Budgeting & Tracking

We tested dozens of services to bring you our top picks as you look to turn knowledge into action

  • All of your banking, investing, and credit accounts linked and tracked in a single interface
  • Helps identify and cut down unwanted expenses
  • Easily identifies recurring bills to cancel (even if you think you don’t have any)
  • Will cancel subscriptions for you with a tap of a button
  • Negotiates bills lower on your behalf
  • Tracks your regular spending to help you craft a budget
  • Helpful notifications about spending more or less than usual
  • Tracks your net worth
  • Clean, easy user interface
  • Simple sign up
  • Easy bank linking through Plaid
  • Free version and low fees for premium services - you get to choose what you pay, as little as $3/month

  • Defining and tracking your budget upfront takes a little work
  • Not every subscription can be automatically canceled
  • You have to be comfortable linking all of your financial details through one interface
  • Truebill does take a commission if they are able to negotiate your bills lower
  • Rocket bought Truebill and renamed it to Rocket Money

Worthy alternatives

Personal Capital

Personal wealth management dashboard

  • Easily link all of your bank and investment accounts for a complete wealth picture
  • Tracks and reports income, expenses, trades, and fees
  • Provides detailed asset allocation picture
  • Reports performance across all of your accounts
  • Projects retirement scenarios for long-term planning
  • Totally free
  • Responsive customer service
  • Spending and bill pay alerts
  • Complimentary introduction to a financial advisor

  • You will have to turn down a financial advisor if you don’t want to pay for one, but it’s free to use the tool
  • Not many budgeting features, more geared towards investments

Worthy alternatives

Bright

High-tech automation to build savings and pay off credit cards

  • Artificial intelligence analyzes your income and bills to reach your goals
  • Helps do the budgeting work for those with limited time, working paycheck-to-paycheck
  • Bright automates transfers, putting aside extra funds when you can afford it
  • Choose your own goals and priorities - build savings, improve credit, or pay off debt
  • Customize which cards you want to pay down first
  • User-friendly interface
  • Easy set-up and Plaid account linking
  • Solid customer support with integrated chat
  • Accessible educational content
  • Savings account is FDIC insured up to $250,000

  • Fees are low, but not insignificant
  • The system is inherently complex, requiring users to place trust in their algorithm
  • For it to work well, you have to be comfortable linking all of your bank accounts and allowing Bright to make transfers on your behalf
  • It’s not that necessary if you don’t have credit card debt
  • Better for those with stable, recurring income

Worthy alternatives

Rocket Money (Truebill)

Spending tracker that helps lower your bills

  • All of your banking, investing, and credit accounts linked and tracked in a single interface
  • Helps identify and cut down unwanted expenses
  • Easily identifies recurring bills to cancel (even if you think you don’t have any)
  • Will cancel subscriptions for you with a tap of a button
  • Negotiates bills lower on your behalf
  • Tracks your regular spending to help you craft a budget
  • Helpful notifications about spending more or less than usual
  • Tracks your net worth
  • Clean, easy user interface
  • Simple sign up
  • Easy bank linking through Plaid
  • Free version and low fees for premium services - you get to choose what you pay, as little as $3/month

  • Defining and tracking your budget upfront takes a little work
  • Not every subscription can be automatically canceled
  • You have to be comfortable linking all of your financial details through one interface
  • Truebill does take a commission if they are able to negotiate your bills lower
  • Rocket bought Truebill and renamed it to Rocket Money

Worthy alternatives

Personal Capital

Personal wealth management dashboard

  • Easily link all of your bank and investment accounts for a complete wealth picture
  • Tracks and reports income, expenses, trades, and fees
  • Provides detailed asset allocation picture
  • Reports performance across all of your accounts
  • Projects retirement scenarios for long-term planning
  • Totally free
  • Responsive customer service
  • Spending and bill pay alerts
  • Complimentary introduction to a financial advisor

  • You will have to turn down a financial advisor if you don’t want to pay for one, but it’s free to use the tool
  • Not many budgeting features, more geared towards investments

Worthy alternatives

Bright

High-tech automation to build savings and pay off credit cards

  • Artificial intelligence analyzes your income and bills to reach your goals
  • Helps do the budgeting work for those with limited time, working paycheck-to-paycheck
  • Bright automates transfers, putting aside extra funds when you can afford it
  • Choose your own goals and priorities - build savings, improve credit, or pay off debt
  • Customize which cards you want to pay down first
  • User-friendly interface
  • Easy set-up and Plaid account linking
  • Solid customer support with integrated chat
  • Accessible educational content
  • Savings account is FDIC insured up to $250,000

  • Fees are low, but not insignificant
  • The system is inherently complex, requiring users to place trust in their algorithm
  • For it to work well, you have to be comfortable linking all of your bank accounts and allowing Bright to make transfers on your behalf
  • It’s not that necessary if you don’t have credit card debt
  • Better for those with stable, recurring income

Worthy alternatives

Pick the platform that makes things easier for you

At the end of the day, it's all about what's right for you. With something like budgeting, debt management, or investing, the most important criteria is that you feel comfortable using it. Otherwise, you're not going to build the confidence to take your future into your own hands. If you're buying basic stocks and funds to hold for the long term, you can do that almost anywhere. Just find a respectable institution that charges low or no fees and has an interface you don't hate using.

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