Money, made pragmatic.
One app to save, invest, and borrow — with clear numbers, honest rates, and zero fine-print surprises. Built for people who want their money to actually make sense.
No account fees. No minimum balance. Cancel anytime.
Every part of your money, in one place.
No more juggling five apps and three logins. Pragma Money brings saving, investing, borrowing, and tracking together — so your whole financial picture actually adds up.
Invest
Automated portfolios or pick your own — start building wealth with as little as $1.
Learn moreInvesting that adapts to you.
Whether you want Pragma to build and rebalance your portfolio automatically, or you'd rather pick your own stocks and funds, it's the same low-friction experience — with fractional shares so every dollar gets to work.
- Automated rebalancing, tuned to your goals
- Fractional shares — invest any dollar amount
- No advisory fee on balances under $10,000
Savings that actually grows.
Split your savings into Vaults for the things you're actually saving for — emergency fund, travel, a home. Each one earns the same high yield, and round-ups move spare change in automatically.
- 4.50% APY on every Vault, no minimum balance
- Round-up savings from everyday purchases
- Unlimited free transfers, zero monthly fees
Borrow without the runaround.
Check your rate in minutes without affecting your credit score, then move forward with a fixed rate and a payment you can actually plan around. Funds can arrive as soon as the next business day.
- Pre-qualify with no impact to your credit score
- Fixed rates, fixed terms — no surprises later
- No origination fee on qualifying loans
Your money, protected by design.
Security isn't a feature we bolted on — it's the foundation everything else is built on top of.
Bank-level encryption
256-bit encryption protects your data in transit and at rest, on every screen of the app.
SIPC-member custody
Invested funds are held in custody through SIPC-member partners, separate from company assets.
Always-on monitoring
Multi-factor authentication and 24/7 fraud monitoring watch every account, automatically.
Don't take our word for it.
Real feedback from people who moved their financial life to Pragma Money.
"Pragma finally made investing make sense to me. I moved my accounts over in a week and haven't looked back."
"Got pre-qualified for a personal loan in under three minutes, and the funds hit my account the next day."
"The savings Vaults are genius — I've saved more in four months than all of last year combined."
Frequently asked questions.
Is my money safe with Pragma Money?
Yes. Deposits are held with partner banks and invested funds are custodied through SIPC-member partners. Every account is protected with bank-level encryption and 24/7 fraud monitoring.
What does Pragma Money cost?
Save and Track are free, with no monthly fees or minimum balance. Invest has no advisory fee on balances under $10,000. Borrow has no origination fee on qualifying loans.
How fast can I get a loan decision?
Most members get a decision in minutes after pre-qualifying, with no impact to their credit score. Once approved, funds can arrive as soon as the next business day.
Is there a minimum to start investing?
No — start with as little as $1. Fractional shares mean every dollar you add goes to work right away, whether you choose automated or self-directed investing.