Managing your money can be a pain, but with the help of a free budget planner things get easier. Given the tough economic times we are experiencing, financial planning should play a significant role in our lives. By using a planner, we make sure our resources are best directed to satisfy our needs. Since we live in a digital world and all these tools are available to make our lives easier, you can rely on budgeting software to help you out.

You won’t find it hard to spot a free budget planner given all the available resources the Internet puts at our disposal. Here are some of the best free online budget planners:

Mint.com

Mint is one of the most popular budgeting tools. It was one of the first Web-based money managers, and it is free. You can plug in all your financial accounts, and it will give you a clear picture of your finances. Mint allows you to draw up a budget and alarms you if you’re not sticking to it. You can also set up saving goals, see how much you spend on utilities and purchases, and more. It even advises you what financial products to use if you want to save money.

Mint is also available as a free budget planner app for Android, iOS, and Windows Phone.

GnuCash

GnuCash is designed to be user-friendly, yet flexible and powerful. You can keep track of bank accounts, income, expenses, stocks, as it ensures accurate reports and balanced books. Some of the highlights of this free budget planner are small business accounting, scheduled transactions, double-entry accounting, reports, graphics, and more.

GnuCash can also import Quicken files and Open Financial Exchange files. And with the help of a cloud storage service, you can access your finances from any device, free of charge.

This free printable budget planner is available for Microsoft Windows, Mac OS X, Linux/GNU, BSD, Solaris. You can also use it on your Android phone, and you can download it on Google play.

BudgetPulse

This software is a great solution to manage your finances. You can organize your expenses, cash flow, and bank accounts in a single place. The charts and graphics will help you visualize where your money goes each month. This way, you can track your progress and spot where you can make savings. It will improve the way you manage your money.

It works in every country, just personalize your profile with the preferred currency and the correct time zone.

SavvyMoney

SavvyMoney is a financial tool designed to help you pay down debt while still being on budget. You begin by entering your debt information and your bank situation by linking the software to your online accounts or by manual insertion. Then, SavvyMoney will calculate your minimum monthly payment and provide you with a clear picture of your debt situation. This means the total debt, what to pay each month if you are to make the minimum payment and a projected debt-free date.                       debt free

BudgetSimple

BudgetSimple is, as the name suggests, a simple and straightforward tool. Its primary goal, as in the case of SavvyMoney, is to get you out of debt. You can track your expenses, trim your spending, increase savings, and more. You can link BudgetSimple to your online financial accounts or enter your information manually.

It’s free of charge as a web app, but if you want the mobile app as well, you will have to pay $4.99 per month.

Buxfer

Buxfer is an easy-to-use platform for personal finance management. You can sync to your financial institutions or credit card accounts and then all of your transactions and balances update in the system and auto-categorize themselves. You can then edit the information.

You can monitor what you spend, keep track of upcoming bills, project your income and savings interest into the future, and overall break down your goals.

Available for mobile users as well, for both Android and Apple smartphones.

Personal Capital

Personal Capital is a free budget planner for managing your assets and investments. It’s oriented mainly towards individuals who want to plan for the future. The dashboard allows you to see all that’s going on in your financial life.

Additionally, you can receive investment advice. But if you want ideas on how to manage your investments, you have to pay a 1% fee.

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