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10 Free Sites for Personal and Family Budgeting

10 Free Sites for Personal and Family Budgeting

There are many different sites online that can help you establish a budget, track your expenditures, save for special occasions, and manage your money online. Here are 10 free sites that are worth exploring in your spare time.


Mint is a free money management tool that helps you see how you are spending your money. It was originally designed for American users but has since evolved to include tools for Canadians as well. Not every Canadian bank account can be linked to this site, but Mint is constantly adding new institutions to its list.


Credit Canada, a non-profit agency, created PiggyPal to help people monitor and improve their daily spending habits. The tool notifies you when you have gone over budget and congratulates you when you control your spending.


Yodlee’s free Money Center makes it easy to track your spending, pay your bills, and control your budget. The site allows you to view all of your information online or print detailed finance reports.


Wesabe helps you get answers to your finance-related questions. The site’s built-in community also offers plenty of support and ideas for personal and family budgeting.


Unlike many budgeting tools, BudgetPulse does not link to your financial accounts. It is perfect for the security-minded individual who wants to establish a budget, create saving goals, and track their spending online without entering private bank account information.

The Savings Spot

Created by the Royal Bank of Canada, this free tool helps you determine how much you can save based on your income and expenses. The tool is easy to use and even includes a savings calculator designed to help you meet your savings goals.

Canadian Capitalist

Canadian Capitalist offers several useful online calculators in addition to a portfolio tool that allows you to track your investments and see how well they are performing. Other site features include forums, a free newsletter, and articles on saving, spending, investing, taxes, and retirement planning.


MoneyProblems provides online calculators, a free debt evaluation, articles, an anonymous Q and A blog, and other budgeting tools for Canadians. The site also offers a free forum for people who would like to discuss their debt problems and lean on others for support.

Fiscal Agents

This financial service group provides a range of free tools for individuals, including saving and investment calculators, retirement planning calculators, and personal budget planners and worksheets.

Red Flag Deals

Red Flag Deals is an online bargaining community that can help you find deals on the things you buy. Although this is more of a spending site than a saving site, it can help you keep your budget under control.

Author Bio: Bailey Harris writes about car insurance quotes and other finance topics for


  1. John

    Two other sites that are worth a look at are and After checking out almost every online money management sites, I think I have found the one that does everything I want, in Buxfer. It allows you to import transaction from QIF, QFX, and CSV formats. I have several accounts that I can’t link into from sites like Also, it allows for revolving /rollover budgeting. That is the system I have been using for a while now in Excel, but was getting tired of manually adding transactions into it.

  2. Jessica07

    How very helpful! 🙂 Hmm… I think this post may show up again this Sunday.

  3. James Gustafson

    Nice blog, but I just wanted to point out that there are some good free accounting and tax websites out there that provide really useful information for households. Maybe for another blog?

    • Tom Drake

      Always interested in sharing more great sites… I’m sending you an email right now to see if you’d like to guest post!

  4. Ryan

    The first thing I do when looking for a site is look into the forums to see the issues and Buxfor is dead as per this article. It looks like the founders took jobs at facebook and no more support is given. No telling when the site will shut down and information is lost.

  5. Rob from Wave

    Nice list. May I add Wave Accounting to that? Though Wave is primarily a free online accounting program for small businesses, each Wave account has a Personal dashboard where you can track your household income and spending. And it’s totally free, too! You can connect your bank to Wave and transactions will come in automatically, or if you prefer, you can upload electronic statements. Either option lets you skip manual entry of each receipt, so tracking your personal money is fast and easy.

  6. Hareiana

    Not sure how many like to budget online anonymously without giving out access to bank accounts and how many heard about this website but I used Out Of The Dark (OOTD) Budgeting for over a year now and it really changed my life financially. It has budgeting and expense tracking on one page side by side which I love, it has cash put-aside and personal stock management built in, and it has something called Credit Card Debt Terminator which I have not seen anywhere else which is great if one wants to get out of any credit card debt situation, it is completely anonymous to use, does not require me to give out access to any of my bank accounts and it’s unconditionally free. Find it at:

  7. Free Money

    Great roundup. Reminds us that while there may not be such as thing as “Free Money”, there is a pretty decent assortment of free tools to manage your “not free” money 🙂

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    An newsworthy language is designer observe. I imagine that you should create more on this matter, it power not be a inhibition soul but mostly grouping are not enough to communicate on such topics. To the next. Cheers like your 10 Free Sites for Personal and Family Budgeting.

  9. Canats

    These sites will definitely help the new tax payers to get the suggestions.


    You’ve got great insights about free money making ideas, keep up the good work!

  11. john

    i use a free software called spending viewer It is a windows application that is isolated to your local computer. It does not ask for your bank website credentials. You can track all of your accounts in single page. Setting up takes less than 5 mins. It allows you to upload transactions in a bulk or manually enter them as needed. It automatically assigns categories based on your settings. It has various reports allowing you to track better. Report by category, by month, by year, by payees, by budget. You can choose various time periods for all of these reports. Setup budget by weekly/monthly, and track it. It is really fast, shows years worth of data in less than a second, and all in a single screen with single click.

  12. James

    Thanks for sharing this great list. I JUST started trying out Mint just last year and have loved it so far. It is a great tool.

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  16. Adrian

    In my opinion it is very important to keep expenses under control and plan for future. I am doing this for a few years already. I started by using an excel spreadsheet but later I realized there are a lot of free online tools that are doing this very well. I am currently using

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