Big life goals–planned together, in one app.
You don’t have to choose to pay off debt OR save OR invest. 3Nickels helps you optimize all your goals as one integrated plan.
Pay Off Debt
Struggling with student loans? Juggling multiple credit card balances? We’ll help you get that weight off your shoulders. Using smart payoff strategies, you’ll know exactly what to pay down, how much, and when.
Track Your Spending
Everyone has an idea of what they think they spend. We’ll help you tackle the reality. By connecting your accounts, we organize all your spending in one place, build a budget that fits your life, and keep you on track.
Expand Your Money Consciousness
If you understand money, you can get it to work for you. Don’t outsource your future to hype or hot takes online. Learn to spot credible sources and tradeoffs behind every promise. You don’t need to be an expert to build wealth.
Backed by Decades of Industry Expertise
Pioneering digital retirement advice, our core is grounded in decades of expertise from top financial experts in the field and has been shaped under strict fiduciary oversight. One of our co-founders is Nobel laureate Dr. Harry Markowitz, father of Modern Portfolio Theory.
Every investor’s goal is to maximize return for any level of risk
Risk can be reduced by diversifying a portfolio through individual, unrelated securities
Try It On Us
Start your 32-day free trial today. Available on iOS and Android.
No credit card required.
Upgrade for $14.99/mo to get investment advice.
Goals
Don't keep your dreams waiting. Set your own priorities and navigate the tradeoffs.
Goal Tools
- Create a Savings Plan
- Inflation Calculator
Investment Advice
Stop guessing. Get a personalized portfolio.
Investment Tools
- Basic Investing Terms
- Investment Account Checklist
- Shop Investment Accounts
Debt Payoff
Stop paying so much in interest. Get a strategic debt payoff plan.
Debt Tools
- Debt Pay Off Strategy
- Debt Consolidation Tool
- How Much Debt Can Your Income Support?
- The Real Cost of Debt
Car-Buying
Drive off the lot knowing you didn't get duped.
Car Tools
- Car-Buying Checklist
- Auto Lease Calculator
- Auto Loan Calculator
- Should I Finance or Pay Cash?
- How Much Car Can I Afford?
- Most Popular Cars
- Collision Insurance Breakeven Tool
- Auto Insurance Tips
Credit Cards
Tap smarter as you understand the ins and outs of credit cards.
Credit Card Tools
- Credit Card Pay Off Quick Tool
- Credit Card Gotchas
College Planning
Understand the cost behind college and how to save for it.
College Tools
- Cost of College
- How to Fund College
- Types of College Savings Plans
- How to Gift College
- College Savings Charts
Smart Budgeting
Solve the missing money mystery. Automated expense tracking.
Budget Tools
- Budget Quick Tool
- 25 Easy Ways to Cut Spending
Home Ownership
Know when to buy vs. rent, save for a down payment, and plan for mortgage payoff.
House Tools
- Should I Rent or Buy?
- Cost of Living Comparison
- How Much House Can I Afford?
- Home-Buying Checklist
- Mortgage Pay Off Plan
- House-Selling Checklist
- Home Sale Net Proceeds
- Mortgage Refinance Checklist
- Mortgage Refinance Calculator
- Mortgage Rates
Medical Insurance
PPO? POS? HMO? EPO? HDHP? HSA? FSA? Compare the differences, and choose what's right for you.
Medical Tools
- Types of Health Insurance
- Health Insurance Checklist
- HSA Calculator
Loans
Understand rates, terms, and payoff impact.
Loan Tools
- Personal Loan Checklist
- Personal Loan Calculator
Retirement
Be kind to yourself–retirement will happen, regret doesn't have to. See if you're on track and what to change.
Retirement Tools
- Why Save Now?…Even if You’re in Your 20’s
- Retirement Income Quick Tool
- IRA Fee Checker
Charitable Giving
Plan gifts without derailing your goals.
Giving Tools
- Introduction to Giving
- Tax Benefits of Donations
- Create a Giving Plan
- Presents Savings Plan
- Search for a Charity
There are 3 things you can do with your money: SAVE, SPEND, or GIVE.
3Nickels is a clear financial guide: see all of your finances in one place, know exactly what to do next—less stress, more confidence, real progress; turns goals into actions, tracks progress, and adapts as life changes.
Pulls in your personal and financial data, aligns it with your goals and timelines, and delivers tailored advice for each account within one holistic, coordinated plan (not in isolation).
Lets you test scenarios to see how different choices affect your results.
Questions 3Nickels Can Help You With
What is 3Nickels?
3Nickels is a holistic personal finance app that creates a prioritized plan across budgeting, investing, debt payoff, retirement, and big life goals—so saving, spending, and giving work together. Tell us about your finances, set goal priorities, optionally connect accounts, and get a personalized plan with tradeoffs and next steps. Track progress and adjust as life changes.
Should I pay off debt (e.g., credit cards, personal loans, etc.) first or save/invest first?
Every person and situation is different. 3Nickels will look at the interest rates of all your debts, analyze how much money you have left over each month, and look at how much money you have already saved. We’ll give you a plan moving forward to most efficiently balance paying off debt with saving for the future.
How do I create a budget that I’ll actually stick to?
There are many budgeting methods out there, like using the 50/30/20 rule (needs/wants/savings) or zero-based budgeting (giving every dollar a job). First, track your spending by connecting your transactions with 3Nickels. Once you know where your money goes, set aside money for both essentials and fun, automate savings, and adjust monthly so it works as a guide, not a restriction.
How much do I need to save for retirement, and am I on track?
Glad you asked. We have over 25 years of experience in helping people navigate their retirement goal. How much you need for retirement depends on your future expenses, lifestyle, and income sources, like your 401(k) and Roth IRA. The 3Nickels app analyzes your income, investment balances, your spouse’s accounts, and more in order to give you a reasonable amount you can expect to spend in retirement. We also guide you in when to retire, how much to save and which investments to choose in order to reach your goal.
Should I rent or buy my next home?
3Nickels has a tool that addresses this exact question. Determine how long you think you’ll live in your city, then compare the total cost of renting for that time period with the total cost of buying a home there. You can also compare lifestyle factors. Renting offers flexibility and lower upfront costs. Buying has higher costs, such as property taxes and maintenance, yet it builds equity and can be a long-term investment.
Should I invest instead of keeping my money in the bank?
It depends on when you need the money. 3Nickels can give you a plan based on your whole financial situation. Sometimes you need money available for debt payoff or emergencies. When you do start investing, 3Nickels helps you choose specific funds to help you meet your goals.
Can I connect bank and credit cards for me and my spouse?
Yes. Secure connections let you see spending by category, as well as individual investment holdings. Add household members for a comprehensive view and coordinated goals.
Do you sell my data or show ads?
No, we don’t sell your data, and we don’t run ads. You can securely connect your accounts in the 3Nickels app. Your data is always safely encrypted.
