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Upgrade your banking
With a Wealthfront Cash Account, you earn 5x the national average per FDIC.gov and enjoy checking features in one account
Get paid up to two days earlier with direct deposit
Use your account and routing numbers to pay your credit card, rent, or mortgage bills
Access 19,000 of fee-free ATMs with our debit card
All while enjoying $1 million FDIC insurance through our partner banks, no account fees, and unlimited free transfers.

Automate your Investments at a low cost
Put your long-term savings to work. Through our software-only approach, we invest your money in a globally diversified portfolio of low-cost index funds, and our tax-loss harvesting strategies help lower the taxes you pay.

Keep a single view for your finances
We’ve made planning easy and free. Link your financial accounts once, and we’ll calculate your current net worth and project what you’ll have in the future, making updates automatically as your finances change.

Borrow quickly & easily at a low rate
Portfolio Line of Credit is the fast, easy and convenient way to access cash. No application, no credit check, and you get the cash you need without selling investments and disrupting your strategy.

Limits, fees, and exclusions apply. Checking features are subject to Green Dot Bank’s application and approval. Debit Card is optional and must be requested. Please see the Deposit Account Agreement for details.

Cash Account is offered by Wealthfront Brokerage LLC (“Wealthfront Brokerage”), a member of FINRA/SIPC. Neither Wealthfront Brokerage nor any of its affiliates are a bank, and Cash Account is not a checking or savings account. We convey funds to institutions accepting and maintaining deposits. Investment management and advisory services are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC registered investment adviser, and financial planning tools are provided by Wealthfront Software LLC (“Wealthfront”).

The cash balance in the Cash Account is swept to one or more banks (the “program banks”) where it earns a variable rate of interest and is eligible for FDIC insurance. FDIC insurance is not provided until the funds arrive at the program banks. FDIC insurance coverage is limited to $250,000 per qualified customer account per banking institution. Wealthfront uses more than one program bank to ensure FDIC coverage of up to $1 million for your cash deposits. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the program banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The deposits at program banks are not covered by SIPC.

The APY may change at any time, before or after the Cash Account is opened. The APY for the Wealthfront Cash Account represents the weighted average of the APY on the aggregate deposit balances of all clients at the program banks. Deposit balances are not allocated equally among the participating program banks.

Portfolio Line of Credit is a margin lending product offered exclusively to clients of Wealthfront Advisers by Wealthfront Brokerage LLC. You should consider the risks and benefits specific to margin when evaluating your options. Learn more about these risks in the Margin Handbook.

Nothing in this communication should be construed as tax advice, a solicitation or offer, or recommendation, to buy or sell any security. Any links provided to other server sites are offered as a matter of convenience and are not intended to imply that Wealthfront Advisers or its affiliates endorses, sponsors, promotes and/or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated otherwise.

Wealthfront, Wealthfront Advisers and Wealthfront Brokerage are wholly owned subsidiaries of Wealthfront Corporation.

© 2020 Wealthfront Corporation. All rights reserved.

What’s New

Version 2020.8.2

Bug fixes and performance improvements.

Ratings and Reviews

4.9 out of 5
10.5K Ratings

10.5K Ratings

CoonBoyAscher ,

Money Tracking and Cash Account (savings) Fantastic

I have been using this app for 6 months. I found it when I was looking for a high-interest savings account. Wealthfront's cash account isn't a savings account itself but it works with other established banks to offer 1.78% interest per year and is FDIC insured. I'm unsure about the exact amount insured but it's over $1 million dollars.

On top of that, you can also connect your bank accounts, credit cards and other financial services to keep track of all your money in one place. I'm not aware if it offer categories for tracking spending but it does help you determine how many years it will take you to reach your retirement goals at your current savings rate. I am saving $600/mo and apparently I should be able to retire at 60yo. It helps you establish realistic expectations. If anything, it's shown me I need a better paying job since I'm saving as much as possible at this point.

This app is my top money tracking app along with Credit Karma and Experian (for credit). I also use Robinhood, Webull and my credit card apps. I have used Mint but it feels like it isn't being supported by the developers any longer.

RamenIsGood ,

Very Functional and Easy to Use

This app is very functional and easy to use. It gives users a quick way to assess their complete financial situation through the ability to link to all your external accounts with other financial institutions. It will also show a projection of your financial situation throughout your lifetime, if you desire. The app makes it very easy to add money to your Wealthfront accounts or transfer money out of Wealthfront to another institution.

There are two distinct reasons I did not give the Wealthfront app five stars. First, the app does not give users the ability to change their risk tolerance score. Users must log on to Wealthfront’s actual website to do that, which is tremendously inconvenient. Second, although I like the financial future modeling the app provides, there is no available explanation of the modeling used to make such a long term forecast. Specifically, I would like to know the assumed annual rate of return in the model as well as whether it accounts for an assumed annual pay increase or an assumed increase in the value of your home. This would all be possible by adding a simple link that explains the specifics of the assumptions and methodology behind the model used to calculate important values like your predicted net worth at retirement age. I am sure this seems like a niche request, but some more financially and data savvy users would appreciate it.

Developer Response ,

Hi and thank you for the feedback. Please note, all of this information is available on the full website. The methodology for our model is available on the app (click on your specific goal and scroll down to Methodology). Please send an email to support@wealthfront.com for any account-specific questions. We will also share your feedback with the team. Thank you.

Letisha Smith ,

Great for account linking

These days I’m hesitant with which apps I choose to share my income info. (As they say, if the product is free then you are the product. ) Yet, I chose to bank with wealthfront for their high yield savings account with an APY ranging from 1.8-2.5 %, which is great compared to my previous banks .03%. I then linked my other retirement accounts & downloaded the app to use their PATH feature, which helps me understand how my different income streams & retirement accounts influence when I can retire. I also have > 100k in student loans and like that these accounts can also be linked & every time that I pay more than the minimum loan amount it’s nice to see how this effects my net worth & when I can ultimately retire. Keeping track of my account balances with the wealthfront app allows me to immediately see the small impact of my decisions to spend v save income—or use money to pay down debt.


Wealthfront, Inc.
91.6 MB

Requires iOS 12.0 or later. Compatible with iPhone, iPad, and iPod touch.



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  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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