CreditU is a new money management app built from the credit counselor's perspective by American Consumer Credit Counseling. It helps users track and make progress towards their goals and offers suggestions on how to achieve them.
CreditU has a free version and Premium, which comes with a 30-day free trial. Its AI chat can answer financial questions and generate resources and advice based on your input.
CreditU aims to improve your financial situation and help you reach your goal through personalized tips. You can define your specific financial goals, and see the milestones or action steps necessary to get there.
The app has a game-like aspect where users earn rewards, or XP, for completing milestones, and earn different badges, which shows progress. It doesn't give you direct access to credit counselors, and the recommendations can also feel generic.
You can also customize your account to get the most help on what you need, but it does not support shared expenses and may be less useful for a household budget.
The free version of CreditU gives you access to two calculators: a savings calculator and a debt management calculator. You can also find other free calculators online.
While the app doesn't replace live credit counseling, it gives free and trustworthy advice without advertisements or hidden sales pitches. It's recommended for anyone who wants to learn about managing money or make progress towards financial goals.