Budgeting

10 Best Personal-Finance Tools to Better Manage Your Money

Take control of your finances with these budgeting and credit sites, tax software, health care tools and more.

As part of Kiplinger's annual list of the best personal finance products and services, we picked the top money-management tools, from sites to help with budgeting and monitoring your credit to services that will help protect your identity . Be sure to see the complete list of our favorite investments, financial products, travel tools and more.

Budgeting Web site

Mint.com makes it easy to set up and stay on a budget. The free site securely tracks your financial accounts (you provide log-in info), alerts you when bills are due and monitors progress toward your financial goals. It also notifies you about unusual spending patterns.

 

Tax software

With TurboTax, you can electronically download W-2s and 1099s from thousands of employers and financial institutions, a time-saving feature that reduces errors (H&R Block tax software’s list isn’t as comprehensive). For tax year 2014, users can also arrange to be notified when their W-2 is available for download.

Person-to-person payments

Square Cash is free and easy to use, and users don’t have to register. You send cash from an account tied to your debit card to the recipient’s account securely via e-mail or text. Most payments are deposited in minutes.

Health care tools

Healthcare Bluebook calculates “fair prices” (the amount that providers usually accept from insurers) for hundreds of services searchable by zip code, and it offers tips on how to shop for better deals. GoodRx’s search engine estimates how much your prescription drugs cost at nearby pharmacies and flags generic options. Scheduling a hospital stay? Medicare.gov’s Hospital Compare looks at quality measures, such as readmission rates, in relation to state and national averages.

Free credit site

Drawing data from credit agency Trans­Union, Credit Karma provides your credit score and lets you access your credit report. It also monitors the report for suspicious activity. The tool’s “report card” offers tips on how to improve your mix of accounts and payment history to raise your score.

Immediate annuity

Payouts can vary a lot from company to company based on your age, sex, amount and type of payout. The best way to find out which insurers offer the highest lifetime payouts for you is to go to ImmediateAnnuities.com. It provides quotes for most of the top annuity companies.

Password manager

LastPass stores a plethora of passwords using military-grade encryption. A browser add-on save your log-in information on each Web site.

ID protection service

The TrustedID Essentials package ($125) a year or $14.99 a month) monitors your credit reports from the three major credit bureaus for suspicious activity, provides an Equifax credit score and scans black-market sites for your Social Security, credit card and bank account numbers. Plus, TrustedID helps you cancel and replace cards if you lose your wallet and provides insurance to help cover costs that you incur after identity theft.

Most Popular

The 25 Cheapest U.S. Cities to Live In
places to live

The 25 Cheapest U.S. Cities to Live In

Take a look at our list of American cities with the lowest costs of living. Is one of the cheapest cities in the U.S. right for you?
August 7, 2022
Your Guide to Roth Conversions
Special Report
Tax Breaks

Your Guide to Roth Conversions

A Kiplinger Special Report
February 25, 2021
Kiplinger's Weekly Earnings Calendar
stocks

Kiplinger's Weekly Earnings Calendar

Check out our earnings calendar for the upcoming week, as well as our previews of the more noteworthy reports.
August 12, 2022

Recommended

How to Steer Your Retirement Portfolio Through the Storm
retirement planning

How to Steer Your Retirement Portfolio Through the Storm

Right now, it feels like there’s an economic challenge around every corner. But the good news is you can still protect your nest egg.
August 12, 2022
Annuities Rising in Popularity
annuities

Annuities Rising in Popularity

As interest rates increase, so does the appeal of annuities. How much do you know about these insurance products?
August 9, 2022
When Are 2022 Estimated Tax Payments Due?
tax deadline

When Are 2022 Estimated Tax Payments Due?

If you're self-employed or don't have taxes withheld from other sources of taxable income, it's up to you to periodically pay the IRS by making estima…
August 6, 2022
18 States With Scary Death Taxes
inheritance

18 States With Scary Death Taxes

Federal estate taxes are no longer a problem for all but the extremely wealthy, but several states have their own estate taxes and inheritance taxes t…
July 29, 2022