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.
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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.

Personal Capital – Best Financial Account Aggregator; Best Investing App

Personal Capital. This is the most versatile money management tool I’ve come across. At a top level, Personal Capital 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 a Personal Capital 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 Personal Capital, 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 Personal Capital review for more information.

Get started: Visit for more information, or to open an account. – Best Budgeting App Mint has taken the financial community by storm, and for a good reason. Mint offers a great money management tool, and it is completely free.

Mint’s business model is to bring in users with a quality product, analyze their spending, saving, and other financial habits, and offer suggestions for improvements, including showing users how much money they could save or earn by using credit card with a lower interest rate, earning higher interest from a bank account, buying a less expensive cable service, and other ideas. is able to offer a free product because they make money by referring products and services to customers, but they always show you how much money you can save or earn and why it would be a good idea to do so. You can’t turn the ads off, but you can always ignore them, which is a small price to pay for a quality financial management product.

Mint is designed primarily to track cash flow and budgeting and recently added the ability to track investments. Mint also offers money management apps for the Android, iPad, and iPhone platforms.

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

Many people like to compare and Personal Capital. In my opinion, is the better budgeting tool, and Personal Capital is better at just about everything else. Personal Capital also offers a budgeting and cash flow management tool; it’s just not quite as robust as

You can read our and Personal Capital comparison review for more information about the similarities and differences between these two financial apps.

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!):

Personal Capital – Best Free Online Investing Tool

Personal Capital. 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 Personal Capital 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 Personal Capital 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.

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  1. K M says

    I like ManageYourExpenses(.)com. It is very simple to use and it is FREE!. It has good features like budgeting, bill reminders and also feature for sharing expenses between roommates/friends.

  2. dmiller says

    I like for they support online as well as manual accounts. and good feature like cash flow, net worth, bill alerts along with usual budgeting etc.

    • Sophia says

      Thanks, giving this one a try for my kids who are beginners in the world of finance management. They don’t have much to manage at this point… checking, savings simple bills and payroll deposits – no investments, retirement accts, or debt as of yet. I want for them to have a simple tool that will help them be good money managers as grown up adults, the bonus is it’s free.

  3. Carlos says

    Hey there!

    A question to the experts 🙂

    I’m trying to understand more about personal finances, my accounting basics went wrong T_T. Do you have any recommendation to someone who wants to learn about money while tracking it? let’s say a “beginers” level type. I’m looking strictly for free software since i’m not comfortable with my basics yet.

    what alternatives are good both in the cloud based and desktop based categories?


  4. Lundie says

    I am also looking for a replacement for Quicken Online. just doesn’t cut it. It’s very frustrating to me to have been forced into Mint when it’s not “just as good”. I want a combination of cash flow management AND big-picture analysis. I really love the idea of PNC Virtual Wallet’s tools, but am not ready to move my accounts…

    I am going to check out a couple you mentioned and hopefully find something to replace

  5. Lynn says

    I agree with the comments on your article regarding Mint. I used QuickenOnline for 1.5 years and it worked great. I have yet to find an equivalent site – I have tried Mint and Yodlee. And while both are ok, neither has all the features of QuickenOnline. I have emailed their customer service, to no avail. I did not even get an answer. If anyone finds a site that has recurring bills, please let me know. Will the desktop version of Quicken automatically update your account transactions?
    Thanks Ryan for your article reviewing the sites…. There are a couple I will go check out hoping that they compare to QuickenOnline.

  6. John says

    I’ve used Mint since January of this year, and the biggest core defect I find in the program is the sporadic account update problems. Currently, many of the bank accounts cannot be updated. Mint has no direct communication with users other than the help site, and you never get an update on any corrective action directly from Mint or posted prominently on the web page.

    A second, irritating problem with Mint is the inability of the user to correct erroneous information downloaded during the updates. As an example, my brokerage does a sweep from a MM account for the cash to make an investment purchase, and shows the sweep as a negative cash amount in the purchase transaction. Mint picks up this negative cash in the transactions, and understates the investment account by the cash amount. End result is that the overview tab shows the correct investment total and the investments tab shows an erroneous total. A simple fix would be to enable the user to delete the negative cash transaction in the investments tab, but Mint never gives any feedback on their attempts, if any, to correct the problem. The “exclude from Mint” function does not work to correct the investment tab total.

    Of the million or so Mint users, from reading the help blog, and from my own experience, many are frustrated by the update problems and by the lack of communication from Mint concerning any fixes they are working on and the estimated completion dates. It’s a good program, but definitely has some serious core problem that need to be resolved to make it a useful tool.

    • Ryan says

      John, I’ve experienced the update problems as well, but I haven’t had the same experience with my brokerage and the sweep account. It’s probably just isolated to one, or a small handful, or brokerages. That doesn’t make it any less frustrating though! Overall, I think Mint has come a long way, but I agree, it isn’t yet a perfect solution. But I’m not sure a perfect solution exists at this point. Thanks for sharing your experiences.

  7. Rebekah says

    Quicken Online has been folded into Mint. I’m currently looking to replace Mint because I don’t like it.

  8. Matt says

    QuickenOnline will cease to exist at the end of August-2010. One important feature that I need is the ability to create re-occurring expenses (utility bills, phone bills, etc.). QuickenOnline had this but does NOT.
    Can you please tell me which of the other tools have this feature?

    • Ryan says

      Matt, I know this is something that can be done in the desktop version of Quicken, but I’m not sure which free online tools offer this capability. You could send Mint’s customer support an e-mail and ask them if this feature will be added soon, or if it is available in a different form.

  9. Jonathan Cline says

    Hey Ryan!
    I just want to let you know I appreciate you making this article! It’s great to see a simple comparison of [free] online money management tools. I recently heard about, but because it doesn’t work with my financial institution I haven’t been able to use it; thus, your article quickly became very helpful. Keep up the awesome fun and work! Bless you!
    Much love,

  10. Jessica Tam says

    Teenager from Hong Kong

    I’m looking for a simple software that will record my daily spendings. As we’re not involved with large investments or banking issues or credit card debts, that adults constantly stumble into most of the above aren’t really helpful. I’m just looking for something that will allow me to manually enter my spendings, maybe calculate it per month, and help me with a small budget a.k.a. our allowance, to save up for the next CD that I want to buy.
    There’s also the problem of different currencies in Hong Kong. All the above websites are mainly servicing Americans, while our “pocket money” or “red packets” could be in RMB, Canadian or HKD.
    We want something that can conclude our piggy bank savings and lunch spendings…
    Does it exist?

  11. Lisa says

    Hey, Nice post! There’s another free tool out there for finance stuff. It’s called Billeo. The tool manages your passwords and enables hassle free bill pay. Also tracks your expenses to help you make a better budget every month.

  12. Atakan Cetinsoy says

    Thanks for including Expensr. Just a quick note that Expensr is owned and operated by Strands and Strands has a new personal finance management offering called moneyStrands.

    Atakan Cetinsoy
    V.P. – Personal Finance Products

  13. Craig says

    @Matt Feel free to email me and we can speak more. I always check out your site and like everything you guys do.

  14. matt @ Thrive says

    Missed one, Craig! I suspect an anti-orange prejudice at work… =]

    I’d be interested in hearing a little more about your last point. Most of the online management sites allow you to see all your accounts in one place. Not all of them have full budgeting features (we’re releasing our solution for that next month) or net worth, but they seem to be getting fairly close; can you say more about what would make your “dream solution”?

  15. Craig says

    Full Disclosure: Thank you Ryan for including BudgetPulse in your list of free online money management tools. All the tools you have mentioned are excellent resources, and people should take advantage of the tools to help with their finances.

    We at BudgetPulse are releasing our brand new completely revamped software within the next week or two and the site will be visually enhanced, allow for easier navigation, and improved content and functionality. If anyone has any questions, please feel free to contact me.

    Craig Kessler

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