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Written by Sam Pennington on August 13, 2021
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SmartAsset Review 2021: Best Source Of Financial Education?

Life is full of decisions, some bigger than others. Some decisions can impact you for years to come. While others, though they may not have lasting impact, are confusing and tedious.

Financial decisions often carry this weight. Either they can make a large impact on your life or they are highly confusing.

From filling out a W-4 to buying a house, there ought to be a singular source of information for all of life's confusing and challenging financial decisions.

Perhaps this source exists! Smart Asset was created to help people with all of life's financial decisions. Maybe they can help you. In this article, we take a look into the company and provide a complete SmartAsset review.

smart asset money to work

SmartAsset Review: Highlights

  • Access to SmartAdvisor Match - resource used to connect individuals with local financial advisors
  • Over 20 online, interactive calculators to prepare you for financial choices
  • Guides, SmartReads (blogs), and Reviews available for all of life's personal finance decisions
  • Smart Asset offers its resources to anyone completely free
  • 100 millions web users every month
SmartAsset Summary
  • Price
  • Platform Navigation
  • Resources
  • Education
  • Reviews


SmartAsset was created as a solution to help people make better financial decisions. Since its launch in 2012, the company has reached millions of individuals.

The platform offers clients free access to calculators, guides, reviews, and blogs in order to provide education about all things personal finance.

SmartAsset also has a feature called SmartAdvisor Match that pairs individuals with local financial advisors. With a short questionnaire, SmartAsset is able to pair a client with an advisor that is well-equipped for their unique situation.

The entire platform is offered to people for free. Go check it out today!


  • Platform is completely free to use
  • SmartAsset is simple to navigate


  • Limited in the number of reviews they offer

What is SmartAsset?

SmartAsset is a financial services company that provides education, tools, and connections that empower individuals to make strong financial decisions. The company was founded in 2012 and currently has roughly 100 million users every month.

"We are committed to publishing the most accurate and actionable advice, personalized calculators and educational tools to help people navigate life’s big personal finance decisions."

The company provides guides, calculators, tools, and information about all of life's financial decisions. The best part? It's all completely free. They don't even require an email to use their tools. So what's the catch? How does the company make money?

One of the services they provide is connecting individuals to financial advisors. While this connection is free for the individual, the company does charge the advisors for the referrals. More on this later.

SmartAsset Features

When Michael Carvin, CEO and founder of SmartAsset, was buying a home, he learned firsthand of the complexity of the process. He also learned that even with calculations and careful planning, he still had a few surprises in the process. Because of this, he set out to create a platform that could provide first class education and information that could help individuals best prepare for life's most challenging financial decisions.

Smart Asset offers individuals a number of features that can truly make tough or tedious financial decisions or activities less stressful. The best part is that all of these features are completely free! Let's take a closer look at a few of them here.

SmartAdvisor Match

SmartAsset created a platform that connects investors with financial advisors near them. Using a patented algorithm, SmartAsset suggests 3 financial advisors near you that are qualified for your unique situation.

The process is fairly simple. First, you will answer a few questions detailing your situation and what you are looking for in a financial advisor. Second, you will be offered up to 3 certified financial planners (CFP) in your area. Third, you can set up an appointment using SmartAsset's concierge tool.

The short survey will ask you questions about your retirement plans, life status, investment goals and advisor preferences. Using this information, SmartAsset is able to pair you with a financial planner best suited to your needs.

If you are not interested in moving forward or do not want to book an appointment, then there is no obligation.

The CFPs that you are matched with are carefully vetted. In order to be added to SmartAsset's network, they must be registered as an investment advisor with the Securities and Exchange Commission (SEC) or the appropriate State regulator. They also carefully verify that they actually have the license they claim to have.

Once you’re matched, you can expect to be contacted by an advisor within a couple of business days.

smart asset how it works

Tools and Calculators

For many, a financial advisor may not be the solution they are looking for. SmartAsset can still help. The platform has a plethora of tools and calculators available to anyone for free. Each one of these calculators is simple and straightforward to use. After entering in a few inputs, your results will be shown.

These calculators include the following:

Home Buying Calculators:

Tax Calculators:

Retirement Calculators:





We live in an age of information. And it's everywhere. The problem is that some of it may not be accurate, and it's challenging to know which information is good and which is bad.

SmartAsset strives diligently to provide the most accurate and up to date information. With that, they provide a number of guides and educational resources. From more basic ideas about filling out a W-4 to more complex subjects like refinancing a home, SmartAsset has thousands of pages filled with information readily available.

Each of their guides are completely free. They don't even require an email subscription!


In addition to guides, SmartAsset also provides a number of reviews on banks, credit cards, and various investment vehicles. They take an unbiased approach in order to present the most accurate information possible.

SmartAsset SmartReads

SmartReads in SmartAsset's blog. They have hundreds of blog posts about various personal finance topics. It might be easiest to use the search bar to find what you need!

SmartAsset Review: Final Thoughts

Unfortunately, many of the financial decisions we make in life are not taught to us in schools or universities. Without organized education regarding such important topics, we see thousands of different sources of  information. Some of these sources offer accurate information while others do not. The challenge is sifting the good from the bad.

SmartAsset was created with this dilemma in mind. The founders wanted to create a resource to help individuals feel equipped to make smart financial decisions.

The platform features a massive number of tools and calculators that prepare individuals for upcoming decisions. They also have extensive guides and reviews which provide excellent information.

SmartAsset is completely free to individuals online. Each tool and guide is offered without anything in return. This is one of the reasons the platform has been so successful. So, how can they offer all of this education for free?

In addition to guides and other resources, SmartAsset also offers clients an opportunity to be paired with certified financial planners near them. Individuals will fill out a form and be paired with local advisors that are best equipped to assist them in their unique situation. SmartAsset makes money through fees charged to advisors in their network.

If you are interested in learning more about certain upcoming financial decisions, then check out SmartAsset. The platform is simple to navigate and is totally free.

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smart asset review
Article written by Sam Pennington
Sam is a personal finance writer. While in college, he dedicated his spare time to learning about personal finance, investing, and real estate. Sam currently works as a business analyst for one of the top food manufacturers in the world.

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