Get clear, step-by-step guidance for the financial decisions that shape your future.
Just clear guidance in the moment you’re making decisions.
Advice rooted in your real life, not assumptions
3Nickels is a financial guidance app that gives you clear, achievable direction based on your real-life situation—your income, your priorities, and your responsibilities, not a generic idea of where you “should” be.
Meaningful guidance for financial decisions in the moment you're making them.
Reduce debt with a plan that fits your reality
See realistic ways to make progress without creating pressure somewhere else.
- See the fastest realistic path to becoming debt-free based on your income and priorities
- Understand which debts to tackle first and why
- See how extra payments change your payoff timeline
Make confident investments
Get investment guidance grounded in your bigger financial picture so your choices feel informed, not uncertain.
- See how much investing actually fits your situation right now
- Know where to invest next based on your goals and timeline
- See how retirement accounts, brokerage accounts, and other assets work together
Plan for retirement steadily
Take pratical steps toward long-term security in a sequence that makes sense for where you are now
- See how today’s decisions affect your retirement timeline
- Understand how much retirement savings you may need
- Adjust your retirement plan as your life and income change
Create a budget that works in real life
Balance spending, saving and everyday priorities in a way that holds up over time.
- See exactly where your money is going today
- Build a budget that adjusts to real-life changes and surprises
- Turn budgeting into clear decisions rather than restrictions
Make major purchases with a clear view of the tradeoffs
Understand how choices like buying a car or home affect your cash flow, flexibility, and priorities.
- See the true long-term cost of major purchases before committing
- Determine whether now is the right time to buy or wait
- Know what price range actually fits your financial picture
Build toward the future you have in mind
Get clear guidance on the everyday financial choices that add up over time and shape where you’re headed.
- See the long-term impact of your investment choices.
- Turn long-term goals into clear actions you can take today
- See multiple paths toward the future you want
What changes when your financial decisions become clear
Financial stress begins to ease.
When you can see your options clearly and how they build a path forward, the pressure lifts and you feel in control of where you’re headed.
Make sound decisions with confidence, not guesswork.
Every financial choice has ripple effects. When you can see where every option leads, the right choice becomes clear.
Meets you where you are.
Whether your finances are simple or complex, the app adapts to your situation so progress is manageable and steady.
For Employers
Support Without Overload
Reduce Stress Spillover
Minimal Lift, Measurable Impact
What Users Are Saying
Real feedback from 3Nickels users.
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The incredible moment for me was when I got my customized recommendations. I was amazed at how quickly it generated easy, tangible recommendations that were clearly tailored to me and my financial situation!
“
We are thankful for the sound advice and encouragement we received. It helped us understand where to focus as we strategized about our finances.
Testimonials reflect the experiences of 3Nickels users at the time they were provided. No compensation, cash or otherwise, was provided in exchange for either of the testimonials. All opinions are their own and are not a guarantee of a similar outcome. 3Nickels-specific investment advice services vary depending on the chosen service level. This is not an offer to sell securities.
Why 3Nickels Exists
After decades of building digital financial advice systems, we recognized a pattern: most financial guidance treats decisions in isolation—leaving people stressed and unsure how each choice affects the rest of their lives.
3Nickels was created to change that. We firmly believe that when you understand how your financial choices fit together, you can make better decisions. By bringing the full picture together, 3Nickels helps you understand your options and move forward with clarity and confidence.
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.
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 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, such as the 50/30/20 rule (for each dollar, $.50 goes to needs, $.30 to wants, and $.20 to savings) or zero-based budgeting (where every dollar has a purpose). The right method is the one that fits your life.
Start by tracking your spending—3Nickels can automatically categorize transactions so you can see where your money actually goes. From there, set aside money for essentials and fun, automate savings where possible, and adjust monthly.
3Nickels connects your budget to your broader goals, helping you to see tradeoffs and make changes as your priorities shift, empowering you to view your budget as a guide, not as a restriction.
How much do I need to save for retirement, and am I on track?
There’s no one‑size‑fits‑all answer. Retirement planning depends on your income sources (such as a 401(k), IRA, or a spouse’s accounts), expected expenses, lifestyle goals, and how retirement fits alongside other priorities like emergency savings or paying down high‑interest debt.
3Nickels brings these pieces together—along with when you want to retire and what you expect to need to support your lifestyle—to provide investment advice and a strategy for how much to save and how to invest toward your retirement goals.
Important: Investment advice isn’t a one‑time event. You’ll need to revisit your plan when your situation changes, or at least annually, so your savings and investment strategy can be updated as needed.
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. The right choice for you depends upon how each option fits into the rest of your financial life—and that’s what 3Nickels helps you to see.
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. By looking at how your cash, debt, and goals work together, 3Nickels helps you decide when it make sense to keep money accessible and when investing supports your longer-term priorities.
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.