FINANCIAL INSIGHTS

Track and manage
all your finances,
all in one place.

✓ Log in to just one app to view all your financial accounts.
✓ See your spending, set budgets, monitor credit, and more—for free.
✓ Keep your data protected with multifactor authentication.

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Trustpilot

See how SoFi could help you get
your full financial picture.

1/5

Credit score monitoring

Track your credit score with weekly updates and
earn rewards points1 every time it goes up five
points or more.

Learn more

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See all your accounts—not just SoFi ones.

You can instantly connect to more than 12,000 financial institutions. That means your easy-to-use dashboard could include your checking, savings, student loan, credit card, mortgage, investment, retirement, and other accounts—plus credit score monitoring, budgeting tools, and more. Did we mention it’s free?

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Knowing your credit
score is the
first step to financial wellness.

Keeping score.

Get weekly updates, understand the factors that drive your credit score, and get rewards points every time it goes up five points or more.

You're covered.

Multifactor authentication helps keep your personal data safe and secure.

Check it anytime.

We only do a "soft" pull on your credit, so it won't hurt your score† or your wallet—plus it’s free.

Powered by TransUnion®.

Get your VantageScore® 3.0 credit score, a model developed by all three national credit reporting companies.

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Don't take our word for it.
See what members have to say.

I love using SoFi to see an up to date snapshot on my full financial picture. Being able to pull in all my accounts, review equity in my home, and monitor my credit score gives me a true one stop shop to “get my money right.” Having up to date info all pulled together let’s me save time and feel confident that I know my full financial picture.

—Brad S.

Actual SoFi Ambassador.

FAQs

You can link your deposit account (checking, savings), investment, and retirement accounts as well as credit cards, student loans, mortgages, and other liabilities. If you’re not able to link your account, you will be able to manually add an account or asset (like an owned car or home), so that you’re able to see your entire net worth.
You can securely connect to more than 12,000+ financial institutions with SoFi. Once you’ve linked your account, you can track all your finances across both your SoFi and external financial accounts in one money tracker app. If your bank is not listed, you can manually link your accounts or assets to view your net worth.

SoFi leverages the TransUnion VantageScore 3.0 model which includes several key components:

  • Payment History - comprised of whether you regularly pay your bills on time.
  • Credit Age and Type - average age of your credit accounts and mix of various types such as revolving debt and installment debt. An example of revolving debt is a credit card and an example of installment debt is a student loan.
  • Credit Utilization - the percentage of your credit limit you currently have outstanding.
  • Balances - balances on your credit accounts including current balances as well as delinquent accounts.
  • Inquiries - recent inquiries or applications for new credit.
  • Available Credit - amount of available credit that is unused.

Learn more: What Factors Affect Your Credit Score?
Checking your own credit report is considered a soft inquiry, which does not impact your credit score.

Learn more: Does Checking Your Credit Score Lower Your Rating?
Your credit score is used by lenders, among others, as they review your applications for credit and determine your creditworthiness which might influence if they are willing to extend credit and at what terms. It might also be used by landlords, utility providers, and prospective employers.

Learn more: Why Does Creditworthiness Matter?
Yes, all of SoFi’s features including credit score monitoring, online budgeting and spending tracker, debt summary and more are free to use!

See more FAQs

Learn more about budgeting.

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What Is the Biweekly Money-Saving Challenge?

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Master your finances all in one place.

See all your accounts in one free, easy-to-use dashboard.

Get started