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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

Mvelopes

Finicity Corporation

Mvelopes

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.

M1 Finance: Yours to build.

M1 Finance: Yours to build.

M1 Finance LLC

M1. YOURS TO BUILD.
With our next-generation, intelligent financial tools, you can do exactly what you want with your investing, borrowing, and spending. The cherry on top? It’s free.

Join more than 500,000 investors who’ve opened up accounts to automate their finances with M1.

SMART TRANSFERS
Goodbye manual calculations. Now, you can build a system of automated rules that lets you organize your transactions with just a few clicks. Your money will move between your M1 accounts automatically, so you can optimize your investing, borrowing, and spending.

INVEST SMARTER
You’re in the driver’s seat. Create your portfolio with any stock and/or ETF, for free, and use our intelligent automation tools to invest on a schedule, rebalance with one click, and more.

BORROW FOR LESS
Borrow money at just 2-3.5% and use it for whatever you want: more buying power, emergencies, large purchases, you choose. Unlock this flexible portfolio line of credit with just $5,000 invested.

SPEND
Access your money instantly and move money between investments seamlessly with your M1 checking account.

ENJOY M1 FOR FREE, OR UPGRADE TO M1 PLUS FOR MORE PERKS
- 1% APY* checking (that's 33x the national average APY for a checking account)
- 1% cash back on M1 Plus Visa™ debit card purchases
- 1.50% reduction on M1 Borrow base rate**
- Unlock a second daily trading window for more control over your investments
- NEW: Get access to Smart Transfers

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.
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- We are a technology-first company that utilizes the latest in information security.


DISCLAIMERS
**Borrow rates may vary. Borrow not available for retirement accounts.

All investing involves risk, including the risk of losing the money you invest, and past performance does not guarantee future performance. 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 buy or sell any security, and you are encouraged to consult your personal investment, legal, and tax advisors.
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.


Brokerage products and services offered by M1 Finance LLC, an SEC registered broker-dealer and Member FINRA / SIPC.

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*No minimum balance to open account. No minimum balance 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 April 2021. Obtained from the FDIC.

M1 Spend is a wholly-owned operating subsidiary of M1 Holdings Inc.

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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© Copyright 2021 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.

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: Investing Stocks

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

Stock Master: Investing Stocks

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.