This is my version of a rant. My daughter told me today that she didn’t know how to make a budget, so here you are, darling daughter. There are budget tools of every size, complexity and description and the only thing they have in common is that most of them are free. They are in no particular order. I did a review of Expensr and liked it but wanted to see what else was available. I found a lot more than I bargained and so we have one giant list that leaves you NO MORE EXCUSES.
Free Online Budget Tools
- Expensr.com
- Websabe ( Check out Review at Get Rich Slowly)
- Kiplinger Budget Tool – Simple but effective
- CCH Financial Planning Toolkit (Calculator)
- CNN Money’s Budget Calculator
- Mvelopes Personal Budget Calculator
- Moneytrackin.com (includes savings center with tips from other users)
- My Spending Plan (includes coupon center plus bill reminder emails)
- Yodlee Money Center
- Mint
- Buxfer
- Budget Tracker
- Budget Pulse
- Billster
- Consumer Credit Counseling’s Budget Calculator
- Just Budget
- Crown Financial Ministries Spending Plans
- Home Budget Calculator from KJE Computer Solutions
Free Excel Spreadsheet Downloads
- It’s Your Money’s Envelope Check Register (One of my personal favorites, it’s fun)
- It’s Your Money Spending Plan
- BankRate’s Budget Spreadsheet
- vertex Home Budget Worksheet
- Bottom Line Budget’s Family Home Budget Worksheet
- Jaxworks Small Business Downloads
- Money Saving Experts Budget Planner
- Pear Budget Spreadsheet
- Get Rich Slowly’s Free Budget Planner
- Suite 101′s Budget Spreadsheets
- Spreadsheet123 Budget Spreadsheets
- Lifehacker’s Simple Budget Spreadsheet
- Every Dollar Matter’s PFin Free Home Budget
Free Downloadable Budget Software
- Grisbi Personal Finance Manager
- Buddi Personal Finance and Budgeting (For the financially challenged)
- Ace Money Lite
- SimpleD Budget
Free Paper Downloads
- Dave Ramsey’s Quickie Budget
- Dave Ramsey’s Monthly Cashflow
- Dave Ramsey’s Irregular Income Budget
- Freddie Mac’s Home Budget Worksheet
If Ya Just Don’t Feel Right Unless You Pay for it
- YNAB Spreadsheet is reviewed here
- YNAB Money Management System
- Mvelopes Personal Finance manager
- Principal Plan
- Budget Map
- Quicken Online
- Microsoft Money Plus
- MoneyDance
- Rich Or Poor
- iCash
- Ace Money
And there you have it, folks. I am going to be trying some of these out over the next few weeks. Did I miss any good ones? Have you tried any of these? Let me know what you think.
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Just wanted to add in one more free online budget program: http://www.budgetsimple.com it’s done wonders for me and my family!
Jim, Thanks for adding it! I will have to check it out.
This is wonderful and a lot of hard work, I’m sure.
I have linked to you under my money area on the left column
[...] tells her daughter there are No More Excuses! 50 Free or Low Cost Budget Tools posted at Oh My Aching Debts. This is an incredible list including many options: online, Excel, [...]
[...] post on 50 Free to Low Cost Budget tools was one of the editor’s picks in the Money Hackers Carnival [...]
[...] tells her daughter there are No More Excuses! 50 Free or Low Cost Budget Tools posted at Oh My Aching Debts. This is an incredible list including many options: online, Excel, [...]
this is a great collection!
I also, like Jim, wanted to point your readers to another great free online software that is an excellent budgeting tool:
http://www.TheMoneyCase.com
Have a great time budgeting everyone!
Thanks for the link!
shelley
If you want the benefits of a good, functional online personal budgeting utility but do not want to give out access to your bank accounts or your personal identity, there is one little online budgeting utility that is completely anonymous and free to use, and it is excellent for first time budgeters as well as advanced with lots of guidance and help and an open users billboard to talk to other users.
It’s called Out Of The Dark (OOTD) and it is located on the web at:
http://www.myexp.org/OOTD_banner.html
Happy budgeting.
This is great info to know.
I just finished developing my online budget application. It’s called Budgetoo and it’s 100% free. It has the control of a spreadsheet, minus the tedious work. Give it a try, and let me know what you think:
http://budgetoo.com