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Here are 12 apps for the tech-savvy financial planner or investor

There’s never a better time than now to start thinking about how you manage your money. That said, it’s hard to know where to start, especially if you’re young and have no idea what your Roth IRA or 401K is. Don’t worry, these days there are all sorts of ways to make smart investments or better plan your financial life — all right from your smartphone. Here are our picks for the best financial apps around, whether you’re looking to invest or simply keep your balances available at a glance.

Valuation App

Valuation App

These days, you’re more likely to be an early investor of your best friend’s company — or even run your own startup — than own a stock portfolio or real property. But it can be challenging to make investment decisions based on minimal company data not clouded by peer pressure or personal relationships. With the Valuation App, you can come to your own conclusions by using the same financial calculations that venture capitalists and business professionals trust. It also comes with a handy glossary that breaks down complex financial concepts into plain English, so you can become fluent in the lingo.

Download now for:

iOS

WiseBanyan

WiseBanyan app
It costs the price of a movie ticket ($10) to start an investment account and $1 to fund it with WiseBanyan. This app makes it possible for newbie investors who may not have a lot of spare money or credit to start investing with its no-fee automated service. The app starts by asking a few simple questions to assess your risk tolerance and investment goals, and generates a mix of stocks and bonds plus your monthly contributions to achieve those goals, before taking over from there. While WiseBanyan bots work hard for your money, there are also actual humanoid advisers who can provide additional services like tax-loss harvesting for a hefty fee.

Download now for:

iOS Android

Personal Capital

Personal Capital app
If you want to stay on top of your investments, stocks, retirement savings, and bank accounts as well as budget your spending in a single app, then Personal Capital is the multi-platform financial portal for you. It’s also available online and on wearables. Rather than passively track your net worth across various institutions like Mint, this free app actively compares your stocks’ performance to the markets in real-time, thus allowing you to keep up to speed on your financial health. The app even provides access to a team of professionals who can offer more personalized advice to further grow your nest egg, though their optional services cost extra.

Download now for:

iOS Android

Acorns

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All it takes is a few seeds to grow some huge trees, right? That’s the same philosophy behind Acorns, a new spare-change investment app designed to encourage small, gradual investments over time to help grow your portfolio. Acorns links up with your credit card and bank account, and every time you pay or bill or buy something at the store, it will automatically round off to the nearest dollar and put that money in a flexible, automated investment portfolio. There are a few distributions to choose from, which come from a variety of exchange traded funds.

Download now for:

iOS Android

Robinhood

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Robinhood hopes to be a game-changer in the way people buy and sell stock, especially among young investors. First, you deposit any amount of cash into the Robinhood account. From there, you can use that money to buy and sell stocks without any per-share fees or per-trade fees. For those used to brokerages, this is a real game changer.

Download now for:

iOS Android

Betterment

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Betterment is an automated investing service for those interested in large scale, long term investing strategies. The service’s accompanying mobile app grants you access to many of the same features available on the Betterment website, with quick access to your ongoing IRAs and other retirement plans, including quick deposit options.

Download now for:

iOS Android

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