FINANCIAL INSIGHTS

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

Your financial picture—in one app
Connect your accounts, even if they aren't with SoFi, in one easy-to-use dashboard.
Budget and plan for free
It's free to see your spending, set budgets, monitor your credit, and more.
Secure authentication
Keep your data protected with multifactor authentication.

Get started

Signing up will not impact your credit score.

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

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?

Get started

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.

Get started

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

The best part about SoFi is the ability to see all my accounts, investment, credit, and more all in one place. SoFi offers me a one-stop-shop to view my net worth on all one platform. My spending and investing habits have improved thanks to the ability to see upcoming recurring expenses, monthly savings, and spending categories. Credit score monitoring also provided me with reminders that I was doing the right thing with my credit habits. All in all, I feel more confident than ever to lead my wallet into the world safely.

—Austin W.

Actual SoFi Ambassador.

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.

The best part about using SoFi is the ability to see your financials broken down by cash, investments, credit cards, loans and property. It helps me have a better understanding of where all of my money lives and how it increases or decreases my net worth over time. SoFi has helped me become more confident with my financials and help me start to better prepare for retirement. This is a tool that everyone should take advantage of.

—Betty T.

Actual SoFi Ambassador.

The best part about SoFi is the ability to see all my accounts, investment, credit, and more all in one place. SoFi offers me a one-stop-shop to view my net worth on all one platform. My spending and investing habits have improved thanks to the ability to see upcoming recurring expenses, monthly savings, and spending categories. Credit score monitoring also provided me with reminders that I was doing the right thing with my credit habits. All in all, I feel more confident than ever to lead my wallet into the world safely.

—Austin W.

Actual SoFi Ambassador.

The best part about using SoFi is the ability to see your financials broken down by cash, investments, credit cards, loans and property. It helps me have a better understanding of where all of my money lives and how it increases or decreases my net worth over time. SoFi has helped me become more confident with my financials and help me start to better prepare for retirement. This is a tool that everyone should take advantage of.

—Betty T.

Actual SoFi Ambassador.

The best part about SoFi is the ability to see all my accounts, investment, credit, and more all in one place. SoFi offers me a one-stop-shop to view my net worth on all one platform. My spending and investing habits have improved thanks to the ability to see upcoming recurring expenses, monthly savings, and spending categories. Credit score monitoring also provided me with reminders that I was doing the right thing with my credit habits. All in all, I feel more confident than ever to lead my wallet into the world safely.

—Austin W.

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?

FINANCIAL INSIGHTS

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

Your financial picture—in one app

Budget and plan for free

Secure authentication

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

5/5

Investment portfolio

1/5

Credit score monitoring

2/5

Budgeting and spending

3/5

Property tracking

4/5

Debt summary

5/5

Investment portfolio

1/5

Credit score monitoring

2/5

Budgeting and spending

3/5

Property tracking

4/5

Debt summary

5/5

Investment portfolio

See all your accounts—not just SoFi ones.