Being a Certified Financial Planner™ and personal finance geek, my idea of a good time is testing out new personal finance apps.

I get excited finding an app that can help me save, make, or manage money better.

There are 8 such apps I’m currently using and benefitting from right now.

Whether you’re looking for help saving money, making money, or managing your money — here’s 8 apps to try today.

Best Free Money Management Apps

#1) Get a free credit score and credit report analysis

  • Android: Rating: 4.3/5 – ‎22,000+ votes
  • iPhone: 4.5/5 – 14,000+ ratings

Why it’s good: A recent FTC Report estimated 20% of Americans have an error on their credit report. Plus, with it seems like a new data breach in the news every week, it’s possible someone could be trying to open an account with your info. (You can read more about how to prevent identity theft here.)

With the Credit Sesame app, you’re able to view a free TransUnion credit report and get alerts anytime there’s new activity on your report. This way if a “hacker” is trying to open an account, you’re alerted immediately and can take swift action.

Credit Sesame also gives you personalized tips to help improve your score. One study showed the difference of having excellent vs. poor credit saves a typical 35-year old male $274,918 over his life. So, your credit score is something you should be keeping a close eye — if you’re not.


#2) Optimize your 401(k) the easy way

Why it’s good: If you got a 401(k) — you’re ahead of most.

But it’s how you invest in that 401(k) that determines how fast your money grows.

The goal is to find the mix of investments to maximize your return for the least amount of risk. That’s a lot easier said than done, especially when you account for hidden fees.

That’s why Blooom is one of my favorite financial tools.

Blooom gives you an initial 401(k) analysis for free. This way you’ll learn if you’re in the right investments or paying too much in fees.

To get your free analysis, all you have to do is enter your name, birthday, and estimated retirement date. Then, let Blooom link up to your 401(k).

Here’s a screenshot of what my 401(k) analysis looked like:

You can then play with the inputs to see how making changes can impact your goals. For example, you could discover how earlier you could retire by optimizing your investments.


#3) Have a robot save you money

Why it’s good: If you’ve been meaning to…

…call your Internet & cable company to lower your bill

…cancel subscriptions you don’t use anymore

…or, if you like little surprises once in a while that you saved money

You’ll love Trim Financial Manager.

All you do is sign up and connect an account, and then their robot will text message you ways you can save.

For some of these tasks, Trim’s robot assistant will handle the whole transaction, e.g. negotiating your bill or cancelling a subscription. The average person saves $30 per bill.

Also, if you have any outages, Trim can get you a credit. Here’s a message I recently received:

Trim Saving Apps

Trim Logo

Sign-up with Trim and Start Saving Today


#4) The modern way to track and manage your money

  • Android: 4.2/5 – ‎2,700+ votes
  • iPhone: 4.5/5 – 12,000+ ratings

Why it’s good: Out of all the apps on this list — I use Personal Capital the most.

Personal Capital is the app I use to track and manage my financial life.

A few of the features I find helpful:

  • Cash Flow – This is where I track my weekly, monthly and yearly income and spending. This gives me clarity into where my money is going, so I can adjust if necessary.
  • Net Worth Tracker – I’ve found it helpful to track my net worth overtime. This keeps me out of focusing on small things — such as daily market volatility — to focus on the big picture.
  • Retirement Planner – My goal is to become financial independent by 40. Personal Capital’s Retirement Planner helps me track and manage this goal. This way I know exactly where I stand at all times relative to this goal.


#5) Get cash back on in-store purchases

Android: 4.5/5 – ‎278,000+ votes
iPhone: 4.5/5 – 61,000+ Ratings

Why it’s good: Ibotta gives you cash back for taking a picture of your receipts.

Here’s how it works….

  • Download the app (you just need a name and email to start)
  • Browse your preferred store to see what offers are eligible for cash back. For example, currently iBotta is offering $1 cash back for Cholula Hot Sauce at Costco. There’s also “any brand” offers, which allow you to redeem any brand of a certain product, e.g. milk, yogurt, etc…
  • Once you’ve made the purchase, take a picture of the receipt
  • Then, once you accumulate $20, you can withdraw your earnings via PayPal or Venmo

Right now, iBotta is giving new users a $10 sign up bonus.

Also, you can use a receipt that’s up to a week old. So, if you have a recent receipt on hand, download the app and see how much you can earn.


Signup for iBotta and claim your first receipt to earn $10


#6) Get cash back for online purchases

Android: 4.5/5 – ‎35,400+ votes
iPhone: 4.5/5 – 15,100+ Ratings

Why it’s good: Since I shop online, I use Rakuten to earn cash back on my online purchases. You can earn up to 20% at some stores, though average earnings are closer to 4 to 5%.

All you do is start your search at Rakuten. Then, once you find what you’re looking for, click the “Shop Now” link and proceed as normal.

As I do a lot of shopping on Amazon, I find the extra few seconds it takes to use Rakuten worthwhile. There’s then 2,000+ other stores to choose from.

Right now there’s two options for welcome bonus:

  • A $10 gift card to Walmart
  • $10 Rakuten cash bonus

Rakuten Logo

Sign up for Rakuten to start earning cash back


#7) Earn cash rewards at your favorite brands

Android: 3.7/5 – 1,800+ votes
iPhone: 4.6/5 – 4,900+ Ratings

Why it’s good: If you like earning gift cards for little to no work, you’ll love Drop Rewards.

All you do is sign up, then link your credit and debit cards. Next, you pick two stores to earn points from automatically every time you shop. Some of the more popular choices include Starbucks, Costco, Amazon, Safeway, Uber, and Trader Joes, although options change on a regular basis.

You can also earn big-time points for shopping at other stores. For example, you’ll get 100 points per dollar spent on Postmates deliveries, which is like earning 10% cash back.

A few other great offers are: 

  • Sephora – 60 points per dollar spent (6% cash back)
  • Expedia – 40 points per dollar spent (4% cash back)
  • Lululemon – 40 points per dollar spent (4% cash back)
  • Dollar Shave Club – $10 one-time offer when singing up
  • There are many other major retailers on the platform

It may not seem like much at first, but it can really add up if you use the service consistently over the course of a full year. Say you spend $7,500 on groceries at Trader’s Joe’s, which pays 1.2% cash back; that’ll score you a $90 gift card. 

Drop Rewards

Get cash rewards for your everyday purchases


#8) Get money back on price drops you didn’t even know about

Why it’s good: Online retailers change their prices constantly. Prices may go up. They may go down.

It’s hard to know when to actually buy something.

Paribus will watch your purchases for price drops, then helps you file a price adjustment claim. lf. It takes about 15 seconds to sign up. Then, the software will automatically alert you when there’s a chance to save. 



*Paribus compensates us when you sign up for Paribus using the links we provided.



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