Paying bills, generating savings, collecting money, and enjoying a long and pleasant retirement all require knowing how to manage your personal finances like an expert.
Whilst banks and financial advisors may charge clients hundreds or thousands of dollars for personal finance guidance, the Internet offers a wealth of free resources for those looking to improve their financial literacy without breaking the bank.
Below are 21 top useful Money Management Websites that provide resources and information to assist you in achieving a variety of goals, ranging from living frugally to picking the correct credit products and investing sensibly.
Table of contents
- What is Money Management?
- #1. PocketGuard
- #2. DollarBird
- #3. Wally
- #4. Spendee
- #5. LearnVest
- #6. Mint
- #7. DailyWorth
- #8. NerdWallet
- #9. ClearCheckbook
- #10. Mvelopes
- #11. Albert
- #12. BankingSense
- #13. CashMoneyLife
- #14. Bankrate.com
- #15. MyMoney.gov
- #16. CreditCardForum
- #17. Birdy
- #18. Dough Roller
- #19. MyMoneyCircles
- #20. Yodlee
- #21. SmartPig
What is Money Management?
According to Investopedia, Money management deals with processes of budgeting, saving, investing, spending, or otherwise overseeing the capital usage of an individual or group. It can also be referred to as investment management and portfolio management.
In other words, it refers to how you manage all elements of your finances, from creating a budget to determining where each paycheck goes to defining long-term goals and selecting investments to help you achieve those goals.
In a more detailed way, money management entails not only saying “no” to all purchases but also creating a strategy that allows you to say “yes” to the things that matter most to you.
Truth is, if you don’t know how to handle your money, any amount of money can become insufficient.
Searching for a money management site that will actively assist you in identifying savings opportunities in your daily spending? PocketGuard might be exactly what you’re looking for.
When you connect your accounts, PocketGuard will keep track of your expenditure and assist you in analyzing it. After that, you can utilize the information to help you create a better budget.
PocketGuard also detects recurring expenditures and searches for better offers. You may analyze specific bills, detect spending trends month to month, and use the app to save money in the long run.
Is finding out what you’ll have to pay your main budget concern in the future? Maybe you’re hesitant to spend $10 on lunch because you can’t remember when your student loans are due, even if your bank account is very healthy. Dollarbird can assist you with this.
With premium add-ons, Dollarbird is completely free. The goal is to turn your budget into a calendar.
You can see all of your upcoming bills at a glance. Color-code transactions by category and enter recurring transactions, such as your paycheck and utility bill, quickly and easily.
You can see your projected balance in the app to know how much money you can spend safely.
However, Dollarbird does not integrate with your bank accounts, which is a drawback. You’ll have to manually enter transactions, but that’s not difficult–and it gives you a more hands-on approach to your money.
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Wally is a simple budgeting program that doesn’t have a lot of bells and whistles. The distinctive characteristics it does have, though, are worth studying.
To begin with, Wally accepts practically all foreign currencies. Wally can be a tremendous benefit to you if you’re a digital nomad who spends time outside of the country.
Next, Wally lets you save photos of receipts so you can keep track of critical tax and business stuff without having to deal with paper.
Spendee is yet another visual app that syncs with your bank accounts. It automatically downloads transactions and categorizes them. It also enables you to share some of your budgets with others.
Spendee will keep you on track if you assign money to virtual wallets. You can also share certain wallets with friends to help you stay accountable as you work toward your objectives.
You don’t have to reveal your complete budget, which is useful if you want to keep your finances private.
Spendee also has a travel mode that supports numerous currencies when you’re traveling overseas.
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This is one of the most popular money management websites for women who want to take charge of their finances. It is widely regarded as the best resource for women who want to “get informed, get organized, and get support.”
You can take a personal finance Bootcamp and create a budget on this platform. Women who are financially aware can get expert advice on taxes and investments, while those who are in debt can learn how to get out of debt.
You can also find entertaining articles on current financial events, money-saving suggestions, and advice on the finest accounts and credit cards.
There are a plethora of budgeting apps available, but none are as comprehensive or user-friendly as Mint.
You may create a budget with dozens of categories and then sync your bank accounts to automatically track your spending in each category. You’ll also receive email notifications when you’ve gone shopping.
You can also link your loan, credit card, and investment accounts to the site for a real-time snapshot of your cash flow, savings, and debt and track progress toward financial objectives like paying off student loan debt or saving for a trip to Thailand. You can even acquire information while on the move.
Would you like to get financial news and magazines? DailyWorth is the way to go. This is one of the best money management websites, featuring financial news and advice on how to manage your finances.
The daily newsletters from this site include practical financial advice and information to help women budget, earn, save, invest, and spend wisely.
You’ll learn all you need to know about how to make more money in your bank account, shop without spending a fortune, and finance fundamentals.
This money management site also offers an e-newsletter with investment, product, retirement, and other suggestions.
Don’t know where to start when it comes to getting a new credit card? I get it—just it’s overwhelming. NerdWallet comes to the rescue.
NerdWallet will search thousands of cards to find the best one for you, whether you want airline miles, low rates, cashback, or low interest on your balance transfer.
You may narrow down your options based on how much you spend, how much you’re prepared to pay in annual fees, and your credit score.
In addition to a list of cards, the site’s experts offer their opinions on whether programs and rewards are truly worthwhile.
ClearCheckbook is one of the top free money management websites that can help you give maximum accounting of your money.
It is a supercharged web-based checking account ledger. You can use the online interface or your iPhone, Android, or Palm to track your spending, input daily expenses, and create a budget with spending limitations.
However, you get a custom report tool, custom transaction fields, future balance projection, and tweaking the auto-suggest feature when upgrading to a premium account.
Although this platform has a free version, there’s a premium version which costs $4 per month. With this premium version, you can get more options.
Mvelopes is a powerful web-based financial tool based on the traditional notion of envelope budgeting, in which each budget category is assigned an envelope containing a specific amount of money.
However, just because it focuses on an old budgeting strategy doesn’t imply you have to use outdated tools.
Mvelopes automatically pulls transaction data from hundreds of financial institutions, supports automatic bill payment, and helps you build snapshots of your net worth when your budget and goals change.
Mvelopes is unique for being the only Hive competitor without a free account option, maybe a statement to how satisfied users are with the service that it made the top five despite the lack of a free-as-in-beer account option.
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Do you wish you had a personal finance assistant to help you manage your money? You’re probably looking for Albert.
You can acquire personalized information about your present financial strength- what you’re doing to enhance it–by combining artificial intelligence with human assistance.
Based on your income, spending patterns, and bills, Albert sets a budget for you automatically.
Not only that, but Albert also assists you in putting money down in a savings account, analyzes your bills to uncover overpayments, and even notifies you when a free trial is about to expire.
You can use Albert for free, but for a modest fee, you can text real experts for help with goals like investing more and paying off debt.
One of the most useful and informative sites on our list of top money management sites is BankingSense.
This money management website offers a unique method of presenting useful financial information, ideas, and guidance without resorting to extremely technical language or difficult-to-understand terminology.
Credit cards, insurance, small-business finance, personal finance, taxes, and other issues are covered on the site.
The community aspect of Banking Sense is one of the things that makes it so useful.
CashMoneyLife is the next financial management website on our list.
In terms of functionality, this finance management site, which is similar to the Wall Street Journal, The New York Times, Yahoo! Finance, and MSN Money, stands out as a trustworthy source of personal finance and small company assistance.
It’s probably put up in a regular blog format without all the bells and whistles that make other blogs so complex, so readers can come here for straight answers.
This site has an intriguing section called “Free Money,” which contains information about referral bonuses, free trials, and other similar offers.
Bankrate is one of the most informed and well-respected sites on this list. This old newsletter, which began in the pre-Internet era in 1976, has evolved into one of the most regarded websites in the personal finance industry.
Bankrate not only provides information on bank rates, mortgages, and credit cards, but it also offers personal finance advice on topics like financial planning, retirement, and investments.
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MyMoney.gov is a federal money management website that provides financial counseling and money management ideas.
It basically tells you how to make money, borrow money, save money, invest money, spend money, and safeguard your money.
Aside from that, the site contains other intriguing and unusual pages, such as financial tools and money quizzes.
Check out the Credit Card Forum if you’re interested in personal connections and internet communities. It’s “for those who love credit,” according to the New York Times.
Its posters are a goldmine of information on how to get cards.” As you might expect, the personal finance information provided here concentrates on credit card offers and how to use them best.
Needs a financial management site that can help you manage your money but is scared of linking your financial accounts? Birdy is for you!
Birdy is one of the best free money management sites where you can access budgeting tools without linking your financial accounts.
Every day, the tool will send you an email asking what you purchased, and all you have to do is reply with a description of your purchases and tags ($55 #clothes #work, $3.50 #coffee) to have it recorded in your account.
Then, at any time, log in to examine charts of your spending habits and trends as well as track your weekly and monthly expenses.
#18. Dough Roller
Dough Roller is the next financial management website on our list. This money management website provides tools, advice, and recommendations on creating, donating, saving, and spending money wisely.
People that visit Dough Roller on a regular basis are extremely devoted because they enjoy the wide range of topics covered.
Above all, Dough Roller provides something for everyone, whether you like blogs, podcasts, newsletters, or anything in between.
MyMoneyCircles is also another online money management website that helps you handle your personal finance.
At this personal finance website, you can participate for free in a “boot camp” matched to your financial goals.
Moreso, you can get success guides on how to find ways to save, manage credit cards and debt, protect your assets, and save more.
Above all, this money website will allow you to access freely their personal trainers who are captains and experts in the financial field working with them.
Yodlee offers a wide range of money management services online. You can track all of your accounts and investments.
You can also create a budget, track spending and track real estate value. Plus, you can transfer funds and pay bills through the site.
The SmartyPig site is primarily meant for saving money. You can set up a variety of savings accounts, establish your savings goals and track your progress on the site.
It’s particularly worthwhile if you intend to purchase an item with your savings because you redeem your savings for gift cards and discounts.
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