NerdWallet App: Track Your Budget & Credit Score - NerdWallet (2024)

NerdWallet App: Track Your Budget & Credit Score - NerdWallet (1)

Your Net Worth

See how your spending, savings, investments, and equity add up. Explore net worth feature

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Your Cash Flow

All your spending from all your accounts — all at a glance. How cash flow works

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Your Credit Score

Check your score anytime, and get alerts when we see a change.Read on: credit score

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Your Home Value

Keep track of your home equity and know when to refinance.See how it works

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Your Credit Report

Monitor your credit report, and start a dispute if something’s off.Our credit report feature

Ready for the mobile app?

Click to scan a QR code with your mobile device.

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Frequently asked questions about NerdWallet

Do I need to sign up to use NerdWallet?

Anyone can access NerdWallet’s articles, money management advice, andcalculators. However, the only way to get the full benefit of NerdWallet is tocreate a free accountand connect all your finances. That lets us give you the most personalized and relevant insights to build your credit and grow your money.

Why does NerdWallet require me to connect my credit score and bank account when I sign up?

Linking your TransUnion® credit profile, bank accounts, credit cards, and loans allows the Nerds give you the most relevant personalized insights based on your unique financial position. However, general guidance is still available without an account on NerdWallet.com.

Is NerdWallet safe? Secure?

We have several measures in place to keep your personal data personal. Your data is encrypted for enhanced protection, and every account you link is protected by a secure, third-party connection service.

Does NerdWallet hurt your credit score?

Nope! Checking your own credit on NerdWallet will not affect your score at all. You can even access your full credit report to monitor it as often as you’d like.

Is NerdWallet accurate?

The accuracy of the information displayed is entirely dependent on the accounts you link with NerdWallet. To see the most accurate information, connect all of your bank accounts, credit cards, loans, and your home value, where applicable.

Is NerdWallet free? How does NerdWallet make money?

NerdWallet is entirely free for our account holders. So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.

Have a question you don’t see here? Check out our NerdWallet community forum.

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NerdWallet App: Track Your Budget & Credit Score - NerdWallet (8)

NerdWallet App: Track Your Budget & Credit Score - NerdWallet (2024)

FAQs

Is the NerdWallet budget app free? ›

NerdWallet is entirely free for our account holders. So how do we make money? Our partners compensate us.

What is the 50 20 30 rule? ›

Key Takeaways. The 50/30/20 budget rule states that you should spend up to 50% of your after-tax income on needs and obligations that you must have or must do. The remaining half should be split between savings and debt repayment (20%) and everything else that you might want (30%).

Does NerdWallet help with budgeting? ›

NerdWallet shows you how much you're spending on things like food, bills, travel and more so you can create a budget that works for you. Plus, we'll show you ways to save big.

Does NerdWallet affect your credit score? ›

Checking your credit score on NerdWallet only prompts a soft inquiry on your credit report - not a hard inquiry - and will never impact your score in any way, no matter how often you check it. This article includes more detail about this: Does Checking My Credit Score Lower It?

Is it safe to give NerdWallet my SSN? ›

We use industry-standard security controls, such as cryptography, to protect your personally identifying information. And our partners TransUnion and Plaid do the same.

Is it safe to link my bank account to NerdWallet? ›

NerdWallet does not sell your account information to third parties, nor do NerdWallet employees have the ability to see or access your account details.

How much savings should I have at 50? ›

By the time you reach your 40s, you'll want to have around three times your annual salary saved for retirement. By age 50, you'll want to have around six times your salary saved. If you're behind on saving in your 40s and 50s, aim to pay down your debt to free up funds each month.

How much of your income should you save every month? ›

At least 20% of your income should go towards savings. Meanwhile, another 50% (maximum) should go toward necessities, while 30% goes toward discretionary items.

Is NerdWallet or credit karma better? ›

Consider whether your primary concern is tracking your finances or managing your credit score. Credit Karma is likely the best option for you if your primary concern is managing or improving your credit score. If your primary concern is budgeting and finance tracking, NerdWallet is likely the better choice.

Do you have to pay to use NerdWallet? ›

Becoming a registered user of NerdWallet is free and gives you a dashboard displaying your finances. You can get a TransUnion credit score and link financial accounts to track cash flow and net worth. There's also a free app you can download for easy access anytime.

What is a bad FICO score? ›

On the FICO® Score 8 scale of 300 to 850, one of the credit scores lenders most frequently use, a bad credit score is one below 670. More specifically, a score between 580 and 669 is considered fair, and one between 300 and 579 is poor.

What habit lowers your credit score? ›

Having Your Credit Limit Lowered

Recurring late or missed payments, excessive credit utilization or not using a credit card for a long time could prompt your credit card company to lower your credit limit. This may hurt your credit score by increasing your credit utilization.

What pushes up your credit score? ›

Paying your bills on time is the most important thing you can do to help raise your score. FICO and VantageScore, which are two of the main credit card scoring models, both view payment history as the most influential factor when determining a person's credit score.

Is there a completely free budget app? ›

Available for iOS and Android users, the Mint budget app allows you to link up your bank accounts and monthly bills to create a budget, and it suggests ways to save based on your spending habits. It also notifies you if your spending seems unusual, which can help you curb your vices and even detect identity theft.

Does you need a budget app cost money? ›

You Need a Budget is a paid budgeting app. You'll need to pay $14.99 monthly or $99 annually to use this tool. However, a 34-day free trial is available. The free trial allows you to test all the YNAB budgeting features before investing in a paid subscription.

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