Financial Insights
{/* Financial Insights Homepage Banner WINNER */}
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.
Get started
Based on SoFi Members. This claim may not be representative of the experience of all other customers. | Updated: 3/27/2025
See how SoFi could help you get your full financial picture.
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
Budgeting and spending
Set budgets, categorize your spending, and spot upcoming bills with a free budget planner.
Learn more
Property tracking
Track the value of your home and real estate investments right along with the rest of your personal finances.
Learn more
Debt summary
View, organize, and understand your current debt and learn how to better manage it with insights from our free debt tracker.
Learn more
Investment portfolio
See all your investment accounts at once and track how they change with the market.
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
{/* Credit score monitoring image banner WINNER*/}
Knowing your credit score is the
first step to financial wellness.
{/* 4 column RTB with icons */}
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
{/* Testimonials carousel – 5 slides */}
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.
SoFi has been the best tool to save me time, money and helps me accomplish my future financial goals and the best of all it’s all in one app. The setup is simple and you never have to go through several logins to see all your information on one screen.
—Anja C.
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.
SoFi has been incredibly helpful in having a clear, consolidated picture of my finances. A regularly updated credit score encourages me to constantly improve it, while seeing my investments gives me confidence for future goals and retirement. SoFi also keeps me honest when spending money and guides me towards better habits.
—Ethan 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.
{/* FAQ section */}
FAQs
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?
debt summary and more are free to use!
See more FAQs
{/* Learn More resources articles */}
Learn more about budgeting.
See more articles
Master your finances all in one place.
See all your accounts in one free, easy-to-use dashboard.
Get started
