How much does NerdWallet: Smart Money App earn?

The free NerdWallet app does the work for you, making it easy for you to track, save, and invest your money. TRACK Our dashboard helps you stay on top of where your money goes and how it grows. Track your cash, investments, credit cards, loans, and property. Monitor your recurring bills and subscriptions, with access to one-click cancellation. We’ll provide you with actionable financial insights about your credit score and cash flow, so you can make smart money moves. EARN 3.90% APY* ON YOUR …

The free NerdWallet app does the work for you, making it easy for you to track, save, and invest your money.

TRACK
Our dashboard helps you stay on top of where your money goes and how it grows. Track your cash, investments, credit cards, loans, and property. Monitor your recurring bills and subscriptions, with access to one-click cancellation. We’ll provide you with actionable financial insights about your credit score and cash flow, so you can make smart money moves.

EARN 3.90% APY* ON YOUR CASH
When you open a Cash Account offered by Atomic Brokerage, and deposit funds within 14 days, you can earn a boosted 3.90% APY on balances up to $250,000 for the first 6 months.

BUILD
We’ve partnered with Atomic Invest to give you access to their Treasury Account to invest in U.S. Treasury Bills. You don’t have to pay state and local taxes on the earned interest from Treasury Bills, so you can focus on growing your savings. Federal taxes on earned interest still apply.

INVEST
We’ll give you access to Atomic Invest’s Automated Investing Account to put your investing on autopilot. Get direct indexing with no balance minimums — allowing you to reap more savings via tax loss harvesting.

LEARN
We’ll help you connect what’s happening in the news, the markets, and the economy directly to your finances, so you always know what it means for you.

SHOP
We’ll show you financial products, and provide access to the Nerds' ratings and reviews for each one.

Disclosures:

NerdWallet privacy policy: https://www.nerdwallet.com/p/privacy-policy

NerdWallet terms:
https://www.nerdwallet.com/p/terms-of-use

*An introductory 0.65% Annual Percentage Yield (APY) boost is available on up to $250,000 in deposits for the first 6 months when you open a Cash Account offered by Atomic Brokerage LLC and deposit funds within 14 days. Balances above $250,000 will earn the standard 3.25% APY. After the 6 month introductory period, all balances earn the standard 3.25% APY. The introductory APY boost of 0.65% is available through NerdWallet’s promotional program. APYs are accurate as of 02/27/2026 and are subject to change without notice.

Paid Non-Client Promotion for the Treasury Account and Automated Investing: NerdWallet has engaged Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser, to bring you the opportunity to open an investment advisory account with Atomic. NerdWallet receives compensation of 0% to 0.85% of assets under management annualized, payable monthly, for each referred client who opens an Atomic account and a percentage of free cash interest earned by clients, which creates a conflict of interest.

Brokerage services for Atomic are provided by Atomic Brokerage LLC, a registered broker-dealer and member of FINRA and SIPC and an affiliate of Atomic, which creates a conflict of interest. For more details about Atomic, please go to https://www.atomicvest.com/atomicinvest. For more details about Atomic Brokerage, please go to https://www.atomicvest.com/atomicbrokerage. You can check the background of Atomic Brokerage on FINRA’s BrokerCheck at https://brokercheck.finra.org/.

Paid Non-Client Promotion for the Cash Account: You can open a Cash Account offered by Atomic Brokerage LLC which allows you to earn interest on your cash through a cash sweep program. See important Cash Account disclosures at https://www.atomicvest.com/legal/disclosures/7d9c31dd-bf97-46ae-9803-1774b97187af. Atomic Brokerage shares fees from the cash sweep program banks with NerdWallet for each referred client who opens a Cash Account, which creates a conflict of interest.

Neither Atomic Invest nor Atomic Brokerage, nor any of their affiliates is a bank. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged.