Planswell
Planswell provides a free, web-based financial planning engine that delivers personalized retirement, debt, investment, and insurance strategies in about three minutes. By inputting current savings, contribution levels, desired retirement age, and risk tolerance, its engine forecasts total nest‐egg growth, designs an optimized lifelong drawdown plan, and allocates funds across account types to minimize taxes and maximize savings. It aggregates existing debts, recommends consolidation at the lowest available interest rates to improve cash flow, and calculates insurance needs to protect income in the event of death or critical illness. It offers interactive dashboards, scenario‑driven calculators (including budgeting, child affordability, and insurance/investment needs), and detailed, exportable reports, all accessible through a secure online interface. Users can opt for a free review with a local financial advisor without sharing highly sensitive information.
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Bright Money
Bright Money is a financial app designed to help users reduce debt and build credit history. By connecting your checking account and credit cards, Bright analyzes your income, spending habits, and debts to create a personalized plan. Utilizing its proprietary MoneyScience system, which comprises 34 algorithms, Bright makes automatic, optimized payments toward your credit cards, ensuring timely payments and minimizing interest charges. This approach not only helps in paying off debt faster but also contributes to improving your credit score by maintaining a positive payment history and lowering credit utilization. Additionally, Bright offers the Bright Builder feature, which sets up a small line of credit used to pay off your credit cards. Bright manages the repayment of this line of credit automatically, building a fresh, positive payment history and improving your credit utilization ratio, both of which can boost your credit score.
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WalletHub
WalletHub is the first app to offer 100% free credit scores, WalletScores, and full credit reports updated daily. Plus, get personalized tips for how to save money and improve both your credit score and your WalletScore. Download this award-winning app and reach top WalletFitness®. Use the loan for consolidating debt, paying for a large expense or a special occasion. Savings alerts so you can repay your debt faster and avoid overpaying on your credit cards and loans. WalletHub's credit score app offer daily updates and a clear action plan. We’ll also give you personalized credit-improvement tips and help you maximize your savings as well as minimize your debt.
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Basil
Basil is an intuitive and feature-rich portfolio tracker and investment research app designed to serve both novice investors and seasoned finance professionals. At its core, Basil is equipped with robust tools to monitor and manage investment portfolios, offering a seamless and dynamic user experience that demystifies the complexities of financial markets.
Portfolio Tracking:
Basil provides real-time data and analytics on users' investment portfolios. It offers a comprehensive dashboard that displays asset allocation, investment performance, and historical growth. Users can track stocks, bonds, mutual funds, ETFs, and other securities, all updated continuously with market data. Customizable alerts keep users informed of significant changes and opportunities in their portfolio.
Investment Research:
In addition to tracking features, Basil serves as a powerful research tool. It aggregates financial news, market data, and in-depth analysis, giving users access advanced statistics.
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