FIRE Toolbox

Financial Tools are all over the internet now.  There are a lot out there and you should do your due diligence when selecting them.  Here’s a list of my personal financial tools that I use to fix my finances.

 

acorns app logo

Honestly, my favorite app and my newest.  Why?  Because I’ve actually wanted an app like this forever.  Ever since I owned a debit card, I wanted something to round my money up to the nearest dollar and put it into savings.  Better yet, they invest it!  You can read my review of Acorns here.

 

ally logo

I’ve had their investment tool when it was previously bought from TradeKing.  Before that, it was another company, but I can’t keep track of them all.  They offer some of the cheapest transactions per trade, which is why I like and use them.  Plus, the interface is pretty easy to get around.  They also offer savings accounts that are pretty good rates if you’re interested in that!

betterment logo

I’ve been using Betterment for about 2 years, since reading all of the great recommendations from other personal finance bloggers.  I definitely like the simplistic interface and have no complaints.  Easy to invest and requires very little thinking and they have low fees.  I would recommend this to anyone who just wants to set it and forget it.

capital one 360 logo

I went with Capital One 360 as my go-to savings account for two reasons.  One, they’re well known.  Capital One has a credible reputation and I wanted a savings account with a reputable company.  Reason two, the savings rates are great and they keep getting better!  The interface is easy to use both online and in the app.  My only gripes are the withdrawal time can take a few days and you need a minimum of $10k in order to get the better savings rates.  American Express savings moves funds much quicker between accounts if that’s a deal-breaker.  I like to think it prevents you from doing anything drastic!

 

personal capital logo

I was weary to use this tool for a while, just because you have to link all of your account information.  However, after several recommendations from the online community I decided to try it out.  It’s amazing!  It really is a great tool track your finances.  Much easier than on an excel spreadsheet!  Plus, they let you play with retirement scenarios you can save.  Pretty slick.

 

vanguard logo

The holy grail of the personal finance community.  Vanguard goes straight to the source for index funds.  If you’re not afraid to choose your own funds then this is the place.  They offer super low fees on many of their funds and if you have higher amounts invested the fees can be even lower.

Bonus:

I recently joined Mint Mobile, previously known as Mint Sim and am loving it.  If you’ve ever used T-Mobile then you’ll know what to expect for call quality and reliability, which is great in my area.  They start as low as $15 a month for 2gb of data w/unlimited talk & text.  You can read my review and get more information here.