Top 4 Absolutely Free Personal Finance Software Solutions
Free personal finance software has changed the way we keep track of our money. The days of paying a certified financial planner for basic budget planning, personal finance tips and financial advice is over. Thanks to powerful Web 2.0 technology, there are scores of free personal finance software solutions that help you build a budget, track your spending and eliminate your debt all without paying a penny. Of course, you’ll still want to talk to a professional for the big financial decisions – but if you just want a dead simple way to keep your bucks in a row without scanning hundreds of receipts and painstakingly balancing your checkbook by hand, then these free personal finance software solutions are for you.
1. Mint
Mint is (arguably) the top dog of online free personal finance tools, thanks mostly to its longevity. Mint was one of the first sites on the scene to allow you to pull all your transaction info from your various accounts (checking, credit cards, loans, mortgages) and create automatic budgets. For anyone who has been meaning to get their personal finances in order but is too lazy to keep track of all your receipts, Mint is your answer. Paired with the super cool Mint iPhone app, which sends alerts for over budget spending and other unusual activity, keeping track of your personal finances has never been easier.
2. Thrive
Thrive is Mint’s top contender and is a worthy adversary in the free online personal finance site space. Thrive is geared more towards goal-oriented consumers who may be new to the world of personal finance. Thrive and Mint are just about even when it comes to giving you both a bird’s eye view and nitty gritty details about all your accounts, but goes one step further by offering you advice on ways to keep your finances on track. Thrive also has awesome customer support and a very down-to-earth attidue.
3. Google Docs
Google Docs is a darkhorse when it comes to free personal finance software, but don’t count it out. While Google Docs is somewhat more of a DIY approach, it’s a great option for anyone who doesn’t feel comfortable handing over their sensistive financial data to a third party. Google Docs Templates offers hundreds of free budget planning spreadsheets for tracking monthly expenses, budgeting, saving and paying off debt. And, of course, it’s from Google – so it’s hands down awesome.
4. GnuCash
GnuCash is for more than just tracking personal finances – it’s a full-fledged accounting/bookkeeping software suite that gives Inuit’s Quicken and Microsoft Money a run for their money. But better than that – it’s free! GnuCash does invoicing, budgeting, double-entry accounting, reports and graphs and much, much more. It’s a great option for anyone running a small business or someone who wants to take their personal finances offline without sacrificing the flexibility of electronic data.
These are just a few of the top free personal finance software offerings out there – but in our opinion, they are the best. They are all tried and true and have spotless records as far as ethics, security and reliability, which are all important factors to keep in mind when submitting information about your bank accounts. Not only that – they are free! After all, isn’t saving money the ultimate goal of personal finance? With these free personal finance tools, the task is easy.
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