Here I have collected 25 tools of various kinds but with one main purpose: to help you manage your money and spending better. Best of all, you don't need to spend anything on these tools - they all are either free or have a free version.
Web Apps
Web apps are great because you don't need to install anything on a particular computer. You can access your data from anywhere at any time with any device. Here are some of the best personal finance and spending related web apps:
1. Mint is perhaps the most popular free app used by more than 5 million people. Mint is simple and has modern user interface. It helps you do your budgeting, track your savings, sends timely alerts, and allows easy personalization.
2. Thrive brings together all your financial information, assigns overall Financial Health score, creates monthly budgets, spending goals, and offers pay off debt wizard.
3. Budget Your Trip is a different thing. It's strongly focused on travel and lets you figure out how much you are going to spend on a trip to a given country or city. Then you can plan your travel budget and track your travel spending. The app has pro version for businesses.
4. Texthog is focused on expense reports. You can categorize your expenses, tweet them, run reports. Texthog is available also as an iPhone app.
5. Spendji offers budgeting, cost research, expenses tracking, and collaboration with other users of a group to make easier group decisions.
6. Finance for one is a personal finance app that will be liked by the tech savvy users. It supports tags, quick insert in a single input field, easy in-place edit and is installable as Google Chrome app.
7. SpendBrite is another "budgeting made easy" app with very nice user interface.
Online Calculators:
The financial calculators are simple tools but often can help you make financial decisions that can change your life. For example if you don't plan a debt well you may have to struggle paying it for years to come.
8. This lease calculator will help you figure out monthly lease repayments. It's a good idea to try it before you get a leasing.
9. The gas mileage calculator helps you figure out the cost of any trip with your car. It can be very useful especially if you wonder whether to take a better paying job with longer commute.
10. Here is a mortgage calculator that shows you how much you are going to pay for a mortgage loan. Always compare its results with the numbers that your bank gives you to figure out whether there are any hidden fees.
11. Similarly, the car payment calculator will show you how much you'll have to pay on your car. Use it together with the mileage calculator to figure the total cost of owning your car excluding the maintenance costs and taxes.
Browser Extensions
These little tools can often do great work. One of the main advantage of browser extensions is that they are always handy - you don't need to open a specific web page or a program as long as your browser is open.
12. Quickrr Currency Converter is a simple currency converter for Google Chrome. The exchange rates come from Google Finance.
13. Price Droid gets the lowest price from hundreds of sites while you are shopping online. It's an excellent way to save money. Just don't forget price isn't everything and buy only from reliable suppliers. Extension for Google Chrome.
14. Ciuvo works in simlar way. It provides the best price, relevant information, pictures, customer reviews etc. Ciuvo is a Firefox extension.
15. Firebux is a Firefox extension that works with the Buxfer web app. It downloads information from your banks and credit cars and allows to track your accounts through the Firefox sidebar.
16. Savings Account Rates Monitor tracks savings rates from a bank. It's a Firefox extension.
Desktop Apps
The good old well known "programs" that we install on our computers are still here. With all the web and mobile apps they are no longer the only option for tracking your spending, but desktop apps often remain the best in terms of speed, performance and user interface. Here are some good free ones that will help you manage your spending:
17. Buddi is free GPL licensed software for personal budgeting. The program is available on Windows, Mac, Linux and even as source code.
18. PLCash helps you manage personal finance accounts, create and run reports, track investments, print checks and more. It has versions for Windows and multi-platform Java version.
19. AceMoney Lite is the free version of AceMoney. It is very useful to track your spending habits, create and manage budgets, and even do e-business. The software is available for Windows.
20. Grisbi is yet another personal accounting app. It's simple and easy to use but still allows managing multiple accounts, financial years, and more. Grisbi is available on many Linux platforms, on Windows, on Mac, and as source code.
Mobile Apps
Mobile apps are getting more popular with every day. I have selected few of the best ones for the most common mobile platforms - Android and Apple's.
21. Expensify lets you import expenses from a credit card or bank account, use automated receipt scanning, and run reports. It's actually a web app which is also available on iPhone/iPad, Android, WebOS and BlackBerry.
22. Balance is an app for iPhone/iPad/iPod that lets you keep track on the balances of all your accounts. The basic app is free and there is a paid Pro version.
23. Expense Manager is a free app for Android. It lets you track incomes and expenses, schedule payments, import and export activities, and more.
24. Money Manager is a small finance apps showing how you spend your money. It is ad supported, available for the Android plaform.
25. Financial calculators is an Android app that combines currency converter, loan calculator, credit card payoff calculator, and more.
There is no shortage of free tools and apps out there and you risk nothing by trying them, so just go ahead.
About the author: Bob manages The Shark Investor blog where you can find another free financial tool - the investment calculator
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