LGBTQ+ Personal Finance Guide

LGBTQ+ individuals and couples may face unique financial and legal considerations when planning for life’s important events. We’re here to help you navigate them.

NerdWallet's top picks

How to Build an LGBTQ-Friendly Investment Portfolio

How to Build an LGBTQ-Friendly Investment Portfolio

Not all investments are about the return. If you’d like your portfolio to focus more on companies that give back to the LGBTQ+ community, here are a few ways to start.

Did you know?

The State of LGBTQ+ Finances

According to a 2021 Williams Institute survey, members of the LGBTQ community are 12.2 percentage points more likely than non-LGBTQ community members to have federal student loan debt. Moreover, 2021 research by the Human Rights Campaign found that LGBTQ+ individuals are 6 percentage points more likely to live in poverty and that they earn, on average, approximately 89 cents for every dollar earned by their non-LGBTQ+ counterparts.




Estate Planning 101 for LGBTQ+ Couples

Estate Planning 101 for LGBTQ+ Couples

Most couples can benefit from estate planning to ensure their assets land in the right hands after they die and their health care wishes are followed. But LGBTQ+ couples might have special situations that require extra planning. Here are six steps couples can take to get started with estate plans.

How LGBTQ+ Americans Can Overcome Barriers to Building Credit

How LGBTQ+ Americans Can Overcome Barriers to Building Credit

On top of potential family and social rejection, the LGBTQ+ community is at heightened risk of financial insecurity because of widespread discrimination in education, hiring and housing. LGBTQ+ people report lower than average credit scores. Here's why that is a problem and steps to overcome.

How to Get PrEP With or Without Insurance

How to Get PrEP With or Without Insurance

The CDC has said that PrEP is a key prevention strategy for its ending the HIV epidemic in the U.S. initiative. So why doesn’t everyone who could benefit from PrEP take it? Money is a major factor. Here's how you can get the medication, with or without insurance.

How to Find an LGBTQ-Supportive Financial Advisor

How to Find an LGBTQ-Supportive Financial Advisor

Personal finance can feel especially daunting to members of the LGBTQ+ community, who have faced exclusion and discrimination from their families and financial and government institutions. Finding an advisor who is both culturally and financially competent can help you identify and execute your financial and life goals.

Neobanks That Show Up for Their Communities

Neobanks That Show Up for Their Communities

Big banks design their services for a broad customer base, but in doing so, they can fall short of serving the needs of historically marginalized communities. Here’s a look at four neobanks — including Daylight, a neobank focused on serving the LGBTQ+ community — that are on a mission to make a difference.

Additional resources

Lambda Legal
A civil rights organization with a focus on LGBTQ+ communities.

SAGE
SAGE offers help to older adults in the LGBTQ+ community.

National LGBTQ+ Bar Association
A nonprofit association of legal professionals who aid and promote legal justice for the LGBTQ+ community.

National LGBT Chamber of Commerce
Members of the NGLCC help people in the LGBTQ business community.

StartOut
StartOut offers events, resources and mentorships to inspire, educate and support LGBTQ+ entrepreneurs.

GLAAD
GLAAD serves as the media advocacy organization for the LGBTQ+ community.

Human Rights Campaign
The HRC is a civil rights advocacy group.

Manage your financial goals with expert help

Sign up for an account to see your money in one place, find new ways to grow it and gain access to the tools and insights you need to hit your goals — all for free.