Personal Finance should be EASY.

njars is short for not just another rocket science.

On just this one page, we show you the easiest way to take your personal finance to the next level. The products shown on the page strike a balance between cost and benefits and hopefully, add value to your personal finance success.

In the meantime, you can find out more behind the page at our blog.

Personal Finance Unbundled

If you are comfortable with multiple service providers for your personal finance needs.


LendingClub Bank

  • Earn 1% cash back on your debit card spending
  • Get Paid Up to 2 Days Early
  • Free ATMs Worldwide
  • Earn interest on balances in your account
Get started for FREE



  • $0 Commission for Stock, ETF and Options
  • No Deposit Minimum
  • Crypto trading available
  • Friendly for tendies with limit order as default
Get started for FREE

Credit Card

Capital One Venture X

  • $395 Annual Fee
  • Earn double miles or more on every purchase
  • Complimentary PriorityPass membership
  • No Foreign Transaction Fees
Get started for FREE

Personal Finance Bundled

If you prefer one service provider for one-stop personal finance needs.

Something Extra

Low-cost ETFs

  • BKLC: S&P500 alternative, 0% mgmt. fees
  • VIG: Balanced US dividend stock index
  • KOMP: Low-cost exposure to new economies

Robo Advisor

Schwab Intelligent Portfolios

ZERO-fee robo-advisor help you invest for retirement, college, vacations, building long-term wealth, or creating a sustainable income stream.

Get started