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### Here’s exactly how it works: - Earn up to $2,000+ in bank sign-up bonuses this year - Discover high-yield savings accounts paying 5%+ APY - Start investing with as little as $100 - Track everything with our free dashboard used by employees at Google, Amazon & Tesla
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Average member savings per year
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What You Get – 100% Free
Everything you need to take control of your finances and build wealth faster
Investing for Beginners
Start with $100 – simple index-fund strategy that beats 98% of pros
Compare NowLowest Loan Rates
Compare mortgage, auto, and personal loans with rates as low as 3.5% APR
Compare NowRetirement Planning
Maximize your 401(k), IRA, and Roth accounts with our optimization tools
Compare NowReal Members, Real Results
See how Penny Upward members are earning thousands in bank bonuses and transforming their finances
"I was skeptical but opened the Chase bonus from your list – $300 hit my account 4 days later. Easiest money ever."
"Already made $900 from three bank bonuses in my first month. Wish I found this years ago."
"The step-by-step instructions made it foolproof. Got $625 from SoFi and Citi combined."
"Finally paid off $7,200 in credit-card debt using your debt snowball tracker. Thank you!"
Frequently Asked Questions
Get answers to the most common questions about saving, investing, and building wealth with Penny Upward.
Top picks for November 2025:
Ally - 5.00% APY, no fees
SoFi - 4.60% + $300 bonus
Marcus - 5.15% for new users
Start with $100—no minimums for most. Compare rates daily on our tools page to beat inflation.
Compare rates on our tools pageMembers saved $1,200+ in interest last year.
Three key strategies to boost your credit score quickly:
Pay down utilization below 30% - For example, keep your balance under $300 on a $1,000 limit
Dispute errors - Use AnnualCreditReport.com to find and dispute inaccuracies
Add positive payment history - Become an authorized user on someone else's account with good payment history
Track your progress for free with our credit monitoring tool. Average boost: 50-80 points.
Avoid new hard inquiries during this period as they can temporarily lower your score.
Track your credit score for freeStarting with just $100 is easier than ever:
Open an account - Robinhood or Fidelity (both have no fees)
Buy fractional shares - Invest in low-cost ETFs like VTI (Vanguard Total Stock Market)
Aim for long-term growth - Historical average returns of 7-10% annually
Use our beginner guide to diversify your portfolio—this simple approach beats 98% of professional investors over time.
Risk note: Markets fluctuate; start small and build gradually.
Check out our beginner investing guideOur top recommendations for budgeting apps:
YNAB (You Need A Budget) - Best for zero-based budgeting ($14.99/month with free trial)
Mint - Best free option with automatic categorization
Set clear goals like "save $1,000 emergency fund" to stay motivated.
Our free template download simplifies the setup process. With practice, you can track your spending in just 5 minutes per day.
Download our free budgeting templatesGeneral guideline: Aim to save 15-20% of your income.
Example: If you earn $50,000 annually, target $500-$850 per month
Prioritize accounts with tax advantages like 401(k) or Roth IRA
Always max out employer matching first—it's free money!
Use our retirement calculator for personalized goals based on your age and income.
At a conservative 7% annual return, saving $300/month starting at age 25 can grow to over $1 million by age 65.
The best time to start was yesterday; the next best time is today.
Try our retirement calculatorJoin 1 Million Americans Getting Richer in 2025
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