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Best Personal Finance Services in Oct 2021

The Top 10 Best Personal Finance Services for 2021

Contributors: Nicola Date, Katherine Read
Reviewed by Francis Hui

We’re in the Age of Technology and Everyone Wants to Be Their Own Boss. There Are a Lot of Services That Can Help With This, but Which Ones Should You Choose?

personal finance

Top 10 Best Personal Finance Services for 2021: Analysis & Comparison

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Money is a topic that many people are afraid to talk about. Whether you’re earning too much or not enough, it can be tough to know where your money should go.

Personal finance services exist with the sole purpose of helping us manage our finances and make more informed decisions when it comes to budgeting and spending.

In this article, we will explore some of the best personal finance services for 2021 with tips on how they can help you with your financial goals.

Personal Finance Service #1: Mint

Mint is a free online financial software1 that helps people understand their money. It shows users over time how they can improve their spending habits in order to meet short-term and long-term goals like retirement or buying a car.

mint

Personal Finance Service #2: Quicken Deluxe

Quicken Deluxe is a highly regarded personal finance software that helps people track their finances. It’s easy to use and presents users with useful financial data like spending trends, debt-to-income ratios, net worth over time, cash flow reports, and more. The service also provides tools for investing in stocks2 or mutual funds as well as retirement planning through Quicken Premier.

quicken deluxe

Personal Finance Service #3: Credit Karma

Credit Karma is a free credit monitoring service that helps people understand and improve their credit scores. It provides you with your three-digit FICO3 score instantly, shows what’s affecting it (e.g., late payments or high balances), and even offers advice on how to make changes for better financial health down the road.

credit karma

Personal Finance Service #4: WalletHub

WalletHub is a free personal finance service that helps people compare and apply for financial products like credit cards, savings accounts, loans, mortgages4, and more. It also provides useful information on topics such as student loan refinancing or preparing your taxes which can become complicated if you aren’t familiar with the process of doing so.

wallethub

Personal Finance Service #5: YNAB

YNAB stands for You Need A Budget and is a very popular personal finance service that helps people manage their money. The program focuses on three main principles: giving every dollar a job, staying out of debt, and living off last month’s income which all work together to help make budgeting easier especially if you tend to overspend each month.

ynab

Personal Finance Service #6: Credit Sesame

Credit Sesame is a personal finance service that helps people understand their credit scores5. It provides free tools for learning about the impact of different financial events on your score, how to improve it over time, and what might be preventing you from doing so (e.g., late payments).

credit sesame

Personal Finance Service #7: Moneydance

Moneydance is a personal finance service that helps people manage their money, track expenses, and save up for goals. The program uses an interface similar to Microsoft Excel which allows users to input various financial details into columns or rows in order to better organize everything from monthly bills to daily expenses within one place.

moneydance

Personal Finance Service #8: NerdWallet

NerdWallet is a personal finance service that helps people compare and apply for financial products like credit cards, savings accounts, loans, mortgages, and more. It also provides useful information on topics such as student loan refinancing or preparing your taxes which can become complicated if you aren’t familiar with the process of doing so.

nerdwallet

Personal Finance Service #9: Personal Capital

Personal Capital is a free personal finance service that helps people manage their money. It offers useful features like real-time updates for up to 18,000 financial institutions throughout the US or even in different countries with the automatic categorization of transactions.

personal capital

Personal Finance Service #10: CountAbout

CountAbout is a personal finance service that helps people save money. It offers useful features like custom savings goals so users can put together an actionable plan for saving towards something specific which might be difficult to do on their own especially if they’re unsure how much they should initially start with or what the best path forward maybe look like.

countabout

Common Questions

Are Personal Finance Services Free?

How Can I Get Started With a Personal Finance Service?

The personal finance services that are best for you will depend on your needs, goals, and financial situation. It’s important to weigh the pros and cons of each service before deciding which one fits with your current lifestyle. Once you’ve found a few options that sound like they would work for you, it may be helpful to speak with an advisor or visit their website to get more information about fees, rates of return, etc.

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Money Matters
rachel w

Written by
Rachel Wait
Personal Finance Journalist

Rachel is an experienced finance journalist and editor with a particular interest in personal finance and consumer affairs. She has vast experience writing about money issues, property, insurance, and consumer affairs, and you’ll find her articles regularly featured in top media and newspaper publications.
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Written by
John Lawson
Founder SovereignBoss

John is passionate about education and has made it his life-long mission to assist UK citizens on their future financial options, with a specialist interest in equity release, and SovereignBoss is the natural extension of this passion.
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Written by
Francis Hui
Senior Risk Manager

Having held various high-level roles across the industry, Francis is truly an expert in aiding UK citizens in their financial decisions and risk analysis. His unique insight and statistical knowledge make him the perfect person to help you take your financial future to the next level.
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Written by
Katherine Read
Financial Planning Reporter

Since joining the editorial team at SovereignBoss, Katherine has become focused on bringing transparency to finances and opportunities for those approaching retirement age. She writes on the topics of equity release, home reversion, and mortgages.
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Written by
Nicola Date
Writer & Financial Journalist

Nicola is a financial writer for SovereignBoss and is passionate about the opportunities that equity release can open up for homeowners. Her extensive business experience and deep understanding of the industry means that she’s always up-to-date with the latest developments.

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