Top 6 Personal Finance Tools for 2021

Leading Personal Finance Solutions of 2021

Managing personal finances is essential for financial stability and growth, regardless of age. With advancements in finance technology, there are now numerous software options that make budgeting, investing, and bill management easier than ever. Selecting the right tool, however, can be challenging amid many choices.

To assist you, we've compiled a list of the top personal finance applications for 2021, highlighting their features and benefits.

Quicken
Qicken is a widely-used, highly-rated personal finance platform. It helps users create budgets, track debts, and manage overall finances efficiently. If you're into investing, Quicken allows portfolio review and market comparisons to enhance decision-making. It supports online bill payments and is available on Windows, macOS, Android, and iOS, enabling finance management on-the-go.

Personal Capital
Ideal for long-term wealth planning, Personal Capital consolidates all financial accounts, including IRAs, 401(k)s, mortgages, loans, and credit cards, providing a comprehensive view of your net worth. The platform offers many free tools for financial management, and individuals with assets exceeding $100,000 may access free advice from professional financial advisors.

YNAB (You Need A Budget)
YNAB emphasizes education on budgeting, helping users develop better financial habits. It assists in reducing overspending, managing debts, and saving for future goals. Whether you're new or experienced in personal finance, YNAB offers a 34-day free trial to evaluate if it fits your needs.

Mint
If free personal finance software is what you seek, Mint is a prime choice. Operating for over ten years, Mint connects all your accounts to give a complete financial overview. It tracks bills, credit payments, and provides personalized tips to help optimize spending, save money, and reduce debt, making it a comprehensive financial management tool.

Honeydue
For couples planning their financial future together, Honeydue offers tailored features. It allows joint account management, sends reminders for bill payments, and provides real-time notifications about balances and expenses, fostering transparency and collaboration in shared finances.

Mvelopes
If you prefer traditional envelope budgeting, Mvelopes digitalizes this method. It helps users allocate funds into virtual envelopes, track spending, and manage cash flow across linked financial accounts. Available on both desktop and mobile devices (iOS and Android), it combines old-school budgeting with modern technology.