You get graphs for your spending, a monthly cash flow chart showing balance by month, a goals tracking tool, and the cash flow calendar, all in your browser. You schedule your upcoming payments and budgets in the calendar, and the app automatically updates your cash-flow statements for you. It analyzes your spending and projects your future balances based on your budgeting scenarios. It’s a calendar for your finances that lets you set financial goals and track your progress over time. PocketSmith (web - free for Basic $9.95/mo for Premium $19.95/mo for Super)ĭon’t you wish you could see the future of your finances? PocketSmith lets you do that. You can set private savings goals as well charts show your saving progress and how much you contribute over time, and the site lets you know if you’re on track to save by your target date.īudgetPulse is for those new to expense tracking and are looking for a free solution to their budgeting woes, and those who hold public fundraisers every once in a while. You’ll have to enter all expenses manually, but once you’ve set it up, it should only take you a few minutes a day to update. It’s easy to set up, so those making their first budgets won’t be too intimidated. They can also view the progress of your goal so they know when you achieve your target.īesides this, the web app lets you manage your budget and financial accounts. This site lets you set up an account to collect and raise money easily - you set up an online fundraising goal (such as for travel expenses for your local sports teams, a party you’re holding, or even for any non-profit organization), email your page to friends, family, and colleagues, who can then send you money directly through PayPal. It takes effort, but once you’re used to it, it can get you well on your way to financial security.ĭo you hold fundraisers, or have public savings goals you’d like to invite people to contribute to? BudgetPulse can handle this for you. You’ll also need to be disciplined enough to enter all your expenses and incomes manually. This isn’t for you if you’re already doing well and want to increase your income through investments. YNAB is geared towards people new to budgeting, who are trying to get out of debt, or who want to get out of the vicious paycheck to paycheck cycle. Even if you don’t buy the app, you can still take the free online classes from their website. And for those who need even more help with their budget, the app offers free online classes ranging from ‘Getting Started with YNAB’ to ‘Budget Workshop’, an interactive class in which participants create their own budget under the guidance of a coach.
It also has in-app and video tutorials to help new users understand the YNAB method of saving, and how to use the software.
You can take your budget from your computer to your smartphone using the free iOS and Android apps.
This desktop software takes you through the process of making a budget, explaining why it is important for you to give every peso a purpose, be it savings, bill payments, or shopping. If you’re a newbie to the world of personal finance management, check out You Need A Budget (YNAB).