Last Updated: April 2, 2025
Whether you are budgeting smarter, boosting your credit, or growing your savings, the right tools can make a huge difference.
We rounded up 12 apps and platforms to help you manage your money without the stress. These aren’t gimmicks or time-wasters — just solid, user-friendly tools designed to help you build a stronger financial future. Some offer ways to grow your savings on autopilot. Others make paying down debt or keeping tabs on your credit score easier. The best part? Most of them are totally free to try.
Scroll through these, and maybe you will find the perfect fit for your goals
This post contains affiliate links, and purchases may generate a small commission that helps support our team at no additional cost to you.
💸 Build your savings faster with a high-yield account
A lot of banks pay terrible interest on savings. But Raisin helps you break up with low-yield accounts and earn way more — without switching banks every few months.
Raisin is a digital marketplace that partners with banks and credit unions to offer exclusive, high-interest rates on savings accounts and CDs. When you open an account through Raisin (instead of going directly to the bank), you unlock top-tier rates in one easy-to-manage dashboard.
No new bank logins. No juggling apps. Just better savings, faster.
Your deposits are always FDIC or NCUA-insured, and there are no fees for using Raisin.
👉 Compare today’s highest savings rates with Raisin
📈 Fix your credit score (without calling the credit bureaus)
If your credit score isn’t where you want it to be, Dovly might be the easiest way to fix it.
This AI-powered credit engine works 24/7 to help you monitor, rebuild, and protect your credit. It can automatically dispute errors on your credit report (yes, even those mysterious ones you don’t recognize), and gives you step-by-step tips for improving your score.
Dovly users see an average score increase of 50+ points in their first six months—and they have over 20,000 five-star reviews to back it up.
No credit repair scams. Just a smart, easy app that helps you take back control.
👉 See how much Dovly can boost your score
🏦 Get serious about saving for college (in 5 minutes)
College is expensive. But saving for it doesn’t have to be stressful. Backer makes it super simple for parents to open a 529 College Savings Plan (and get family and friends to chip in, too).
You can set up your account in just 5 minutes, and Backer helps you grow your savings tax-free. Even better, they make it easy to invite your circle to contribute — like for birthdays or holidays — with gift links that go straight to your child’s college fund.
On average, Backer families save 2x more than those who go it alone. That’s a big deal when tuitions are due.
👉 Start a free 529 college fund with Backer
🧠 This all-in-one app keeps your finances (and credit) in check
If you’re tired of juggling a million money apps, Refresh.me might be the simple solution you’ve been looking for.
It’s a personal finance platform that offers a little bit of everything: credit reports from all three bureaus, daily credit monitoring, budgeting tools, ID theft alerts, privacy protection, and more—all in one place.
No more guessing where your money went or whether your credit took a hit. Refresh.me gives you a complete financial snapshot daily, plus tools to help you avoid fraud, overspending, or late payments.
👉 Try Refresh.me and get a full view of your financial health
📊 Start investing — even if you don’t have much money
Want to invest but not sure where to begin? Acorns makes it super easy to get started — even if you only have a few extra bucks.
With Acorns, your spare change gets automatically invested into a diversified portfolio. So when you grab a coffee or fill up your gas tank, those tiny round-ups go toward your future. It’s low-effort investing that adds up over time.
Over 3 million people use Acorns to build long-term wealth without being stock market experts. And if you want to level up, Acorns also offers retirement accounts, kids’ investment options, and cashback on certain purchases.
👉 Start investing your spare change with Acorns
🧾 File your taxes without the stress (or the high fees)
Tax season doesn’t have to mean overpriced software or confusing forms. TaxSlayer offers a super affordable way to file federal and state taxes online — millions of filers trust it.
Whether you’re a side hustler, self-employed, or just filing a straightforward return, TaxSlayer’s tools walk you through everything step-by-step. You’ll get all the deductions you qualify for, and if you ever need help, their support team is ready to back you up.
Over 10 million people used TaxSlayer to file in a single year, and it’s one of the most cost-effective options available.
👉 File smarter and save more with TaxSlayer
🎯 Refinance student loans and stop overpaying on interest
You could leave money on the table if you’re still carrying student loans. LendKey connects you with a network of nonprofit lenders who often offer lower rates than big banks.
It’s a matchmaking service for refinancing — you compare your options side-by-side and choose the best fit. Many borrowers save thousands over the life of their loan, and there’s no origination fee to worry about.
LendKey’s platform is easy to use, and you can check your rate in minutes without impacting your credit score.
👉 See how much you could save with LendKey
📉 Keep tabs on your investments like a pro (without the Wall Street price tag)
If you’re already investing — or just getting started — StockMarketEye is a powerful tool for keeping everything organized.
It lets you track your portfolios, monitor stock performance, and even build watchlists for companies you’re eyeing. You can view clean, customizable charts and get real-time updates, all in one easy-to-use dashboard.
It’s a great fit for everyday investors who want more clarity without the complexity of pro-trading software. Plus, there’s a free trial to test it before committing.
👉 Track your investments with StockMarketEye
💳 Monitor your credit (and more) at zero cost
Credit Karma has been around for a while — and for good reason. It’s one of the easiest, most reliable ways to stay on top of your credit score and financial health.
The app gives you free access to your credit reports, personalized tips to improve your score, and even recommendations for credit cards or loans that match your profile. And yes, it’s free.
With millions of users and a clean, intuitive interface, Credit Karma is a no-brainer if you want to take control of your credit.
👉 Check your credit score for free with Credit Karma
🏦 Budget smarter and avoid overdrafts with this all-in-one tool
Vola might be your new favorite app if you’ve ever been hit with an overdraft fee. It’s a subscription-based budgeting tool that offers cash advances of up to $500 — no credit check required.
Vola also helps you track spending, avoid fees, and manage your loan payments. As a bonus, using it regularly could help build your credit score over time.
It’s a great option for anyone living paycheck to paycheck or looking for a little extra cushion to stay on track.
👉 Try Vola and skip the stress of overdraft fees
🎮 Make extra cash doing simple online tasks (really)
If you’re scrolling TikTok anyway, you might as well make a few bucks while at it. Freecash is a gamified platform where users earn real money by doing quick, simple tasks — like answering surveys or testing apps.
You can cash out instantly through PayPal, crypto, or gift cards. Some users have made up to $1,000+, but even smaller payouts can add up fast when you’re consistent.
Freecash has over 11 million users and over 50,000 five-star reviews on Trustpilot — so it’s legit.
👉 Sign up for Freecash and start earning today
🌎 Send money abroad — fast, easy, and built for immigrants
Need to send money back home? Remitly makes international transfers quick, secure, and way more affordable than traditional wire services.
It was built specifically for immigrants sending money to loved ones — so it prioritizes things like low fees, great exchange rates, and fast delivery times. You can send to over 100 countries with just a few taps in the app.
Remitly is trusted by millions and has a strong reputation for customer service and reliability.