As Web and mobile apps redefine how we live (and manage our money), literally thousands of various apps promise to help you keep more of you hard-earned cash. We have tried a lot of them. Some of them are so-so. Many suck. Here are two we are happy to recommend:
Money Under 30′s PowerWallet
Automatically categorize and review spending, manage your budget, and view your net worth in one place.
We’ve partnered with PowerWallet to provide a free online tool to track your spending, create and monitor a budget, and identify savings opportunities in your financial plan.
Our personal finance manager, powered by PowerWallet, puts all of your accounts in one place (with automatic syncing or, for the security-conscious, manual upload). You can organize the information the way you want to and ensure you always know where your money is going.
| Best For | Spend Tracking | Investment Tracking |
| Categorizing spending and budgeting. |  |
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Personal Capital
Personal Capital is our pick for seeing all your investments in one place and getting free portfolio analysis tools that use your real investment data.
Personal Capital aggregates checking and credit accounts, too, but their strength lies in aggregating your investment accounts, analyzing your total portfolio, and providing recommendations.
In the screenshot below, colored bars represent different asset classes—foreign and domestic stocks, bonds, cash, and alternatives.
Personal Capital is free because they aim to sell tailored investment advising to users with $100k or more of investments.
| Best For | Spend Tracking | Investment Tracking |
| Investment tracking and portfolio analysis. | |
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