The Only Budgeting App You'll Ever Need
The Only Budgeting App You'll Ever Need
- WalletHub Credit Account†
- Credit Builder
- Budgeting (with auto-sync)
- Spending Tracker (with auto-sync)
- Transaction Alerts
- Subscription Manager
- Portfolio Tracker (with auto-sync)
- Savings Goals (with auto-sync)
- Net Worth (with auto-sync)
- Investment Monitoring (with auto-sync)
- Spending Trimmer
- Budgeting Reports
- Spending Alerts
- Merchant Directory
- Credit Scores
- Credit Score Goals
- Debt Payoff Goals
- TransUnion Credit Lock (with alerts and scheduling)
- Full Credit Reports
- Daily Updates to Scores & Reports
- WalletScore
- $1,000,000 Identity Theft Insurance
- Identity Theft Restoration
- Dark Web Monitoring
- AI-enhanced Transactions
- Cash Flow
- Custom Dashboards
- Payment Validator
- Account Sharing
- Financial Timeline
- Credit Analysis
- Why My Credit Score Changed
- Credit-Improvement Plan
- Debt Payoff Plan
- Savings Opportunities
- Credit Score Simulator
- Credit Report Monitoring
- Enhanced Credit Report Insights
- Automatic Financial Account Sync
- Transaction Importer
- Share Transactions
- Real-Time Credit Inquiry Alerts
- Interactive Alerts
- Change of Address Alerts
- Password Monitoring
- Social Security Number Trace Alerts
- SMS for Urgent Alerts
- Auto Insurance Score
- Enhanced Loan Monitoring
- Lost Wallet Assistance
- USPS Address Monitoring
Here’s how WalletHub stands out
People choose WalletHub over any other app because they not only get all the budgeting features they will ever need at a low cost, but they also get industry-leading credit improvement and identity protection features.
The WalletHub app lets you automatically sync your bank accounts and credit cards, create a personalized budget tailored to your habits, get spending insights that can help save money, get automatic notifications for suspicious spending activity, and more. You’ll also have access to an intuitive debt payoff plan and unique features like a transaction validator that accounts for every dollar spent, including tips, ensuring you stay on top of your financial goals.
Overall, WalletHub is a one-stop shop for managing and improving your finances. You can get daily updates to your credit score and report, 24/7 credit monitoring, dark web monitoring, net-worth tracking, $1 million in identity theft insurance, identity restoration services, and the WalletScore that tracks your overall financial health. You can also get help finding the best credit card, loan, insurance, etc.
WalletHub makes it easy to create a budget that will work for you. You can take a simple, high-level approach and only budget for your overall income and expenses, if you want to. You could also take a very detailed approach and budget at the sub-category level.
In addition, WalletHub offers a unique collection of perks designed to improve your budgeting experience and lead to better results. Some examples of budgeting features include:
- Spending tracker
- Choose between five popular budgeting methods
- Net Worth
- Transaction Importer
- Transaction Alerts
- Subscription Manager
- Savings Goals
- Automatic Financial Account Sync
- AI-enhanced Transactions
- Transaction Validator
- Account Sharing
WalletHub allows you to choose between five different budgeting methods:
- Simple Budgeting - Only budget for total income and expenses.
- Pay Yourself First - Prioritize saving for the future.
- Envelope Budgeting - Budget at the category level.
- Micro-envelope Budgeting - Budget at the sub-category level.
- 50/30/20 Budget - Budget 50% for must-haves, 30% for nice-to-haves, and 20% for savings.
In other words, you can make your WalletHub budget as simple or in-depth as you want it to be. It’s your budget, after all.
WalletHub’s subscription manager makes it easy to see what recurring expenses you’re signed up for and then cancel any subscriptions you don’t want or use. Identifying and eliminating wasteful spending is an important part of budgeting, and we’re happy to help you save!
WalletHub helps you plan for savings goals by making room in your budget and encouraging you to stay on track. You can set a variety of different goals on WalletHub, from building an emergency fund to buying a house, and you can choose how much to save per month or over a longer period of time. You can even assign a bank account to each goal. Once you set your goals, they’re incorporated into your overall budget.
The most important things to consider when choosing a budgeting app are the cost, the features the app provides (including non-budgeting features), security, and reviews. You want an app that is safe, well thought of, and a good value. We’re obviously biased, but that sure does sound like a description of WalletHub.
† IMPORTANT DISCLOSURES
You acknowledge and agree that you have carefully reviewed the services described above and agree to purchase them for the price listed. The services described above may vary from the services described elsewhere. WalletHub is a financial technology company, not a bank.
Identity Theft Insurance Disclosures
WalletHub does not make any representations or offer any guarantees on its ability to prevent all cybercrime or identity theft. Monitoring services do not cover all relevant transactions at all businesses, institutions or jurisdictions.
If your paid Services includes Identity Theft Insurance;
- For residents of states other than the State of New York, the expense reimbursement insurance benefit for members is underwritten by certain underwriters at Lloyd’s, under a master group policy issued in the name of Sontiq, Inc. and all subsidiaries for the benefit of members. Claims will be reviewed by the insurer in accordance with the terms and conditions of the master group policy. A summary of the terms of coverage and other policy information is available here. The complete policy is available upon request.
- For residents of the State of New York, the Master Policies of Personal Internet Identity Coverage have been issued to: TransUnion (the "Master Policy Holder"), under Policy Numbers: 7077495 and 16452600 respectively underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. A summary of the terms of coverage and other policy information is available here. The complete policy is available upon request.
WalletHub Credit Account & Credit Builder Disclosures
WalletHub is NOT a credit repair service and does not remove negative credit history from your credit profile. A WalletHub Premium plan is required to access the WalletHub Credit Account and Credit Builder features. Utilizing WalletHub’s Credit Builder or Credit Account is optional and does not guarantee an improved credit score.
Not all bills or payments are eligible for Credit Builder. The impact on your credit score may vary. WalletHub Credit Builder currently reports eligible payments (i.e. rent, phone, electric, gas, and water bills) to TransUnion for inclusion in your credit file.
WalletHub Credit Account applicants must be at least 18 years old and a citizen of the United States or permanent resident with a valid social security number. Subject to approval & identity verification. Available only to residents of the following states: AL, AK, AZ, AR, CO, CT, DE, FL, ID, IL, KS, KY, ME, MA, MN, NE, NV, NJ, NY, NC, ND, OK, PA, PR, SC, TN, TX, UT, VT, VA, WA, WV, WI, WY. Additional account terms apply.
* The average first-month credit score impact of +34 points is based on simulations of adding a WalletHub Credit Account to a random sample of WalletHub members’ credit reports and assuming no other material changes to their credit reports. Individual results may vary. Use of the WalletHub Credit Account does not guarantee that your credit score will improve. Credit score impact is dependent on your specific circumstances and a variety of factors, including your financial behavior. Failure to make minimum payments on time may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. The WalletHub Credit Account is intended exclusively for WalletHub-related purchases.
Other Disclosures
The credit score shown on WalletHub is based on your TransUnion credit report as well as the VantageScore 3.0 model, and it may differ from what your lender or insurer uses.
If you cancel your paid Services that include TransUnion Credit Lock as a benefit, you will cease receiving Credit Lock upon expiration of your then-current subscription and your locked TransUnion credit report will be unlocked.
Some services may not be available on all jurisdictions.