Click here to see which smart money programs and services our editors tested and loved, or read on for the 2020 Real Simple Smart Money Award winners. Best for managing subscriptions: Clarity Money Best for couples who want to save and spend together: Zeta Read more about the best budget apps. Best for people with fluctuating incomes who want to save: Empower Best for a big interest payoff: Level Read more about the best banking apps. Best for beginner investors looking for a value: Charles Schwab’s Intelligent Portfolios Premium Best for day traders who dread tax time: TurboTax Premier Best for budget-conscious investors who still like premium trading tools: Ally Invest Read more about the best investment apps. Best for young families who want to secure their financial future: Fabric Best for getting a non-employer-based health savings account: Lively Read more about the best insurance apps. Best for 20-somethings who want to build their credit rating: Petal Best for keeping tabs on your credit account: Capital One’s Eno Read more about the best credit cards and management apps. Best for home buyers or refinancers who want simplicity: Better.com Read more about the best real estate sites. Best for making discount hunting a breeze: Honey Best for Venmo devotees who want to earn extra cash: Venmo Rewards Read more about the best shopping apps. Best for planning an impending retirement: Charles Schwab’s Intelligent Income Read more about great financial services of 2020. Cathy Derus, CPA at Brightwater Accounting Gideon Drucker, CFP, author of How to Avoid H.E.N.R.Y. Syndrome: Financial Strategies to Own Your Future Ande Frazier, CFP, behavioral financial expert and author of Fin(anci)ally Free Shannah Compton Game, CFP, host of Millennial Money podcast Lynnette Khalfani-Cox, money coach and author of Zero Debt: The Ultimate Guide to Financial Freedom Stephanie Mackara, certified divorce financial analyst, president of Charleston Investment Advisors in Mount Pleasant, South Carolina, and author of Money Minded Families: How to Raise Financially Well Children Kevin L. Matthews II, CFP, founder of BuildingBread, a financial education platform Luis F. Rosa, CFP, host of the podcast On My Way to Wealth Katie Waters, CFP, founder of Stable Waters Financial in Athens, Georgia
