Keeping track of financials will help keep in check and helps you on how to better utilize your money. Using proper financial tools will help you reach your goals on or before time. The following are some of the free financial tools that helps you save time in tracking your financials and money by keeping you informed of your spending and savings.
Mint
Mint by Intuit is one of the best-used tools out there, mint helps you connect all your accounts checking, saving, credit cards, home loans, etc.. once you connected all your accounts, it categorizes all your transactions into different spending categories. You can set a spending limit on a certain category like entertainment and it will notify you once you reached the spending limit for that category so you can decide on more spending or cutting down your cost. It also helps you set goals and associate goals to a certain account which helps you track your savings goal for a vacation or a home downpayment etc…
Mint also has features to check your credit score, and it gives you some financial offers based on your accounts data and creditworthiness, this helps you get the best credit card or an auto loan when you are shopping around for either of them.
Mint is free and the app is available both in the app store and android store
Personal Capital
Personal capital is similar to mint which allows you to gets all your accounts to one place and helps you categorize, Personal capital provides a little more than mint with features like retirement planner, education planner, investment checkup, fee analyzer. Fee analyzer comes in very handy it helps you figure out if you are losing money through any hidden fees for your mutual funds, investment or retirement accounts.
Personal capital is also a free tool, but it also offers some services for a fee.
True Bill
True bill is a unique app which helps you keep track of your subscriptions and saves you money by cancelling the unused subscriptions. True bill tracks all the transactions of your provided credit cards and notify you of kinds of monthly or yearly subscriptions you might have like Netflix, Hulu or even a magazine subscription which you are no more reading. Once you have this app you will be surprised by how many subscriptions you might be paying every month and this helps you keep in check with your unwanted subscriptions.
Credit Karma
Credit Karma is one of my favorite app that i use to keep track of my credit score. Credit karma will help you monitor your credit score. It pulls your credit score from Trans union and Equifax and updates every week. This pull is a soft pull and wont effect your credit score.
Keeping track of your credit history is very important, credit karma helps you do that. It notifies you of any credit checks happened on you or if you have opened any accounts or if you have any unknown collections on your name.
Credit karma also offers suggestions and tools to improve your credit score and also offers credit cards for which you will most likely be approved.
NOTE: Using any of the above tools means providing consent to the respective tools to get your financial information, Please read the respective privacy policies before using any financial tools.