ModMoney Personal Finance Apps & Resources


In this digital age, we are swimming in new technology platforms that promise to make our lives easier and more efficient. But which ones are really worth it? To make things easier for you, I created this list to curate the tools that have been the most valuable to me. I use these apps to manage my money, advance my career, and ultimately simplify my life.

Some items may contain affiliate links, but I personally use and recommend everything on this list. Please see my disclosure for details.

Earn & Save When You Shop Online

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Ebates | ModMoney


Ebates is an online shopping portal that allows you to earn cash back at over 2,000 retailers. All you have to do is sign up, choose your retailer, and shop like normal. Ebates sends a check every three months for the cash you've racked up. I never shop online without going through Ebates first!

Sign up for Ebates and receive a $10 welcome bonus.

Best Coupon Code App: Honey


Honey is a browser extension that automatically finds and applies coupon codes at checkout. I use Honey so that I don't have to manually find and test multiple coupon codes with each purchase. It's a great time and money saver!

Sign up for Honey.

Wikibuy | ModMoney


Wikibuy is a browser extension that activates when you shop on Amazon. While you browse, Wikibuy searches for the same product at the lowest price available across other retailers.

Sign up for Wikibuy and receive a $5 welcome bonus.

Manage Money

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Best Finance App: Personal Capital

Personal Capital

Personal Capital is my favorite app and the first one I recommend to friends. It is a free tool that consolidates all of your financial accounts onto one dashboard. Personal Capital helps you calculate your net worth, track your income and spending, set a budget, monitor your investments, and plan for retirement. It has so much functionality and gives you a thorough snapshot of your finances like no other tool can.

Sign up for Personal Capital.

Best Investment App: Wealthfront


Investing doesn't have to be intimidating, complex, or expensive, thanks to software platforms like Wealthfront. I use Wealthfront for all of my investing, and I couldn't be happier with it. Wealthfront calculates the best risk strategy for you and invests your money accordingly. It also monitors your portfolio and periodically rebalances it in the most tax-efficient way. All you have to do is sit back and relax!

Sign up for Wealthfront here to get your first $5,000 managed free.

Best Saving App: Qapital


It takes time and effort to save toward your goals, which is why I love Qapital, a free app that makes saving fun and effortless. Just pick a goal (down payment, summer vacay, student loan paydown, etc.) and customize how you want to accomplish it. For example, Qapital can round up your everyday purchases to the nearest dollar. Another idea is to instruct Qapital to transfer cash every time you get paid. Or set a budget for a special category and automatically save what you underspent. Qapital can also move cash into savings every time you hit the gym by connecting to your fitness apps. The options are endless! The app is super intuitive and will help you hit your savings goal before you know it.

Start saving with Qapital.

Make Money

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Make Money Online: Swagbucks


Swagbucks is a site that lets you earn cash and gift cards by taking online surveys, watching videos, shopping, and even searching the web. If you have some time to kill, spending it on Swagbucks is a productive (and profitable) choice!

Sign up for Swagbucks.

Achievement | ModMoney


Achievement is an app that rewards you with cash for tracking your healthy activities. It connects with a variety of food and exercise trackers such as Fitbit, Jawbone, MyFitnessPal, and Withings scales. If you're already tracking your fitness, you might as well earn points and cash for it!

Sign up for Achievement.

Invest in Yourself

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Coursera partners with top universities to offer over 1,000 online courses. Whether you want to freshen up a skill-set or learn something completely new, Coursera's goal is to make continuous learning accessible. Most courses are free, but you can pay a small fee for certificate programs. Before I started ModMoney, I took a couple courses on coding and search engine optimization, and I loved the experience.

See what Coursera is all about.



Similar to Coursera, Udemy is a platform that offers online courses. Any expert can set up a course on Udemy, which leads to a wider breadth of topics. On the other hand, Coursera's classes are led by top institutions and therefore offer more collegiate-style coursework. I recommend checking out both options and choosing the best one based on your needs.

Check out Udemy's course offerings.

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