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NerdWallet was founded in August 2009 by Tim Chen and Jacob Gibson, with an initial capital investment of $800. Its first product was a web application that provided comparative information about credit cards. Subsequently, it generated large quantities of content to help boost its search engine results. Website traffic grew quickly in 2010 and, by March 2014, the website had up to 30 million users. The following year, it raised $64 million in its first round of funding, at an estimated valuation of $500 million.
In 2016, the company acquired the retirement planning firm AboutLife, and was valued at $520 million.
In August 2020, the company expanded its footprint into the UK by acquiring Know Your Money, a Norwich-based startup that provides a similar range of comparison and information tools geared at people who live in the UK In November 2020, NerdWallet acquired small business loan marketplace, Fundera.
In November 2021, the company went public on the Nasdaq stock exchange.
In July 2022, NerdWallet acquired On the Barrelhead, a consumer debt robo-advisor platform, for $120 million. In May 2023, Yahoo! Finance reported that NerdWallet's platform had an average of 23 million monthly users.
In October 2024, NerdWallet bought the brokerage firm Next Door Lending. In June 2025, NerdWallet expanded its wealth management services through its acquisition of Future You Wealth.