1. Honey Money

Honey Money has a great affiliate program, with the added bonus that their sign-up progress is quick and easy so you won’t have to put too much effort in on your end.

Honey Money works by taking data that users input manually and projecting their cash flow, as well as showing how their spending and income has changed. 

While it’s a budgeting tool first and foremost, it works very well in this role. It’s also quite flexible, allowing your readers to customize the tool around their needs.

The app is browser-based, though it does offer a mobile app as well. This means that you’re able to access your data from multiple devices, but will likely struggle without an internet connection.

Bear in mind that payouts are reasonably small, with a reward of $3 per month for 5 months if you refer a user to a monthly plan, or a flat $15 if you refer a user to an annual plan.

2. You Need a Budget (YNAB)

You Need A Budget is a very well-known budgeting tool that puts forward a particular method for its use, and gives users clear directions and instructions on how to manage their money.

Their affiliate program is a little bit more difficult to get into than some of the others we cover in this article, however. You’ll need an audience of at least 24,000 visitors in order to get your foot in the door!

However, unlike some other affiliate programs, YNAB pays out for potential customers who start free trials. This means you’ll potentially get more of your readers signing up, and that leads to more money for you!

YNAB pays $6 per free trial sign-up, which increases to $8 once you hit 100 users in a month, and $10 after you reach the 200 mark in a month. Payouts reset monthly.

3. Moneyspire

Moneyspire is a downloadable program for mobile, Windows, and Mac. With so many platforms, there’s also plenty of support available for different technologies!

The Moneyspire affiliate program pays out $6.75 per signup, which is a reasonable cut of their total membership cost at 15%. The referral period lasts for 45 days, too, which is a reasonable amount of time.

If you’re new to affiliate marketing, Moneyspire’s website also provides free tutorials and tips on how to be successful in the field.

4. Personal Capital

Personal Capital offers multiple services, but this one specifically relates to their investing programs.

The company manages an investment portfolio for its clients and provides personalized service and discussion around each client’s investment.

Their affiliate program is an all-or-nothing scenario. If one of your readers signs up with $100,000 in capital, you’ll receive $100.

If they don’t meet that category (over or under, by the looks of things) then you’ll get nothing.

Still, with a reasonable cookie window of 30 days for referrals, this might be worth it — particularly if your content is focused on investing.

5. Rocket Dollar

Rocket Dollar offers 15% of the total sale when a customer is referred by one of your affiliate links, with a 30-day cookie window for this to occur.

That ends up being around $50 for the lower tier of membership, assuming that the setup fee also contributes to the 15%.

The service aims at non-traditional investing, including in property, cryptocurrency, and other novel methods.

They also allow customers to bring their own concepts for particular investments and work with these.

6. Acorns

Acorns is targeted at the casual investor, with a phone app that allows investing on the go with small contributions initially.

Their affiliate program has a 30 day cookie referral window, along with seasonal promotion options.

By default, it will only pay out to you when the user makes their first deposit in the program, at which point you will receive $10.

Although this doesn’t look like much, their memberships are charged at a maximum of $5 a month, so for the amount of money your readers are putting in you’re getting a pretty good return.

This lower cost also means that your readers are more likely to click through, compared to some of the other investing affiliates that we’ve looked at so far.

7. LifeLock

LifeLock is, on the surface, not a particularly relevant affiliate program for personal finance. Aren’t these the same people who run antivirus programs?

Well, yes. However, LifeLock also allows your audience to track their credit score, and helps them ensure that it isn’t being tanked by any bad actors impersonating them through various transactions.

Their affiliate program offers up to 20% returns on any sign-ups they receive, which can work out anywhere between $2–$50 depending on which product your readers buy.

This means it has the ability to net you some income for a wide range of audience spending, which can be difficult to find in an affiliate program!

The service also provides a 30-day cookie window to ensure that your affiliate links have plenty of time to work.

8. Credit Sesame

Credit Sesame provides a simple way for users to track their credit score day-to-day, and make sure their clients are aware of the transactions taking place.

Their affiliate program pays out between $3–$6, which you’ll receive even though your readers are signing up to a free program!

A significant portion of your readers should take you up on the service, as there is little buy-in on their part. This in turn will increase the number of referrals you’ll likely make!

9. National Debt Relief

National Debt Relief helps clients improve their situation with debt, making plans for them to pay off their debts in a timely manner and improve credit scores.

Their affiliate program has a few conditions on it, but it pays very well. 

The conditions include needing to have $10,000 in unsecured credit card debt, be from a valid state, and be actively looking for help with their debt. However, even with all of this, the $27.50 payout for each referral may make this affiliate very worthwhile.

National Debt Relief has a wide range of referral acceptance across the United States. No matter where you’re based, this is an affiliate program that can work for you!