Negotiate Debts, Frugal Living, Save Money | No More Excuses! 50 Free or Low Cost Budget Tools

No More Excuses! 50 Free or Low Cost Budget Tools

Posted on March 7, 2008
Filed Under Uncategorized |

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

  1. Expensr.com
  2. Websabe ( Check out Review at Get Rich Slowly)
  3. Kiplinger Budget Tool - Simple but effective
  4. CCH Financial Planning Toolkit (Calculator)
  5. CNN Money’s Budget Calculator
  6. Mvelopes Personal Budget Calculator
  7. Moneytrackin.com (includes savings center with tips from other users)
  8. My Spending Plan (includes coupon center plus bill reminder emails)
  9. Yodlee Money Center
  10. Mint
  11. Buxfer
  12. Budget Tracker
  13. Budget Pulse
  14. Billster
  15. Consumer Credit Counseling’s Budget Calculator
  16. Just Budget
  17. Crown Financial Ministries Spending Plans
  18. Home Budget Calculator from KJE Computer Solutions

Free Excel Spreadsheet Downloads

  1. It’s Your Money’s Envelope Check Register  (One of my personal favorites, it’s fun)
  2. It’s Your Money Spending Plan
  3. BankRate’s Budget Spreadsheet
  4. vertex Home Budget Worksheet
  5. Bottom Line Budget’s Family Home Budget Worksheet
  6. Jaxworks Small Business Downloads
  7. Money Saving Experts Budget Planner
  8. Pear Budget Spreadsheet
  9. Get Rich Slowly’s Free Budget Planner
  10. Suite 101’s Budget Spreadsheets
  11. Spreadsheet123 Budget Spreadsheets
  12. Lifehacker’s Simple Budget Spreadsheet
  13. Every Dollar Matter’s PFin Free Home Budget

Free Downloadable Budget Software

  1. Grisbi Personal Finance Manager
  2. Buddi Personal Finance and Budgeting (For the financially challenged)
  3. Ace Money Lite
  4. SimpleD Budget

Free Paper Downloads

  1. Dave Ramsey’s Quickie Budget
  2. Dave Ramsey’s Monthly Cashflow
  3. Dave Ramsey’s Irregular Income Budget
  4. Freddie Mac’s Home Budget Worksheet

If Ya Just Don’t Feel Right Unless You Pay for it

  1. YNAB Spreadsheet is reviewed here
  2. YNAB Money Management System
  3. Mvelopes Personal Finance manager
  4. Principal Plan
  5. Budget Map
  6. Quicken Online
  7. Microsoft Money Plus
  8. MoneyDance
  9. Rich Or Poor
  10. iCash
  11. 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.

Help keep me awake to write by buying me a cup of coffee! .

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Comments

8 Responses to “No More Excuses! 50 Free or Low Cost Budget Tools”

  1. Jim on March 8th, 2008 11:28 am

    Just wanted to add in one more free online budget program: http://www.budgetsimple.com it’s done wonders for me and my family!

  2. CindyS on March 8th, 2008 4:42 pm

    Jim, Thanks for adding it! I will have to check it out.

  3. ~Dawn (2 comments.) on March 10th, 2008 7:09 pm

    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

  4. Money Hacks Carnival #3: What is a Hack? on March 12th, 2008 7:46 am

    [...] 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, [...]

  5. Money Hacker’s Carnival #3 Live at My Two Dollars | Oh My Aching Debts on March 12th, 2008 7:54 am

    [...] post on 50 Free to Low Cost Budget tools was one of the editor’s picks  in the Money Hackers Carnival [...]

  6. Money Hacks Carnival #3 at My Dollar Plan | Money Hackers Network on March 12th, 2008 8:23 am

    [...] 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, [...]

  7. the debt defier (1 comments.) on April 13th, 2008 10:52 am

    this is a great collection!

  8. Denina (1 comments.) on April 24th, 2008 9:52 pm

    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!

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