Do you need help keeping your finances in check? Or perhaps you’re looking for an easier way to keep tabs of your spending habits and paying bills on time? Whether you want to manage loyalty cards, have an easier way to split restaurant tabs among friends, or you just want to go “cardless,” stay on top of managing your money with these five smartphone apps—without the hefty fee of a financial planner.
The app is widely recognized by millennials—and investors—as the investment app that lets you automatically invest spare change from your debit and credit card purchases. Last month, the eight-month-old app banked $23 million in its third round of funding, which brought total funding to a whopping $32 million. With 650,000 members, consisting of mostly millennials, Acorns connects to a card and “rounds up” the spare change to the next dollar on all purchases. Once a roundup reaches $5, the money is withdrawn and invested in a personalized stock portfolio. On average, customers put $100 a month into investment funds, helping you to essentially become your own investor.
For managing loyalty cards, CardStar is an app that provides you with the convenience of going “cardless.” By eliminating your wallet and the bulk that comes along with dragging one around, CardStar stores your loyalty, rewards, and membership cards together within the app. All of your cards are stored and located in one space, providing a quick and simple way to store shopping lists and manage your accounts.