The money tools I'd actually recommend

An all-in-one dashboard for budgeting, net worth, and investment tracking, built for couples and households.

The most popular Mint replacement; one subscription covers unlimited household members.

The best-designed app for solo users in the Apple ecosystem, with smart automatic categorization.

Apple only: iPhone, iPad, Mac, and web. No Android.

People who want to actively change how they spend, using zero-based budgeting that gives every dollar a job.

Steeper learning curve, but the strongest track record for changing behavior.

A clean, guided spending plan built around your income, bills, and goals.

Cheapest of the group. Confirm the renewal rate, which rises after the first year.

Spotting and canceling forgotten subscriptions alongside basic budgeting.

The only one here with a genuine free tier.

A genuinely free dashboard for asset allocation, hidden-fee analysis, and performance versus benchmarks.

Formerly Personal Capital. Standout free Fee Analyzer; expect advisor calls once linked assets pass ~$100K.

A single balance sheet across everything, including crypto, real estate, private equity, and collectibles.

Best alternatives coverage; built for higher-net-worth households with complex holdings.

True performance, dividend, and tax-time tracking across global stocks, ETFs, and funds.

Best-in-class dividend and DRIP tracking, with benchmark comparisons.

Backtesting allocations, stress-testing withdrawals, and studying risk, rather than syncing live balances.

The deepest modeling here. You input the portfolio; it does not link accounts.

An all-in-one hub that unifies net worth, budgeting, taxes, and access to planners.

Strength is breadth; portfolio analytics are lighter than Empower or Sharesight.

The deepest all-in-one DIY planner, covering withdrawals, taxes, Roth conversions, real estate, and long-term care.

Formerly NewRetirement. PlannerPlus adds Monte Carlo, year-by-year tax projections, and Roth modeling.

Modern, highly visual scenario modeling with granular control over every assumption.

Beloved for its clean UX; a favorite of tinkerers and the FIRE crowd.

Finding the economically optimal spend, save, and convert path, not just a success-rate percentage.

Built on economist Laurence Kotlikoff's consumption-smoothing model.

Maximum modeling depth and tax precision for power users.

The web successor to the long-respected Pralana Gold spreadsheet.

A polished, guided will or living trust, with the option to add attorney review.

Trust plan bundles a will, living trust, financial POA, and healthcare directive. The category's modern leader.

The widest set of estate documents, from the long-established legal publisher Nolo.

All tiers include a will, living trust, POA, and healthcare directive. Not available in Louisiana.

One flat fee for a household's full plan, plus a secure digital-asset vault.

Covers a will or trust, POA, and directive; each household member gets their own plan.

A well-known full-service legal brand with optional licensed-attorney consultations.

Estate planning sits inside a broader legal platform.

A fast, modern will at no cost, especially when charitable giving is part of the plan.

Available in all 50 states; lighter on full trusts, so best for simpler needs.

Automatically feeding your bank and card data into Google Sheets or Excel, then owning the spreadsheet.

The best of both worlds if you love a spreadsheet but hate manual entry.

A large library of free, polished Excel and Google Sheets templates for budgets and net worth.

Classic, no-frills, and genuinely free.