacked in some sort of way down the road.  We don’t think this will happen but if you are ultra-paranoid, perhaps living under a rock best suits you.

Are These Apps Legitimate?

All of the apps we publish on this list (or any list on our site) are fully registered businesses within the US.  Not only that, the banking and budgeting apps may also have FDIC insurance, meaning they’ll be insured up to $250,000 should anything happen to your accounts.  Simply put, we do not publish any sort of scam on this site!

How Does This List Make Money?

By trying out an app, or purchasing an extra service within the apps above will earn us a commission.  Please help support us by trying out these apps!  We believe in them and we will continue to expand the list, along with informative posts at Senior Codes.

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