According to a study conducted by the Certified Financial Planners Board of Standards, Americans who have a budget feel more secure and control their finances. Unfortunately, a survey revealed that many don’t have a budget and only track their expenses.

Budgeting is crucial, and many tools can help you manage your finances. Most of these allow you to link your bank account and add other features like credit score monitoring. Here are some of the best online budgeting tools to help you get started. 

YNAB
We decided to use YNAB because it has the best combination of features and flexibility. It helps you create an intentional budget and keep track of your spending. Its goal-tracking and reporting tools also help keep track of your progress.

The app is built around the four rules of budgeting, which include giving each dollar a job, allocating every dollar, and monitoring your spending. Its goal- tracking and reporting tools are designed to help keep track of your progress and provide you with a visual representation of your spending. YNAB also offers a variety of educational tools, such as online workshops designed to help you manage your finances.

Honeydue
We decided to use Honeydue because it is the best choice for couples, allowing them to manage their finances together. It also lets them link their accounts and share information. It has various features allow you to monitor your spending and keep track of upcoming bills.

It also allows you to create custom categories and automatically categorize transactions. Its goal- tracking and reporting tools are designed to help keep track of your progress and provide you with a visual representation of your spending.

Personal Capital
Its goal- tracking and reporting tools are designed to help keep track of your progress and provide you with a visual representation of your spending. It also integrates with other financial instruments, such as investing software. You can monitor your investments’ performance and set retirement goals in one central location.

Although the app’s desktop version doesn’t have the investment checkup feature, the Android and iOS apps have various features that can help you manage your finances. If you’re a Personal Capital client, you can expect to be upsold on the company’s wealth management services because of this feature.