FREE Online Money Management Apps for Investing, Budgeting, Credit, and More

We list the best FREE online money management apps to manage income, expenses, cash flow, investments, credit scores, and more.
Advertising Disclosure.

Advertiser Disclosure: The Military Wallet and Three Creeks Media, LLC, its parent and affiliate companies, may receive compensation through advertising placements on The Military Wallet. For any rankings or lists on this site, The Military Wallet may receive compensation from the companies being ranked; however, this compensation does not affect how, where, and in what order products and companies appear in the rankings and lists. If a ranking or list has a company noted to be a “partner,” the indicated company is a corporate affiliate of The Military Wallet. No tables, rankings, or lists are fully comprehensive and do not include all companies or available products.

The Military Wallet and Three Creeks Media have partnered with CardRatings for our coverage of credit card products. The Military Wallet and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities. For more information, please see our Advertising Policy.

American Express is an advertiser on The Military Wallet. Terms Apply to American Express benefits and offers.

Managing your finances is one of the most important things you can do to get ahead and stay ahead of the financial curve.

Several years ago, money management software was dominated by Quicken and Microsoft Money, both of which were only offered in desktop versions you had to purchase.

Microsoft later shut down MS Money, and Quicken dominated the scene. Quicken is still around, but now there are many free Quicken alternatives available, some of which offer additional features and benefits not offered by Quicken.

Thankfully there are some excellent, and free, online tools to help you quickly and easily manage your finances.

Here, we will cover the best free online money management tools to help you organize and manage your finances, investments, credit scores, and financial documents.

Qualifications for this list. The following online money management tools are listed because they meet several criteria, namely, they are free, online, and they are secure.

In most cases, the companies use the same standards as required for online banking, and in some cases offer a higher level of security.

Financial Money Management Tools – Account Aggregators

The easiest way to manage your money is to see everything in one place. That is where these account aggregators come into play. The following tools allow you to track your finances in one place.

Most of them will securely log in to your financial accounts, download your recent transactions and balances, and display that information so you can see how much money you have, how much you owe, how your investments are doing, and when your bills are due.

Then you can use this information to make informed decisions and create a budget that works for you.

Empower (Formerly Personal Capital) – Best Financial Account Aggregator; Best Investing App

Empower (Formerly Personal Capital). This is the most versatile money management tool I’ve come across. At a top level, Empower helps you track your income and spending and will allow you to track your credit cards and similar accounts.

You can even use it to send reminders for your credit card due dates. But this tool shines when you use it for tracking your investments.

Opening an Empower account gives you in-depth access to understanding your investments and how they interact. This is especially useful if you hold investments in multiple locations, or if your portfolio comprises multiple mutual funds.

With Empower, you can understand how these investments work together and help determine whether or not you are over or under-exposed in any asset class based on your goals, age, and risk tolerance. This tool can help you manage your 401k, IRAs, mutual funds, individual stocks, and other investments.

This free investment software is recommended for investors of all experience levels, from beginners to experts, and for investors with any size portfolio. This is the most powerful personal finance tool I’ve come across and one I use personally. Read our Empower review for more information.

Get started: Visit Empower for more information, or to open an account.

Yodlee – Best No Frills Account Aggregator

Yodlee. Yodlee is one of the oldest and most comprehensive online money management programs. Yodlee differs from most of the other tools listed here because it is not a cash flow or budgeting tool – it is a one-stop-shop to track your financial health and offers “a consolidated view of all assets… from accounts such as brokerage, insurance, 401(k), mortgage, etc.

Being able to track your entire net worth online is a great feature, but Yodlee offers much more than just tracking net worth. Users can create a budget and track spending, monitor online accounts, create expense analysis charts, track real estate value, or share access to your account (great to share info with your spouse, accountant, or financial planner).

Customers can transfer funds, pay any biller or individual, pay bills via credit and debit card, receive eBills from over 2,900 institutions, create transaction alerts, set up mobile access, and more. To top it off, Yodlee is one of the most secure online money management tools out there.

Other notable options:

  • moneyStrands: Web-based money management tool that automatically gathers data for financial accounts, including savings, checking, and credit cards, providing users with an up-to-date view of their finances. moneyStrands stands out from the crowd by allowing users to sync data from non-US banks. They support 44 world currencies, and the tools are in both English and Spanish.
  • also offers another layer of protection between their application and the user’s account information: “For security reasons, we do not and have no intention to link directly to users’ banking account data.” BudgetPulse also supports tracking your finances in multiple foreign currencies, making this an ideal option for someone living in another country.
  • Quicken: If you are looking for a more powerful platform, including tracking your investments, net worth, and other assets, then check out Quicken’s desktop version. It’s not as convenient as online money management software, but some people prefer that it is a stand-alone program that doesn’t store your information in the cloud.

Free Online Investing Tools

The above tools are great for financial management, but sometimes you want a tool that is designed specifically for tracking investments. The following tools are great tools for investors of all levels (and of course, they are free!):

Empower – Best Free Online Investing Tool

Empower. This tool makes our list twice – as one of the best overall tools for money management and for tracking your income and spending. But this tool is also the best free portfolio management software program I’ve come across.

The primary benefit is being able to see all of your investment accounts in one location, as well as being able to see how each account impacts your overall asset allocation. This helps you identify and resolve overlapping investments to ensure your asset allocation meets your desired risk tolerance.

To top it off, the Empower software can show you how much you are paying in investment management fees. This can help you find lower-cost investment alternatives to help you keep your investments within your risk band, but keep more of your own money in your pocket.

Visit the Empower Website for more information.

Morningstar – Best Investment Research Tool

Morningstar. Morningstar is well-known within the investor community for offering extensive research and investment tools. The free Morningstar membership features investment tools and data, newsletters, and online investing courses to help you become a better investor.

The most popular Morningstar tool is the X-Ray tool, which is similar to the tool offered by Personal Capital. The Morningstar X-Ray tool is part of their premium subscription, which requires a monthly or annual fee.

I still recommend Morningstar for the serious investor. You can learn more at

Other notable options:

  • Vanguard: Vanguard customers can track their investments held at other brokerages to get an overview of their total holdings and analyze their portfolios. This is a good tool if you are already a Vanguard customer.
  • Ally Invest: Ally Invest features in-depth stock analysis, online videos and tutorials, and a community where you can learn from others. The available tools and low-cost stock trades make this one of the best discount brokerages.
  • Be sure to check with your brokerage or bank for similar tools.

Free Tools to Track and Improve Your Credit Score

Your credit score is one of the most important aspects of your financial health. A good credit score can help you get approved for a loan and save thousands of dollars in interest payments.

On the flip side, a bad credit score can prevent you from getting a loan, cost you thousands extra in interest payments, and make it more difficult to rent a house, get a job, or even be approved for a cell phone contract.

Here are two companies that offer free credit scores and tools for tracking and improving your credit scores (and by free, we mean, no trials, no need to give them your credit card number. It is truly free!):

Credit Karma

Credit Karma: Credit Karma provides users with information found in their TransUnion credit report. Credit Karma tracks your open lines of credit, credit limits, inquiries, debt to income ratio, and more, to assign a credit risk they call the TransRisk Credit Score.

Users are given recommendations on how to improve their credit score and are sent notifications with each change to their history or credit score, making this a good way to monitor your credit score. Visit Credit Karma to learn more, or to open an account.

Credit Sesame

Credit Sesame: Like Credit Karma, Credit Sesame gives users a credit report and score, but theirs is based on credit information from your Experian credit profile.

Credit Sesame allows users to track the information in their credit report, open lines of credit, outstanding debt, and more.

You can use this information to get a good idea of your credit score and use the recommendations to help improve your credit score. Visit Credit Sesame to learn more, or to open an account.

Which is the Best Online Money Management Tool?

Like everything else, it depends on your wants and needs. Here are my choices for each class:

My thoughts. These online money management programs are great tools and offer customers differing abilities to track their finances. Some offer a comprehensive overview, while others are more specialized.

Give them a try, and see if you like them. In the best-case scenario, you can improve how you manage your budget, investments, credit score, and record-keeping – all for the low cost of free.

About Post Author

Get Instant Access
FREE Weekly Updates! Enter your information to join our mailing list.

Posted In:

Reader Interactions


    Leave A Comment:


    About the comments on this site:

    These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Load More Comments

The Military Wallet is a property of Three Creeks Media. Neither The Military Wallet nor Three Creeks Media are associated with or endorsed by the U.S. Departments of Defense or Veterans Affairs. The content on The Military Wallet is produced by Three Creeks Media, its partners, affiliates and contractors, any opinions or statements on The Military Wallet should not be attributed to the Dept. of Veterans Affairs, the Dept. of Defense or any governmental entity. If you have questions about Veteran programs offered through or by the Dept. of Veterans Affairs, please visit their website at The content offered on The Military Wallet is for general informational purposes only and may not be relevant to any consumer’s specific situation, this content should not be construed as legal or financial advice. If you have questions of a specific nature consider consulting a financial professional, accountant or attorney to discuss. References to third-party products, rates and offers may change without notice.

Advertiser Disclosure: The Military Wallet and Three Creeks Media, LLC, its parent and affiliate companies, may receive compensation through advertising placements on The Military Wallet. For any rankings or lists on this site, The Military Wallet may receive compensation from the companies being ranked; however, this compensation does not affect how, where, and in what order products and companies appear in the rankings and lists. If a ranking or list has a company noted to be a “partner,” the indicated company is a corporate affiliate of The Military Wallet. No tables, rankings, or lists are fully comprehensive and do not include all companies or available products.

Editorial Disclosure: Editorial content on The Military Wallet may include opinions. Any opinions are those of the author alone, and not those of an advertiser to the site nor of  The Military Wallet.

Information from your device can be used to personalize your ad experience.