ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

12 Online Budgeting Tools for Smart Money Management

Updated on November 30, 2013

Is the month longer than your paycheck? These online budgeting tools make money management fun and easy.

Online tools make money management easy.
Online tools make money management easy. | Source

Where Did My Money Go?

Does "more month at the end of the paycheck" describe your financial picture? It's a common expression during tough economic times. Unfortunately, it's also a reality for many people.

Smart money management is essential in any economy, and a financial planner can help you get a handle on your finances. If your budget doesn't allow for this luxury, online budgeting tools can make money management a little easier.

Anyone with a computer and Internet access can find numerous budgeting tools online. These easy-to-use resources take the mystery out of "where did all my money go?"

Here are twelve of the best budgeting tools around, arranged alphabetically for your convenience. Some of them are paid services, most of them are free, and all of them make money management fun and easy.

Billster Screenshot
Billster Screenshot

1. Billster

Billster is a FREE online budgeting tool that lets you organize and track your personal or shared expenses. It's the ideal system if you share your home with a roommate.

Billster records personal or group expenses; saves recurring expenses, including direct debits; sends collection and payment reminders; and provides email summaries of your financial activities.

Billster is a secure site for transactions that require authentication. The database stores your username and password in encrypted form, and the site will not sell your personal details to third parties.

BudgetPulse Screenshot
BudgetPulse Screenshot

2. BudgetPulse

BudgetPulse "gives life to your finance." Simple yet functional, this FREE online tool helps you manage manage your money quickly and easily.

BudgetPulse helps you create a budget; track your income and expenses; monitor your spending; and set your savings goals.

There's nothing to download, and the program doesn't sync sensitive account information. Your bank and credit card data is not required, so there is no risk of identity theft.

BudgetTracker Screenshot
BudgetTracker Screenshot

3. BudgetTracker

BudgetTracker is a FREE online budgeting tool, and then some. Record and save expense, income, budget and transaction data. Then tie them together in a calendar that sends reminders to your email address or mobile phone.

BudgetTracker does not link directly to your bank account, so it's a good choice for security-minded users. The software lets you manually enter account data, transactions and balances to keep you on financial track.

Buxfer Screenshot
Buxfer Screenshot

4. Buxfer

Buxfer is a FREE online resource that specializes in group budgeting. This makes it ideal for roommates and group vacations. Invite contacts to track shared bills, or use the service for your own personal budgeting.

With Buxfer, you have a choice: link the service with your bank account or manually add your account information. Create a budget, pay your bills, track IOUs and plan your financial future with this top-rated budgeting tool.

ManageMe Screenshot
ManageMe Screenshot

5. ManageME7

ManageME7 helps you manage your money 24/7. This FREE accounting tool is safe, secure and simple to use.

Catering to a global audience, ManageME7 supports multiple accounts and currency.

A handy dashboard displays all your accounting details on one page. Comprehensive reports and reminders help you track your income, spending, bill payments and more.

Mint Screenshot
Mint Screenshot

6. Mint

Mint is known as "the best FREE way to manage your money." This top-rated resource brings all your bank accounts together in one place, which you can access on the web or your mobile phone.

Mint's simple, streamlined application ties all your account information together to give you a better view of the "big picture." Free mobile apps help you track spending when you're on-the-go.

Mint categorizes and updates your information automatically, and it will even suggest ways to save money. Although it does sync bank account information, Mint uses encryption to keep your transactions are safe and secure.

MoneyStrands Screenshot
MoneyStrands Screenshot

7. MoneyStrands

MoneyStrands is an award-winning money management tool, and it's FREE to join. The online service is designed to help you develop better financial habits.

MoneyStrands has numerous features. It helps you create a budget; tracks your spending; recommends ways to save; and gives you a real-time overview of your financial situation.

Developed for a global audience, MoneyStrands is available for multiple languages and currencies. Mobile apps are available for iPhone.

Mvelopes Screenshot
Mvelopes Screenshot

8. Mvelopes

Mvelopes is a biblical money management system. The service offers three different membership plans, ranging from $39.60 for a quarterly plan to $189.60 for a 2-year plan.

You can try the service with a FREE TRIAL membership. Mvelopes will give you with a free debt analysis upon request.

Mvelopes is basically envelope budgeting with innovative financial software. Gain control of your money, build financial freedom and enjoy peace of mind with this award-winning money management tool.

Update: Crown now offers their online Mvelopes system for FREE.

NeoBudget Screenshot
NeoBudget Screenshot

9. NeoBudget

NeoBudget is another envelope system. A FREE basic plan gives you ten envelopes and lets you track one bank account. Paid memberships allow for unlimited bank accounts, envelopes and reporting.

Membership fees are $4 for one month, $19 for six months and $38 for a year, and you can change subscription levels any time.

NeoBudget helps you define your budget, import financial transactions, visualize your envelopes, pay bills and more.

PearBudget Screenshot
PearBudget Screenshot

10. PearBudget

PearBudget is a simple online budgeting and expense tracking tool. The paid service costs $4.95 a month but it comes with a FREE 30-DAY TRIAL membership.

PearBudget was designed by a husband-and-wife team of web developers, as a way to track their spending.

In addition to useful money management tools, PearBudget features a blog with important announcement, budgeting tips and free giveaways.

SmartyPig Screenshot
SmartyPig Screenshot

11. SmartyPig

SmartyPig is a FREE online piggy bank. It helps you save money for that wide-screen television, a new car, your wedding reception, a summer vacation or a future rainy day.

This FDIC-insured online savings account encourages you to replace a "buy now, pay later" mentality with a "save, then spend" approach to money.

SmartyPig further enhances your savings with cash back rewards and retailer gift cards.

YNAB Screenshot
YNAB Screenshot

12. YNAB

YNAB stands for You Need A Budget. Highly recommended by numerous users, this paid budgeting software helps you take control of your money.

YNAB helps you create a budget, get out of debt, build your savings and more. The software costs $60 to purchase, but it comes with a FREE 7-DAY TRIAL membership.

Budgeting is essential for financial independence. This award-winning budgeting system teaches you a new way to manage your finances.

A book and live online classes help you set up an account, budget your dollars and save money for a rainy day.

Your Turn

What online budgeting tool do you use? Leave a comment and join the discussion. If you enjoyed this article, please share it with your social networks.

These online budgeting tools for smart money management make it fun and easy, too.
These online budgeting tools for smart money management make it fun and easy, too. | Source

© 2011 Annette R. Smith


    0 of 8192 characters used
    Post Comment
    • Annette R. Smith profile imageAUTHOR

      Annette R. Smith 

      5 years ago from Grand Island, Florida

      Hello, Ellis. I'm not familiar with Replicon. I'm heading there now.

    • profile image

      Ellis Thomas 

      5 years ago

      There is one more app that I wanna recommend and suggest, the cloud based Replicon's expense reporting app ( ) which is a lucrative tool to wrk for the money management and tracking.

    • Annette R. Smith profile imageAUTHOR

      Annette R. Smith 

      6 years ago from Grand Island, Florida

      You are most welcome, Robyn!

    • birthwrite profile image

      Robyn Evans 

      6 years ago

      Annette, your hubs are so useful and well-written. Thank you!!

    • Annette R. Smith profile imageAUTHOR

      Annette R. Smith 

      6 years ago from Grand Island, Florida

      I appreciate the feedback, Dyane99. Thank you for sharing the link to InEx free personal finance software. It appears to have some great money management tools.

    • profile image


      6 years ago

      It seems that YNAB doesn't run online, it's a desktop program. Great roundup of useful online tools for planning a budget and keeping finances under control. I would also recommend – it's really awesome for managing your money with simple yet powerful tools.

    • Annette R. Smith profile imageAUTHOR

      Annette R. Smith 

      6 years ago from Grand Island, Florida

      Hi, Lillee. My first job (daycare provider/preschool teacher) paid monthly, and managing my budget was always such a challenge. I wish these tools had been available then, and I hope they help you now. Thanks for stopping by!

    • Lillee McLoflin profile image

      Lillee McLoflin 

      6 years ago from Texas

      I just switched jobs and now I am paid monthly instead of bi-weekly and it has taken some getting used to. These tools will definitely help me balance my budget and track my expenses. Thanks!

    • Annette R. Smith profile imageAUTHOR

      Annette R. Smith 

      6 years ago from Grand Island, Florida

      Hi, Aubrey! Thank you for sharing your insights on the Mint program. From what I'm hearing, it's an excellent budgeting tool with very high ratings.

    • CrazedNovelist profile image

      AE Williams 

      6 years ago from Atlanta, GA

      Totally useful hub, Annette!! I love Though I haven't used it since I switched banks. It did give me some perspective about how much I was spending on certain things. It's totally awesome!!


    • Annette R. Smith profile imageAUTHOR

      Annette R. Smith 

      6 years ago from Grand Island, Florida

      Judith and Christy, I'm so glad you saw my post on Google Plus. I learned a lot during my research for this hub, and I was happy to learn that the Crown tool is now free. Thank you for the votes up and the shares!

    • ChristyWrites profile image

      Christy Birmingham 

      6 years ago from British Columbia, Canada

      What useful tips! I'm glad I saw this on G+ so that I could stop by to read. I vote up and give a share too.

    • jcevans2009 profile image

      Judith C Evans 

      6 years ago from Boise, ID

      Great budgeting tips in this hub! I had never heard of most of these tools, but I am familiar with Crown Financial Ministries.. Voted up and useful...sharing, too!

    • Annette R. Smith profile imageAUTHOR

      Annette R. Smith 

      6 years ago from Grand Island, Florida

      Crown Financial Ministries is offering their Mvelopes budgeting system for FREE in 2012!

    • Annette R. Smith profile imageAUTHOR

      Annette R. Smith 

      7 years ago from Grand Island, Florida

      Hello, Hareiana! Somehow, your comment got "lost in the mail" and I just found it. Thank you for visiting my page on Online Budgeting Tools. I appreciate the information you shared about Out of the Dark Budgeting. I'll take a look at it this afternoon!

    • profile image


      7 years ago

      There is one free budgeting web app that not many know about, a friend told me about it, it works great for personal budgeting and money management and it is as safe as can be because you use it anonymously without giving your personal identity and without giving access to your bank accounts. It's called Out Of The Dark Budgeting at

    • Annette R. Smith profile imageAUTHOR

      Annette R. Smith 

      7 years ago from Grand Island, Florida

      Hi, Brenda! I appreciate the note on Mint. My husband and I use the paper-and-pencil method, but we're looking for a good online program ... and we heard some good things about this budgeting system. Thanks for spreading the word about my hub!

    • Annette R. Smith profile imageAUTHOR

      Annette R. Smith 

      7 years ago from Grand Island, Florida

      Hi, Laura! Welcome to HubPages, and thanks for stopping by. I hope this information pointed you to a great budgeting tool to help you stay organized and reach your financial goals.

    • frugalfamily profile image

      Brenda Trott, M.Ed 

      7 years ago from Houston, TX

      Wow, what an excellent list! I've used Mint before but it is slow to catch up..sometimes as much as 36 hours which in my life is way too long. I've book marked this one and tweeted it too..super hub!

    • laurathegentleman profile image


      7 years ago from Chapel Hill, NC

      This is a great post with some easy-to-implement ideas! I'll definitely try some of these! :)


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)
    ClickscoThis is a data management platform studying reader behavior (Privacy Policy)