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25 Online Money & Budget Tools You’ll Love

Handling debt isn’t always easy, especially when you have a lot of it. Even if you don’t own one single credit card, you can still benefit from having online budgeting and debt tools to help you determine where your money is going. When you have a clear view like this it is easier to manage your money overall, and save more in the long run.

Here are some of the online money and debt tools we like, in no particular order:

1. Dave Ramsey’s Gazelle Budget Lite

This calculator has you start with your income and then it goes through your daily expenses one by one. Once this is done, you can get the kinds of budgeting tips that you need for your specific situation. You can sign up for 37 day trial if you’d like to test it out before having a monthly membership.

2. Mint

If you are looking for a very user friendly budgeting program, this online resource is one of the best you can find.  It does all the work to organize and categorize your spending for you.  You can also set goals for what you want to accomplish with your money as well.  Resources like three advice, reminders, and encouragement also keep you on the right track.

3. Daily Cost

Iphone users will love that this intuitive app that quickly creates new categories for you.  The charts for helping determine where your money is going are very user friendly and visually appealing.  You also have options to customize the color and design of the app itself.

4. Pay Off

This resource is more specifically to help you get out of credit card debt.  Created in 2009, the team here wants to give people easy ways to pay off their debt in a timely manner.  You can sign up for the free, and a track your all your bank accounts and credit cards in one simple place.

5. Quizzle

This resource gives you a way to track your credit score and your report as well as improving your credit so you can save money.  In this day and age with so much identity theft happening, being able to monitor your credit is essential to maintaining a healthy credit score and identity.  This service is also free.

6. Pocketbook

This is another personal finance app that allows you to manage your financial accounts, set reminders, work towards goals, and more. They seem to provide an nice user experience, and it’s free!

7. Toshl Finance

This is a wonderful app to keep track of where your money is going, as well as setting up a realistic budget.  It also has some fun graphics and visualizations to keep you entertained.  Aside from that, you get bill reminders as well as trusting in a secure and private application.

8. Tricount

Tricount is your go to solution for organizing group expenses.  This would be a very good resource for those that travel in groups frequently or perhaps even those that have roommates and need to share and track expenses.

9. Check

This easy app does all of the work for you by staying on top of your bills, bank accounts, and credit cards, as well as investments.  Notifications are set to let you know when funds are low or your bills are due.  This way, you can rest assured that you will pay every bill on time.

10. SaveUp

Save Up has access to hundreds of banks and credit unions so you can keep track of your finances easily.  You are given an accurate financial outlook that includes your personalized challenges, and educational tips so you can spend less money.  Our favorite feature to this program is that every time you save money you earn credits.  These credits can then be used for prizes like travel, cars, or even cash.

11. Ready For Zero

With this free resource you can link all of your accounts to create a plan to manage and pay off your credit cards, any mortgages, and loans like auto or student.  Tracking your finances is very easy and user friendly, and you also get the added benefit of being able to track your credit score.  Making payments online is also another beneficial feature we like.

12 LearnVest

We really like the option to build a portfolio with this program, as well as creating a five year plan, and having access to a budget starter.  This seven step program covers all areas of managing debt and money.  It tracks your progress in all applicable areas so you get a good overall view of your finances.

13. PowerPay

You can develop a very personalized self-directed debt elimination plan which is designed to save you lots of money in interest costs.  This program teaches you how to make power payments, compares what you spend against what is recommended by financial experts, it can project the type of savings you are able to create, has a user friendly calculator for costs, and gives you lots of educational resources as well.

14. Undebtit

By plugging in all of your debts, this program uses the debt snowball technique.  This lets you focus on the debt you have with the smallest balance first.  Once that is paid off it encourages you to take that payment and add it to your next lowest debt balance.  In time, you will see just how quickly you are paying off all your debt.

15. Easy Money – Money manager

Available in the Google Play Store, this app gives you an expense manager, a bill reminder, as well as a checkbook register so you can plan your budget.  Tracking bills and daily expenses is quite user friendly, and this is a highly rated app.  Reminders are also issued when bills are due so you never miss a payment.

16. Level Money

Available on ITunes, Level Money lets you track your daily cash flow and stay on top of your finances.  It links to your bank accounts and updates your transactions when the banks to so you never have to make adjustments yourself.  It provides easy and simple ways to view your cash flow and anticipated savings.  It is also free.

17. Buxfer

Not only can you sign up for free, you can try a live demo to determine if Buxfer is really something you would like to use.  It downloads and categorizes all of your expenses from your bank accounts and credit cards.  As with many others, it has options for notifications so you can pay your bills on time, as well as tracking your finances.

18. Money Strands

We really enjoyed using this to create a 12 month spending plan that only took us a handful of minutes.  With the capacity to import all of your banking activity, you are not required to enter in any excess information.  You are able to monitor your spending, create a reasonable budget, as well as set upcoming bills in a calendar. Available for iPhone.

19. Budget Tracker

Since many people are not comfortable linking their bank accounts to an online or mobile application, Budget Tracker is a great resource.  They give you the option to manually enter your transactions or download them in a batch from your financial institution.  We really like that you can create all your own applications that are specifically tailored to your needs.

20. Budget Pulse

This program does the same basic things that many of the others do; however we really like how it allows you to set financial goals and then share them with friends or family as needed.  It tracks your progress and any donations you make using Paypal or Amazon so can reach your goals.  So, not only does it give you budget tools, it also gives you a way for personal fundraising.

21. Mvelopes

Mvelopes gives you an old school way of saving money.  Don’t get us wrong, it does allow you to track your expenses and links to your accounts, but with the envelope saving technique, you are able to put small amounts of money into separate all envelopes like clothing, or entertainment, among many others.

22. Suze Orman Debt Eliminator

With this system, you have the tools to eliminate debt, track your expenses, see what your compounding interest is on debts, have access to an average cost basis analyzer, as well as a mortgage refinance calculator.

23. Budget Simple

You can easily set up a free account so you can manage your debt, or start saving adequately.  The program analyzes your finances and creates a budget planner that you can edit as needed.  Many people get frustrated with online debt and budget tools because they are overly complicated.  The one thing we love the most about Budget Simple is well, it’s simple!

24. Billster

This is also a free online budgeting tool.  Aside from the basic budgeting features, it offers you the option of managing share expenses.  This is ideal for those that share a home and split expenses with others throughout the month.


This free resource gives you articles and tools to help you save time and money.  You simply tell them about your situation so they can customize an analysis for you.  You then compare five different debt options that fit your specific situation, then can choose the recommended solution and get started with debt help.

Bonus – Venmo

Venmo offers a great way to easily transfer funds between friends. No more worrying about owing anyone money. Venmo makes it easy to pay your friends in a world where cash is being used less and less.

  • Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
  • Negotiates with your creditors on your behalf.
  • Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
  • Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
  • Combines all your debts and creditors into one monthly payment.
  • Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
  • You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
  • Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
  • Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
  • Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
  • Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
  • Borrowers can receive funds from their loan within only a few days.


  • What is the most important feature when choosing a company to consolidate your debt? (Check all that apply)

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