Free Online Money Management Tools

I like money.  I like money management (hey, I’m a personal finance blogger).  I like free stuff (who doesn’t?).  When you put all those together, you get some of the best free online money management tools to be found.

I’ve talked about it before, but since it is the new year, I thought I would once again highlight some of the best free online money management tools I’ve found.  Why online?  Well, I have been moving more and more of my stuff to the cloud (so I can access it anywhere from any device), and I’m sure a lot of people have been to.  It’s also useful for money management for college students.  Why?  Because you are always moving around, so having your finances in the cloud is great!

Here are some of my favorites, as well as some that have been mentioned before, but I haven’t used.

Mint Online Money ManagementMint

Mint is still the industry leader in online personal finance, and it has a lot to offer.  It connects with all types of accounts, and it is adding more everyday.  It is really good about tracking and categorizing your spending, and helping you stick to a budget.  Where it lags is tracking your investment performance, as it seems to have a hard time following investment accounts in general.

Follow this link to check out Mint.

My Favorite: Personal Capital

Personal CapitalPersonal Capital is the newest player on the block in online personal finance software.  It is very similar to Mint, except that is has much more powerful investing tools.  Personal Capital is actually an investment firm that offers this software for free.  I like it because it has the visuals of Mint, with more powerful investment tracking options, similar to Quicken – but it’s free!  You can check out my full review of Personal Capital.


Honorable Mentions

I haven’t tried out these online money management tools, but readers have chimed in about them in the past, so you may want to check them out:






Readers, do you use an online money management tool?  What do you recommend?  

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  • Jackie

    I don’t use any online money management tools, although I have checked out Mint and will be looking in more detail at Adaptu. (I’ve just taken a quick look at that so far.) I guess I’m just a spreadsheet kind of person ;)

    • Robert

      Spreadsheets are nice and simple, but these new sites update everything automatically and make it so easy!

    • Jenna, Adaptu Community Manager

      Hey Jackie – Have you given Adaptu a try yet?

  • Juan

    Manilla sounds like a good thing to check out. I the ability integrate mileage accounts sounds like a nice extra.

    • Robert

      It is very handy. I almost wish all three – Mint, Adaptu, and Manilla would combine!

  • Aloysa @ My Broken Coin

    I’ve heard about SmartyPig. In fact I checked it out once because some of my friends were using it and loving it. But I figured that you can just set up a separate bank account with the same success rate.

  • Lisa @ Cents To Save

    I use Yodlee and am pretty happy with it.

  • SB @ One Cent At A Time

    Yodlee is by far best to me. Close contest is with mint but, mint doesn’t have banking institutions from many other countries which Yodlee has.

    • Robert

      Interesting, I never knew that!

      • SB @ One Cent At A Time

        My Yodlee review is coming up in a week. There, I’ll write more of its features.

  • chaimaa

    well , i dont use any but i will be checking mint and yodlee

  • Jessica, The Debt Princess

    I haven’t tried Adaptu but I really Wantu (get it?? lol)

    I like Smartypig because I can post a widget on my Facebook page for family members to deposit into. I most use Smartypig for kids’ savings accounts. I did a review of it quite awhile ago.

    • Robert

      SmartyPig is different in that it is an actual bank, right?

    • Jenna, Adaptu Community Manager

      Jessica – Have you given us a try yet?

      Love the “Wantu” :)

  • Oren

    I have but I can’t say I use it too much. I usually go into every site individually which can take a lot of time because I have many accounts that each do something different for me.

  • Crystal @ The Money Drain

    I still use MS Money simply because I like being able to access stuff offline. If or Adaptu did an actual downloadable program that also synced with their website, I would be more inclined to use them :)

    • Robert

      I always thought that way, but now that I use mobile devices more and more, it is great to have everything on the cloud.

  • Devin

    These are great tools but I’m still a fan of my own spreadsheets.

  • Kraig @ Young, Cheap Living

    I use to track all of my income and expenses. I discussed my process in depth at my site. In my opinion, does the tracking and the budgeting extremely well. The area where it falls short is in the planning and goals. Its tools are weak and hard to use. I’m intrigued by the strategy of Manilla and am going to look into it some more. I like the idea of integration more areas into the planning software than just bank account balances and transactions. Great post.

    • Vincent Turner

      Hah – how prophetic Kraig! .. just came across this 12 month old comment :) .. I’m glad we turned up!

  • Ashley Morrissey

    I’m not sure if this really relevant to the blog but I use Clover (an APP you can download on smart phones) and it allows me to track my money. From bank accounts, to Amazon, to what people even owe me. It’s pretty cool and invite only. I’ll leave a link and whoever is interested can read a little more on it since I am sure I didn’t give all of the best information. Enjoy!

    P.S. That link holds 16 invitations left.

    -Ashley Morrissey

  • Jenna, Adaptu Community Manager

    Thanks for mentioning Adaptu!

  • Andrew @ Listen Money Matters

    It’s funny, I was all about Quicken for the longest time even with reconciling being a pain. Then Mint came out and I haven’t even looked elsewhere until recently. As it turns out, there are a lot more budgeting tools out there (like you mentioned) and they aren’t just Mint knockoffs. A lot of them have unique approaches that are really well thought out. I’ve gotta check some of them out like Manilla and I’ll let you know what I think!