Walletmaster allows you to look at what is available in your budget as a whole and also visualize where your money is going. You then enter in any purchases you make and categorize these purchases as you go. Rather than setting up envelopes, you set a spending goal for the week or month. (Free, although the company offers an upgraded “Plus” plan for $5/month or $45/year. Goodbudget also allows you to sync your budget with family members if you’re on the paid Plus plan. It also encourages setting up envelopes to meet your savings goals. Instead of putting money for groceries, rent, and car payments into real envelopes, this nifty app allows you to divide your income into virtual envelopes for your anticipated expenses. Goodbudget sets up a virtual “envelope budgeting” system.
You can even view how your investments are doing on the same app! (Free: Apple, Android, tablet, online) Goodbudget Once your budget is in place, you can track your spending-which Mint will categorize for you-and set and track savings goals. Mint allows you to link all bank, investment, and credit card accounts to the app, allowing you to create a budget based on historical spending patterns. Mint has a horde of fans-the company boasts 10 million users worldwide, perhaps for it’s all-in-one convenience. You can even connect your budget with your bank and investment accounts. Mobile apps for Android and iPhone can help you create a budget and track your spending in an up-to-the-minute fashion. Apps to Make Budgeting a SnapĬreating a budget is easier than ever, thanks to new technology. Have a kid who will be going to college in a few years? Investopedia’s calculator can help you figure out how much you need to save to cover tuition. There’s even a how-to video to help you get the most out of the calculator. Just enter in the price of the home you’re considering, along with other pertinent details, and BankRate’s mortgage calculator will help you figure out how much your monthly payment will be. BankRate’s Mortgage CalculatorĪ vital budgeting tool for anyone thinking of buying a home. Will you have enough to retire? Enter a few important pieces of info, like your age and how much you have saved already, into AARP’s calculator, and it’ll tell you how much you will have saved by retirement age and how much you need to step up. Want to have a million dollars? Use CalcXML’s “Becoming a Millionaire” calculator to figure out how much and how long you need to save to be a millionaire. Enter your current debt, emergency savings, retirement savings, and other information for a big-picture look at how well you’re doing with your money. Have a bit of time on your hands? It can’t be better spent than checking your financial wellness with CNN Money’s financial health calculator. Check out your financial wellness with these calculators. Being a socially responsible investor starts with being informed about your finances.
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