Compare the best services, ranked by a method you can read
Clear, answer-first comparisons of the best-known providers in 14 categories. Every ranking uses our published editorial methodology, and we tell you how we make money.
Pick a category
How we score providersPersonal Loans
SoFi is our top pick for personal loans because it lets you check your rate with a soft credit inquiry, offers autopay and member rate discounts and publishes an unemployment protection program.
Top pick: SoFi · 9.3/10Compare 10 personal loan optionsDebt Relief
Freedom Debt Relief is our top pick among debt relief companies because it publishes its fee range, collects fees only after you approve a settlement and offers a written Program Guarantee.
Top pick: Freedom Debt Relief · 9.2/10Compare 8 debt relief companiesTax Relief
Optima Tax Relief is our top pick among tax relief companies because its team includes tax attorneys, it lists the full range of IRS resolution services and it publishes the conditions of its money-back guarantee in plain words.
Top pick: Optima Tax Relief · 9.1/10Compare 7 tax relief companiesMortgage Refinance
Rocket Mortgage is our top pick for refinancing because it covers rate-and-term, cash-out, FHA, jumbo and VA streamline (IRRRL) refinances, publishes sample refinance rates with APR and assumptions, and offers a refinance estimate its site says has zero credit impact.
Top pick: Rocket Mortgage · 9.2/10Compare 8 mortgage refinance lendersAuto Loan Refinance
RateGenius is our top pick for refinancing a car loan because it explains clearly when it uses a soft credit inquiry and when it runs a hard one, and it works with a large network of lenders.
Top pick: RateGenius · 9.1/10Compare 8 auto refinance companiesMoney Transfers
Wise is our top pick for sending money abroad from the US because it says it converts at the mid-market exchange rate and shows its fee separately, so the full cost is easy to see.
Top pick: Wise · 9.4/10Compare 8 money transfer servicesWeb Hosting
Hostinger is our top pick for most new websites because it pairs an easy custom control panel with performance features such as LiteSpeed servers and caching, plus a clear upgrade path from shared to cloud and VPS plans.
Top pick: Hostinger · 9.3/10Compare 10 web hostsPassword Managers
Bitwarden is our top pick for most people because it pairs an always-free plan with open-source, end-to-end encrypted apps on every major platform and publishes its third-party security audits.
Top pick: Bitwarden · 9.4/10Compare 7 password managersAntivirus Software
Bitdefender is our top pick for antivirus software because it pairs strong core protection features with a light footprint and a regular presence in independent lab testing.
Top pick: Bitdefender · 9.4/10Compare 10 antivirus suitesOnline Therapy
BetterHelp is our top pick for online therapy because it offers messaging, live chat, phone and video sessions with licensed therapists and makes it easy to switch therapists if the first match is not right.
Top pick: BetterHelp · 9.3/10Compare 7 online therapy servicesStreaming Services
YouTube TV is our top pick for most cord-cutters because it combines local channels in most US markets, a broad cable-style lineup, an unlimited cloud DVR and a simple app on almost every device.
Top pick: YouTube TV · 9.3/10Compare 8 streaming servicesBusiness VoIP
RingCentral is our top pick for business VoIP because it pairs a deep set of calling features with messaging, video meetings and a very wide range of integrations in one platform.
Top pick: RingCentral · 9.3/10Compare 9 business VoIP providersDNA Tests
AncestryDNA is our top pick for most people because it pairs an autosomal ancestry test with strong relative matching and family tree tools in one place.
Top pick: AncestryDNA · 9.3/10Compare 7 DNA testsPsychic Readings
Kasamba is our top pick for online psychic readings because it combines a large, filterable advisor directory with chat, phone and email readings and clear per-minute pricing shown before you connect.
Top pick: Kasamba · 9.4/10Compare 10 psychic reading sitesHow we rank
Every score is our own editorial score out of 10, built from weighted criteria we publish for each category. No user ratings, no paid placements in the scores.
We pick well-known providers
Each category covers the providers a typical US customer is most likely to consider.
We research public facts
Plans, sign-up flows, help centers and published policies, not marketing claims.
We score weighted criteria
Each category has 4-6 criteria with published weights, combined into one editorial score.
We explain every score
Each review shows the reasoning behind its score, plus honest pros and cons.
Latest guides
All guidesAncestry vs Health DNA Tests: Which Do You Need?
How ancestry DNA tests and consumer health DNA reports differ, what each can and cannot tell you, and how to choose the right kind of test for your goal.
Auto Loan Refinance guideAuto Refinance Fees and Add-Ons, Explained
What fees come with refinancing a car loan, how GAP and service contracts work, and how to check that add-ons and fees do not cancel your savings.
Money Transfers guideBank Wire vs Online Money Transfer Service: Which Is Better?
Compare international bank wires with online transfer services on cost, exchange rates, speed, delivery options and safety, and learn when each makes sense.
Web Hosting guideBest Web Hosting for Small Business: How to Pick the Right Host
Which web host suits a small business? We compare Hostinger, SiteGround, Bluehost, IONOS and more on ease of use, support, backups and renewal pricing.
Debt Relief guideDebt Relief vs Debt Consolidation Loan vs Credit Counseling
Compare debt settlement, debt consolidation loans, nonprofit credit counseling and bankruptcy: how each works, what it costs, its credit impact and who it suits.
Antivirus Software guideDo You Still Need Antivirus Software?
Windows and macOS now include built-in security. Here is when built-in protection is enough, when a paid antivirus suite adds real value, and what to check.
Online Therapy guideDoes Insurance Cover Online Therapy?
Whether health insurance covers online therapy, which services work with some plans, how out-of-network reimbursement works, and the questions to ask your insurer.
Password Managers guideFree vs Paid Password Managers: Which Do You Need?
Free password managers like Bitwarden and Proton Pass cover the basics on every device. Paid plans add sharing, family plans, extras and support. Here is how to choose.
Tax Relief guideHandle the IRS Yourself or Hire an Enrolled Agent, CPA or Tax Attorney?
When to deal with the IRS on your own and when to hire an enrolled agent, CPA or tax attorney, plus free help options and how to check credentials.
Psychic Readings guideHow Do Online Psychic Readings Work?
How online psychic reading sites work: advisor marketplaces, per-minute billing, intro offers, reading formats and how to keep costs and risks under control.
Business VoIP guideHow to Choose a Business Phone System
A practical checklist for choosing a business phone system: decide what type you need, list must-have features, compare contracts and test before you commit.
Personal Loans guideHow to Compare Personal Loan Offers
Compare personal loan offers the right way: look at APR, origination fees, the amount you actually receive, term length and total cost before you accept.
Streaming Services guideHow to Cut the Cord: A Step-by-Step Checklist
A practical checklist for cancelling cable or satellite TV: list what you watch, check locals, pick a streaming service, test it, then cancel without surprises.
Mortgage Refinance guideRate-and-Term vs Cash-Out vs Streamline Refinance: Which One Fits?
Compare rate-and-term, cash-out, FHA streamline and VA IRRRL refinances: what each one does, who qualifies, typical paperwork and when a HELOC is the better choice.