NerdWallet: Smart Money App v14.10.0

NerdWallet

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About this app

The NerdWallet: Smart Money App solves the problem of financial management by providing a comprehensive platform for tracking, saving, and investing, making it an ideal solution for individuals seeking to organize their financial lives. This app benefits most those who are looking for a user-friendly and feature-rich financial management tool, and it stands out from alternatives in the Finance category due to its high user rating and large download base. Compared to other finance apps, NerdWallet's lack of ads and in-app purchases is a significant advantage, enhancing the user experience. However, its limited functionality in certain areas, such as investment tracking, might make it less appealing to advanced users.

Pros

With over 1,000,000 downloads and a 4.3/5 user rating, NerdWallet: Smart Money App has demonstrated its reliability and effectiveness in helping users manage their finances, indicating a high level of social proof and user satisfaction.
The app's free model, devoid of ads and in-app purchases, ensures an uninterrupted and user-centric experience, which is a significant advantage over many other finance apps that often rely on aggressive monetization strategies.
NerdWallet's developer has a strong reputation, as evidenced by the comprehensive website and dedicated support email, suggesting a commitment to user support and continuous improvement.
The app's requirement of zero permissions is a notable pro, as it alleviates concerns about data privacy and security, making it an attractive option for users who value their personal data.
Regular updates, as indicated by the version number, suggest that the developer is actively engaged in improving and expanding the app's features, which is crucial for maintaining user engagement and adapting to changing financial landscapes.

Cons

One concern is the app's limited functionality in advanced investment tracking, which might not cater to the needs of more sophisticated investors who require detailed analytics and diverse investment options.
Although the app has a high user rating, some users might find the interface or certain features less intuitive, which could lead to a learning curve and potentially deter less tech-savvy individuals.
The lack of offline capability could be a drawback for users who frequently find themselves without internet access, as it would prevent them from accessing their financial data and making updates.
There is a potential concern regarding the app's ability to keep up with the evolving financial market and user needs, as the absence of in-app purchases or subscriptions might limit the developer's revenue streams for significant updates or expansions.

Best for: The ideal user for NerdWallet: Smart Money App is an individual, likely between the ages of 25 and 50, who is seeking a straightforward, user-friendly platform to manage their finances, track investments, and set savings goals, and who values a clutter-free, ad-free experience, suggesting a moderate to high level of technical proficiency and a strong desire for financial organization and planning.

Developer Description

Track, Save & Invest

The free NerdWallet app makes it easy for you to track, save, and invest your money.

TRACK
Our Net Worth dashboard lets you track your cash, investments, and more. We’ll provide you with insights about your credit score and cash flow.

EARN A COMPETITIVE APY
We’ve partnered with Atomic Brokerage to give you access to a Cash Account. Enjoy a competitive APY and no account fees or balance minimums.

BUILD
We’ve partnered with Atomic Invest to give you access to their Treasury Account to invest in U.S. Treasury Bills.

INVEST
We’ll give you access to Atomic Invest’s Automated Investing Account to put your investing on autopilot.

LEARN
We’ll help you connect what’s happening in the news, the markets, and the economy to your finances.

SHOP
We’ll show you financial products and provide access to the Nerds' ratings and reviews.

Disclosures:
NerdWallet privacy policy: https://www.nerdwallet.com/p/privacy-policy

NerdWallet terms:
https://www.nerdwallet.com/p/terms-of-use

Paid Non-Client Promotion for the Treasury Account and Automated Investing Account: NerdWallet has engaged Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser, to bring you the opportunity to open an investment advisory account with Atomic. NerdWallet receives compensation of 0% to 0.85% of assets under management annualized, payable monthly, for each referred client who opens an Atomic account and a percentage of free cash interest earned by clients, which creates a conflict of interest.

Brokerage services for Atomic are provided by Atomic Brokerage LLC, a registered broker-dealer and member of FINRA and SIPC and an affiliate of Atomic, which creates a conflict of interest. For more details about Atomic, please go to https://www.atomicvest.com/atomicinvest. For more details about Atomic Brokerage, please go to https://www.atomicvest.com/atomicbrokerage. You can check the background of Atomic Brokerage on FINRA’s BrokerCheck at https://brokercheck.finra.org/.

Paid Non-Client Promotion for the Cash Account: You can open a Cash Account offered by Atomic Brokerage LLC which allows you to earn interest on your cash through a cash sweep program. See important Cash Account disclosures at https://www.atomicvest.com/legal/disclosures/7d9c31dd-bf97-46ae-9803-1774b97187af. Atomic Brokerage shares fees from the cash sweep program banks with NerdWallet for each referred client who opens a Cash Account, which creates a conflict of interest.

Neither Atomic Invest nor Atomic Brokerage, nor any of their affiliates is a bank. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged.

Personal Loans Interest Rates and Fees: You can view personal loan offers on NerdWallet's loans marketplace. These are from third party advertisers from which NerdWallet may receive compensation. NerdWallet displays personal loans with rates that range from 4.60% to 35.99% APR with terms from 1 to 7 years. Rates are controlled by third party advertisers and are subject to change without notice. Depending on the lender, other fees may apply (such as origination fees or late payment fees). You can view any particular offer's terms and conditions for more information within the marketplace. All loan offers on NerdWallet require application and approval by the lender. You may not qualify for a personal loan at all or may not qualify for the lowest rate or highest offer displayed.

Representative Repayment Example: A borrower receives a personal loan of $10,000 with a term of 36 months and an APR of 17.59% (which includes a 13.94% yearly interest rate and a 5% one-time origination fee). They would receive $9,500 in their account and would have a required monthly payment of $341.48. Over the lifetime of their loan, their payments would total $12,293.46.

Privacy

Given that NerdWallet: Smart Money App requires zero permissions, the risk of data leakage or unauthorized access is significantly minimized, making it a secure choice for financial management. However, users should still be cautious with their login credentials and ensure they are using the app over a secure internet connection. It's also advisable to regularly review the app's terms of service and privacy policy to stay informed about any changes.

Tips

To get the most out of NerdWallet: Smart Money App, users should start by thoroughly setting up their financial accounts and investments within the app, ensuring all data is accurately synced. Regularly reviewing and updating financial goals and budgets within the app can also help in maintaining a clear financial overview. Additionally, exploring all features, including investment tracking and savings tools, can enhance the user experience and financial literacy.

What's New

The usual bug fixes and nerdy updates

Version Information

Version: 14.10.0
Downloads: 1M+
Updated on: Dec 15, 2025
Released: Dec 2, 2016
Requires: Android 8.0

Statistics

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NerdWallet: Smart Money App users say on Google Play

★★★★★

Elizabeth Robinson

I still find it really odd to maintain categorizes when the 50/30/20 tool is retired. however with the newest layout, with cash flow given it's own tab, the app is back to being useful for monitoring your regular spending as opposed to just your overall financial outlook.

★★★★

Jim Watkins

Update: appears resolved. Gave another star for customer service. Appears this is a Plaid issue, not a NerdWallet issue. They use Plaid to link accounts. The app says my accounts are up to date, but deposits made a week earlier still not showing up. This has been a consistent issue that forces you to unlink and re-link your account(s).

★★★

Allison Babka

Nerdwallet has great data tracking and useful articles. I'd been a longtime reader of the web version and picked up the app several years ago. It's all been helpful, but the past year or so of app updates have kind of diminished the former usefulness. Moreover, it's a pain to even get into the app now. What's the point of setting up fingerprint entry when the app just kicks me out to the website and makes me use a password AND a phone code? This alone has made me rely on the app way less.

★★

Cameron Johnson

The app itself is pretty, but ultimately it's all a facade. It doesn't do anything useful. It pushes promotions and deals at you that don't actually make good financial sense. They must get some sort of affiliate deal with banks and creditors. Linking your banks and card information doesn't help either because it doesn't understand the nuances behind accounts. And it just recognizes data you can find elsewhere easier. Ives used NerdWallet since 2022, it's now 9/8/25 and I just uninstalled.

★

Ron Blount

Garbage. literally no different than any other credit karma clone. 100,000 advertisements for financial vehicles shoved in your face. they deleted their budgeting portion of the app. after mint was eaten by credit karma, I figured there were free competitors but it seems like there are none. All of them want your data and all of them want to sell you things and none of them have a basic budget app. almost tempted to go back to spreadsheets. shame on these companies.