Three Free Personal Finance Tools Everyone Should Be Using


Many people seek to improve their personal finances, but are unsure how to go about it. Well, the good news is that the answer may just be a click away. With these 4 personal finance tools, anyone can improve their finances with just a few clicks.


Mint is a classic in the world of personal finance tools. It is web-based and completely free, while also offering applications for mobile users. But what does it do?

Put simply, Mint allows you to bring all of your financial accounts into one place. If you make a withdrawal from one account, Mint will show it along with your other accounts so that you can see what your total balances are.

As if that wasn’t convenient enough, Mint is also filled with tools to make your life easier. It has been known to be especially useful in helping users during tax season and has even been useful for those trying to stick to a budget. Whatever your financial needs, there is a solid chance that Mint can make your life much simpler.

Ace Money Lite

This is a free personal accounting software, and as you may have guessed, is the lite version of Ace Money. This version is completely free, with the trade-off being that it can only support 2 accounts. While this is unfortunate, those only seeking to use personal finance should not need more than what lite offers.

With Ace Money Lite, anyone can track their various expenses. This includes everything from the electric bill to how much you’re spending on groceries every week.

The most interesting feature about this software, however, is that it creates visual reports of your spending. Seeing a month’s worth of spending on a graph is a great way for a lot of people to understand where their money is going, so this tool is certainly one of the best.

As unpleasant as your credit score may be to think about, it determines a lot of important things in your life. This includes things like being approved for a loan to even whether or not some employers will hire you. Calculating a credit report is rarely fun, but AnnualCreditReport makes the process far simpler.

This is a tool that has been approved by the US federal government, so that lends it quite a bit of credibility. For no charge, it will show you your credit score so that you can stay informed about this crucial information. For anyone serious about their personal finances, staying uninformed about your credit score is simply not an option.

These 3 tools will do wonders for your personal finance. Few people think of handling finances as fun, but it becomes much more simple and headache-free when you use easy tools like these. Give them a try and see what they can do for your wallet.

Photo: Chris Potter / CC 2.0