There are many free online budgeting tools that you can use to create or track a budget. However, sifting through them to find a good one can be tricky. Below are some websites that list online budgeting software, as well as provide descriptions or reviews of them, so that you can have some idea of what each one does. If you find a program that you think sounds good, search its name on Yahoo! or Google and see if you can find some user reviews before giving it a shot. With any program, make sure you research it thoroughly before giving out any sensitive information such as bank account numbers, PINs, or passwords.
* DoughRoller.net
At DoughRoller.net you can find a lot of useful financial information, including current mortgage rates, a list of the best online banks, and a basic guide to investing. They also have a list of 10 online budgeting programs, with detailed information about many of them. The programs on the list are either free or they offer a free trial.
* BetterBudgeting.com
BetterBudgeting.com has a page of useful links for anyone looking to create a budget. Most of the online tools are calculators, such as a tuition savings calculator, a credit card payoff calculator, and an own vs. rent calculator.
* MyMoneyBlog.com
Jonathan, who runs MyMoneyBlog, tracks his financial information online and provides a lot of tips on earning and saving for readers to use. He has posted a list of free budgeting software, which includes both online and offline tools. Each link includes a brief description of the program mentioned.
* BibleMoneyMatters.com
BibleMoneyMatters is a “faith and finance blog.” Pete has compiled an extensive list of budgeting tools and software, some of which are free and some of which are not. The list includes programs that run online as well as downloadable programs that run off of your computer. The links are organized alphabetically, and each one has a brief description. At the bottom of the post is a section of financial apps that iPhone/iPod owners might find useful.
* GradMoneyMatters.com
GradMoneyMatters has a list of free budgeting tools posted by Karen Schweitzer. Some of the programs found here can also be found on some of the other lists, but many of them are aimed at students or former students who need to plan a budget.