11 Tools to Manage Your Money Online

October 21st, 2009 by chris Leave a reply »

We are living in a Web 2.0 world—or is it Web 3.0 or 2.1?  I can’t keep it straight.  Anyways, one thing I think most of us can agree on is that money does not go as far as it used to and increasingly, if you’re like me, you don’t really know where all of your hard earned dough goes.

Fortunately, there are quite a few websites out there dedicated to helping people organize their finances and expenditures.  Here are some of the best.

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Xpenser Track your expenses from any device you want.  Email, iPhone, SMS, it doesn’t matter, xpenser is about noting your expenses and forgetting about them.  It uses a very simple format for input that will help you keep track of money you spend while easing your mind from worries about forgetting what you’ve spent and what you’ve spent on. 

You can also take pictures of receipts with your cell phone camera and send them to your account.  This is a very cool tool because it takes out one factor that leads to disorganization of bills, receipts, and money–time.  Since you can instantly input your expenses, you don’t have to worry about remembering them later.

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BudgetTracker Just like it sounds, this site will help you track your checking, savings, credit card, and paypal accounts in one place. You can also transfer funds and save IOU’s between friends. This user-friendly site provides a lot of functionality and flexibility to manage your finances, however complex they may be.


Rudder Helps people stay on top of their finances and is designed to make it as easy as possible to manage your multiple accounts and monthly bills.  The key word here is “painless,” not to mention “painless” since Rudder works mostly through your email account, which also means your mobile device.  In other words, it comes to you.  The handy and clean looking “Bills Widget” helps you keep track of bill due dates so you can avoid late fees.


BillQ An app that provides an easy way to keep track of bills.  Set reminders for due dates and organize them automatically once they are.  Streamline your bill paying process with billq.

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BudgetPulse Easily track where your money goes, budget, and create cool looking diagrams to manage personal finance.


Foonance Since having a great name isn’t enough, this site is an expense tracking app that allows you to easily log your transactions and see just where your money is at the moment.  This site definitely has a web 2.0 feel about it, but is very simple and basic, which is a good thing.  If you want to keep track of a few accounts, including your overall salary, this might be a good option.

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Buxfer Manage your checking, savings, and credit accounts in one place.  All of your account information automatically is tracked at this site, but it is also focused on group expenses and money owed.  This would be a good site for college roommates to split the bills.  Its good looking, clean interface make it worthwhile.


Wesabe Save money, with the help of a community of like-minded savers.  Find deals and recommendations on how to save.  Get the inside scoop on the best customer credit card point programs and other ways to get a little bit more for your dollar.  Community is stressed at this site.


LessAccounting For small business owners of freelancers looking for a way to manage expenses and bills, this site has a good “Freebie” account to create invoices, expense reports, and accounting reports.  One step up costs 12 bucks a month.

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PearBudget If you’ve never budgeted before, this site may be a good way to jump in headfirst.  It is a simple tool that will help you set up your first budget in minutes.  Since it’s not about how much money you make, it’s really about how much you save, getting to know your way around this kind of thing may help your bottom line.  The site claims that setting aside 20 minutes per week is all it takes to use this tool.  It’s free for the first 3o days and costs $3 per month after that.

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Ztail Lock in a resale price when you buy an item.  For example, if you’re looking for a camera through a partner site that sells for $300, ztail will guarantee that you can sell it to them in a year for, say $150. This is good for people who love keeping up with the newest gadgets and want to trade their “old” ones in so they can get the newest toys.  The site has partnerships with various retailers and evaluates prices they will agree to pay based on eBay’s prices.

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  1. Mikael Grave says:

    Thank you for this excellent list!

    May I suggest one more tool? If you are looking for a very simple and quick way to track and even out group expenses, try Short Reckonings. It is ideal for roommates, travel buddies, family members or event organization. It’s free.


  2. OC says:

    One of my new years resolutions was to get more on top of my personal and business finances. These free finance websites should help me do the trick.

  3. Carmen says:

    Awesome blog! Thanks for the advice on the financial tools. Preparation, discipline, and effort are the name of the game when it comes to finances.

  4. Heidi says:

    Hey! Would you mind if I share your blog with my twitter group? There’s a lot of folks that I think would really appreciate your content. Please let me know. Cheers

  5. Lenny says:

    I know I need to watch my finances better but I need to get organized and that’s the tough part for me. I may use one of these finance tools to get to where I should be in my financial life.