The free NerdWallet app does the work for you, tracking your budget, finances, and credit — all in one place. We’ll show you your financial accounts in one central location, monitor your spending, credit score, and net worth, and research thousands of financial products for you. Plus, get nerdy tips to help you manage your finances and work toward your goals.

We’ll monitor your cash flow by:
• Tracking your spending across multiple cards
• Helping you budget smarter with our 50/30/20 breakdown
• Tracking your bills and expenses
• Showing you ways to cut back or save
• Comparing your spending month-to-month
• Highlighting your top spending categories for easier budgeting
• Tracking your auto and property insurance policies

We’ll monitor your credit by:
• Giving you access to your credit score and credit report any time
• Sending you credit score change notifications
• Explaining the factors that affect your score
• Giving you recommendations for building your score — like lowering your credit utilization, paying your bills earlier, and more

We’ll monitor your net worth by:
• Showing how your income, debts, investments, and home value all add up
• Tracking your net worth and individual accounts over time

We’ll keep you informed by:
• Bringing you the latest relevant financial news — right in the app
• Breaking down complex topics into clear and actionable insights
• Alerting you of breaking news that could impact your finances

We’ll help you make smart decisions by:
• Researching credit cards, savings accounts, loans and more so it’s easy to find the best ones for you
• Providing access to powerful investment accounts through Atomic including:
- A Treasury account that lets you save more. Take advantage of current rates and earn a competitive yield with no state income taxes through an automated ladder of US T-Bills.
- Automated portfolios that make it easier to invest your way through direct indexing and lower your tax bill through tax-loss harvesting.

Why become a NerdWallet+ member for $49/year?
• Get exclusive reduced investment management fees on the Atomic Treasury account
• Get exclusive reduced investment management fees on the Atomic automated portfolios
• Get access to NerdWallet+ Insurance Management Tool
• Earn up to $599/year in cash rewards*

NW privacy policy: https://www.nerdwallet.com/p/privacy-policy

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

N+ terms of service: https://www.nerdwallet.com/lp/nerdwallet-plus/terms-of-service

Disclosures:
* The total combined maximum rewards amount is $599, which may change without notice. Rewards may be subject to different terms, and additional qualifying actions may be required. See the full terms for details.

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 see the Form CRS, Form ADV Part 2A and Privacy Policy. For more details about Atomic Brokerage, please see the Form CRS and General Disclosures. You can check the background of Atomic Brokerage on FINRA’s BrokerCheck.

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.