best free personal finance software 2017

As a result, you're not living paycheck to paycheck. The goal is to live off of money you earned the previous month. Once you've used the software for about a month, you'll rarely need to categorize expenses manually.Īnd YNAB follows a very interesting approach to budgeting. Categories can be assigned to your spending automatically. It uses a familiar spreadsheet format that's very easy to use. I've tried virtually every budgeting tool available, and YNAB is without question the most effective. It even provides useful data on 529 accounts you may have for your children and tracks the value of real estate.įor those focused exclusively on their budget, there's nothing better than YNAB (short for You Need a Budget). You can see if you are on track to retire as planned. This is particularly helpful if you, like me, have multiple retirement and taxable accounts.įinally, Personal Captial offers a retirement planning tool. From asset allocation to investing fees, this tool gives you easy insight into your investment portfolio. Once linked, Personal Capital provides a wealth of information about your portfolio. This book is the kick-in-the-ass you need to get your finances together, and the advice offered throughout goes nicely with the budgeting and saving tools listed above.It enables you to link all of your investment accounts. Investing like a boss (spend an afternoon now, make your money work harder for you forever).Saving in your sleep (it’s really possible).Spending consciously (making budgeting less boring).Getting ready to invest (open your first-or a better-investment account now).Beating the banks (no more paying for stupid fees).Optimizing your credit cards (make them work for you).Author Ramit Sethi walks you through a six-week, no-bullshit approach to getting your finances in order and laying down the tracks for a sound financial future. I Will Teach You to Be Rich is a great one if you’re new to personal finance and/or have tried other plans that haven’t quite worked for you. There are a number of useful and popular personal finance reads out there, and it’s hard to know where to start. This one isn’t an app, but it is a must-read finance book.

Best free personal finance software 2017