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Get Ready for Retirement

Get Ready for Retirement

It's nice knowing that you're working toward something with your day-to-day grind. These apps will help you keep an eye on your money. You can monitor and reach your financial goals, put a bit away for emergencies, and manage your big expenses. They'll even help you stay updated on financial news so you can make your investments as smart as possible.

Budget Managers

It's tough to save money if you aren't keeping track of what you already have. These apps help you chart your expenses, analyze your spending, and build good spending habits. They might also highlight how much you're dishing out for candy and that unused gym membership, but sometimes pain is part of growth.

Mvelopes: Easy Budget System

Mvelopes: Easy Budget System

Finicity Corporation

Mvelopes: Easy Budget System

For anyone looking for an easy way to manage their budget.

Start by downloading the Mvelopes Budget App, setting up a free account, adding your financial institutions and coming up with a budget that will keep you on the path to financial wellness. Create, budget, fund and track your daily spending with your weekly or monthly budget at your fingertips inside the Mvelopes Budget App. Mvelopes uses an envelope budgeting template to help you plan and track your household or personal budget. You can assign and manage your budget, as well as receive feedback on where you have spent your money and how much you have remaining. Be secure with in-app security settings, a four-digit PIN or your Mvelopes username and password.

Money Manager (+PC Editing)

Money Manager s an optimized application for personal account management.

Money Manager (+PC Editing)

Money Manager (+PC Editing)

For those who want a more efficient way of managing their home finances.

Money Manager is super easy and simple to enter data anytime, anywhere. Allows you to view your spending tendencies graphically. You can also view statistics by simply entering the data. The app allows you to manage all your accounts at once.

Why we love it

Money Manager has a ton of features that allow you to manage all your finances at once as well as analyze your current financial situation.

Stash Your Cash

Once you have your spending sorted out, here are some apps that will help you put some dollars away. They'll give you tips and even set up a savings account and add to it automatically. Building up some financial backup gets really easy when you don't have to constantly think about it and monitor your balance. But if you want to do that, anyway, you can just watch them work and see your savings grow.

Invest & Trade | M1 Finance

Invest & Trade | M1 Finance

M1 Finance LLC

M1: THE FINANCE SUPER APP. Build and manage your wealth from the convenience of an automated, intuitive platform.

Hundreds of thousands of investors trust M1 with over $5B in assets. See for yourself why M1 is an award-winning experience.

Plan long-term investing quickly and automate your finances with Smart Transfers: custom rules that move your money how you want.

INVEST

Invest with an individual, joint, trust, or custodial account. Or open a Traditional, SEP, or Roth IRA or rollover a 401(k).

Choose stocks and ETFs with an intuitive Pies interface; let our automated tools handle the buying and selling.

Pre-built Expert Pies help you invest according to your values, risk tolerance, retirement plans, and more.

Fractional shares let you invest as little as one dollar for more power and flexibility.

One-click rebalancing makes sure your investments match your goals.

With M1 Plus, get exclusive features and perks throughout your account for just $125 a year, with your first three months free.

BORROW

Borrow against your investments easily with rates from 3.5%-5%*.

Access funds in minutes for more liquidity without selling off your securities.

SPEND

Get 1.30% APY** on your checking balance (43x the national average) and 1% cash back when you're an M1 Plus member.

THE OWNER'S REWARDS CARD

Earn 2.5%-10% cash back*** when you spend at select brands in your M1 portfolio, and 1.5% cash back everywhere else. With M1 Plus, we'll waive the $95/year annual fee.

You can automatically reinvest your rewards money to build wealth-even as you spend it.

M1. YOURS TO BUILD.

ACCOUNT PROTECTION

Securities in M1 Invest accounts are insured up to $500,000 by the SIPC.
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M1 Spend checking accounts may be insured up to $250,000 by the FDIC.

DISCLOSURES

See all fees at m1finance.com/legal/disclosures/misc-fees/

Must be 18+ and US resident to open an account. M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC, each a separate, affiliated, and wholly-owned operating subsidiary of M1 Holdings Inc. "M1" refers to M1 Holdings Inc., and its affiliates.

All investing involves risk, including the risk of loss. Borrowing on margin can add to these risks, and you should learn more before borrowing. M1 does not provide investment advice, and this is not an offer or solicitation of an offer, or advice to trade any security.

Brokerage products and services are not FDIC insured, not bank guaranteed, and may lose value. M1 Finance LLC, Member FINRA / SIPC.

*M1 Borrow available on margin accounts with at least $2,000 invested. Borrow rates may vary. Borrow not available for all accounts. Borrow rates last updated May 5, 2022. Please see https://m1.com/how-it-works/borrow/ for the latest rates and additional information.
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**No minimum balance to open account or to obtain APY (annual percentage yield). APY valid from account opening. Fees may reduce earnings. Rates may vary. National average is 0.03% APY, as of June 2022. Obtained from the FDIC.

M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.
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***Credit Card not available for US Territory Residents. 1.5%-10% credit card cash back rewards earned on eligible purchases subject to a maximum of $200 cash back per calendar month. Review card disclosure for more details on cash back. The Owner's Rewards Card by M1 is a credit card Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.
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© Copyright 2022 M1 Holdings Inc.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

App distributed by: M1 Finance LLC; 200 N LaSalle St., Ste. 800; Chicago, IL 60601; United States

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Manage Your Mortgage

Whether you're looking for your dream home or have already found it, here are some apps that are all about keeping you there and making it yours for good. They'll help you plot out your monthly payments and stay on top of -- or get ahead on -- financing your house.

Baudarlehen-Rechner

Baudarlehen-Rechner

Mihailo Celeski

Bei Baufinanzierungen oder anderen langfristigen Darlehen hat der Kreditnehmer ohne Tilgungsplan selten einen Überblick über die künftig zu leistenden Rate oder der künftigen Entwicklung der Restschulden.

Mit dieser App verschaffen Sie sich einen Überblick:
• Sie erhalten einen detaillierten Zins- und Tilgungsplan und erhalten vollständige Transparenz
• Der Zins- und Tilgungsplan wird tabellarisch, aber auch graphisch dargestellt
• Individuelle Sondertilgungen (manuell einstellbar oder wiederkehrend als Dauerauftrag)
• Tilgungssatzänderungen (Abweichende Kreditraten während der Laufzeit)

Welche Eingaben sind nötig? Lediglich Darlehensbetrag, Sollzins und die Tilgung (in Prozent oder in Euro) oder alternativ die gewünschte Kreditlaufzeit sind anzugeben. Fertig! Den Rest übernimmt der Baudarlehen-Rechner für Sie.

Für weitere Flexibilität sorgen die Möglichkeiten,
• aktuelle Zinsen verschiedener Anbieter zu vergleichen,
• die Zahlweise anzupassen (z.B. 3-monatliche Zahlung für KfW-Darlehen), oder
• die Zinsberechnungsmethode anzupassen.

Weitere Funktionen werden sukzessive entwickelt und über Updates kostenlos zur Verfügung gestellt.

Loan Graph mortgage payment calculator

Loan Graph mortgage payment calculator

STEARsoft

If you have a more mathematical interest in seeing graphically how
- Amount Borrowed
- Monthly Payments
- Length of Mortgage/Loan (term)
- Interest rate
interact with each other then Loan Graph is for you.

If you like graphs, then 'Loan Graph mortgage payment calculator' (Loan Graph for short) will help you to SEE how varying one thing changes another, not just numerically, but seeing how quickly curves gets steeper etc. or at what point there is a more significant divergence away from the 'zero interest comparison' line.

Loan Graph will also let you SEE how the 'cost' of a loan is affected by changing a parameter (the cost being the total interest you pay over the whole loan repayment), and tapping/dragging on the graph lets you 'read off' numerical values.

Loan Graph helps you SEE how the calculations work out for YOUR details so you can judge where the balance lies in a far more informed way. A dynamically changing graph as you move a slider lets you see the rate at which things change and how close you might be to saving lots or to a disaster situation.

By tapping the axes you can quickly change what you graph. The mortgage (loan) Interest rate is always set as a slider at the top, but you have complete flexibility between graphing:
- Amount borrowed
- Length of loan (years)
- Monthly payments

For example, visually see at what point reducing your monthly payments starts dramatically impacting the length of the loan and the total interest you end up having to pay.

Or see it the other way around. Does increasing the length of the loan really reduce your payments by that much? It might to start with, but there comes a point (that you can 'see' on a graph) when the gain may not be worth it. Meanwhile you can see on the right how the 'cost' of the loan (in interest payments) rises.

The screenshots above show you the controls (it also forms a kind of help/manual). With very few buttons to press or slide you can do a lot of experimenting to explore your options and get a real 'feel' for what loan (mortgage) you will be most happy with.

When you home in on your chosen mortgage details, make sure you slide the interest bar enough to experiment with rising interest rates to know how close (or hopefully far) you are from run-away bad situations.

Limitations:
Loan Graph mortgage payment calculator is designed to give a good 'feel' for the parameters. Some values are rounded to aid clarity of display, and some assumptions and detail in calculations will be different to those that a lender might use. It has only been designed to give a useful general indication of costs. You should always get and use a specific quote from the lender and double-check the price yourself before acting on the information. We cannot accept responsibility for any errors (please report faults using the 'support' link).

The interest is fixed at a single rate for the whole term. Whilst this may not reflect many 'real' mortgage situations, it can be a useful tool to see where a loan is initially headed, particularly for fixed interest rate loans (mortgages).

Use Your Money to Make Money

If you've put a little cash away, here are some tools to help it grow. Investing can be intimidating, but these apps are here to guide you through the process and help you watch your assets.

E*TRADE: Invest. Trade. Save.

E*TRADE: Invest. Trade. Save.

E*TRADE Securities

E*TRADE: Invest. Trade. Save.

For those who want a stock tracking app to place trades and get streaming quotes.

For iPhone, iPad, and Apple Watch, the E-Trade Mobile app puts the market at your fingertips. Place your trades, receive stock alerts, and customize your dashboard and watch lists. You can view real-time streaming quotes and view positions and balances. The app also lets you transfer money and make mobile check deposits.

Why we love it

Manage your accounts and portfolio with flexible stock alerts and watch lists with E-Trade Mobile.

Stock Master - Stocks Market

Stock Master is designed to bring you a streamlined mobile stock market experience.

Stock Master - Stocks Market

For novice stock users, day traders, or Stock Masters.

It has everything from real time stock quote, pre-market/after-hour quote to customizable advanced charts. You can set alerts, and choose to get their information via push and email notification. With highly customizable favorite Action panel, you can quickly access information about stock options, market news stream, Forex, ETFs, commodities and stock futures.

Why we love it

It's very streamlined and easy to use.

Real Estate Can Earn You Extra Income for Retirement

Stocks may rise and fall, utilities and transportation systems may collapse. But people will always need land, and if that's where you want to put your investment bucks, then these apps are here to help. They feature calculators, tools, and analysis to help you put your money in the right places and keep it growing.

DealCheck: Analyze Real Estate

Simple app for analyzing and comparing investment properties

DealCheck: Analyze Real Estate

DealCheck: Analyze Real Estate

Whether you’re a new investor or and experienced profession DealCheck is great for you

DealCheck will help you crunch the numbers and perform due diligence on any rental property or rehab/flip project in less than a minute. After entering basic information about a property, DealCheck will calculate a complete analysis of the deal, including cash flow, investment returns and income/profit projections. You can create and export detailed PDF reports, compare each investment property against your purchase criteria and perform reverse valuation analysis to determine your maximum offer price. And if you’re looking for conventional, private money or hard money loans to finance your properties, you can browse an extensive list of investor-friendly lenders and apply for funding in seconds.

Why we love it

It's a great app for calculating a complete analysis of a real estate investment.

Real Estate Flip - Investing Calculator

Helps you evaluate and calculate all the expenses of buying holding and selling properties.

Real Estate Flip - Investing Calculator

Real Estate Flip - Investing Calculator

For those looking to get the best investment from purchasing properties.

Real Estate investing can be a profitable business, however it's easy to over look expenses that can quickly add up to huge losses. Real Estate Flip Investing Calculator helps you evaluate and calculate all the expenses of buying holding and selling properties. You can also create professional looking, custom PDF presentation reports which can be emailed to your clients, partners or lender. A great tool for Real Estate investors, brokers, agents, short sale, wholesale and foreclosure investors, contractors, or home buyers thinking of buying a fixer upper house.

Why we love it

It's a great way to create custom presentation reports and allows you to evaluate and calculate all the expenses involved.

Keep up with the News

While you're trying to build your financial wealth, you might benefit from the wealth of information that these apps contain. They have articles, advice, and knowledge from some of the smartest people in the investment world, and you can use their experience to make your own money decisions as informed and intelligent as possible.