CreditKarma is an online website that allows users to calculate their credit card score and never get into credit card debt. Yes, the service is totally free and secure. The website also provides the users with a credit report card, which you can analyze to save money.

Using the service is simple and easy. All a user has to do is create an account on the CreditKarma website. Once done, you can login into your account configure your credit card and then start checking reports and get free analysis over a period of time.

Features

• Free service – does not require the user to use charged third-party tools or services.
• Save money – get analytical reports and summaries to help you save money.
• Automatic e-mail alerts and credit score simulator also available.

Check out CreditKarma @ https://www.creditkarma.com (via LifeHacker)

Just enter your age and some financial information then the tool will compare it to accepted standards and let you know how you are doing. For example, if your debt payments are less than 36% of your annual gross income, you are in a good position. It also looks at things like portfolio diversification and company stock. If you are doing poorly in a particular area, it will give you additional information.

Features:

• Check your financial health with a simple quiz.
• Covers topics like debt, house payment, investments and more.
• No registration required.
• Similar tools: WhereMyMoneyGoes, VisualEconomics, TaxACT, and CalcMoolator.

Visit FinancialHealth @ http://cgi.money.cnn.com/tools/financialhealth/index.html [Via LifeHacker]

BillBaba helps you at different fronts of your finances. Firstly it helps you set up reminders for payments. These reminders can be delivered to you via email, phone, and Facebook. The information of bills and their payments can all be recorded online to note where your money went. Your spending is then analyzed through graphs and you can immediately spot which areas you are overspending in.

You can also keep a track of money owed to you by friends; the site then automatically sends them reminders in case you forget. Finally the Financial Goals section helps keep a track of your goals and dedicate savings to them.

Features:

• A user-friendly web service.
• Helps manage your finances.
• Can set reminders for payments and debts.
• Helps keep track of financial goals.
• Similar tools: Thrive, BudgetPulse and PocketSmith.
• Also read related articles:
  5 Fun Personal Web Apps to REALLY Track Your Life
  7 Tools To Help You Develop A Solid Financial Savings Plan

Check out BillBaba @ www.billbaba.com (by MOin from Urban Savior)

Calkoo is a free to use web service that will prove useful to countless people on the Internet. The site is basically a suite of various calculator web-apps. Depending on your type of calculation you can select the appropriate app from the list available on the site. The list is categorized into wages, budgeting, financial analysis, capital costs, stocks, measurements, loans, savings, health, and mathematics.

Simply click on a calculator in these categories and you will be taken to a page where you can enter your values and have them computed for your desired answer.

Features:

• A user-friendly web service.
• A suite of online calculators.
• Covers a wide range of calculations.
• Does not require any registration.
• Similar tools: CalcMoolator, Mookal, MyBankTracker, IRS Withholding Calculator, WhatsTheCost, TripLittle and Repayment Calculator.

Check out Calkoo @ www.calkoo.com (By Umar from AllThatIsApple)

Skyclerk is a web service that lets companies monitor their finances online. By creating an account on the site you can start adding incomes and expenses to a finance stream. You can label expenses and details to them for better organization. Others can be added to your Skyclerk account to help feed transactions as soon as they happen. Your ledgers keep a balance of your finances at all times showing your net profit or loss and total income and expense amounts.

Skyclerk offers its users a free account with a limitation of 3 users and 20 transactions per month; to remove these limits you can opt for the site’s premium services that cost $9 per month.

Features:

• A user-friendly web service.
• Helps manage a company’s finances.
• Lets you easily feed in your transactions.
• Lets you add partners to your account.
• Keeps a ledger for net profit / loss.

Check out Skyclerk @ www.skyclerk.com (by MOin from Urban Savior)

PayMeBack is compatible with the iPod touch, iPhone, and iPad running version 4.2 or later of iOS. The app helps you and your friends keep track of the money you owe one another; since recording those transactions mentally or on a piece of paper is often ineffective, this app proves to be very useful.

Firstly, you and your friends need to have an iOS device with this application installed. Next whenever one of you lends money to the other, you can open the app, type in your friend’s name along with the amount they owe you. You can share this record with your friend so they have it in their app too.

The app also lets you keep a track of money you owe other friends. Another nifty is feature is letting you add an amount and letting the app divide it equally among multiple friends; the divided amount is what each will owe you.

Features:

• A user-friendly phone app.
• Compatible with iOS devices.
• Helps keep track of money friends owe you.
• Helps keep track of money you owe friends.
• Similar tools: WhatsYourShare, Spendbrite, DimeTracker, BillsAreIn and SpendingDiary.
• Also read related articles:

  15 Cool Tools for easy Expense Tracking and Budgeting
  Manage Your Budget & Expenses Using Google Budgeting Tools

Check out PayMeBack @ http://itunes.apple.com/us/app/paymeback/id453665915?mt=8 (By Umar from AllThatIsApple)

Birdy is a user-friendly web app that helps analyze your expenditures and spending habits. Unlike similar websites on which you have to log in to feed your data, Birdy emails you every day; you respond to this email with your expenditures.

The format you follow is quite simple; for instance if you spent $2 at McDonalds, you simply include in the email “$2 mcdonalds #food” to log the expenditure into the food category. Similarly you can include details of all daily expenditures in separate lines of the email; your data is displayed as a pie chart and plotted against time.

At the end of the week or whenever you want to view this data you can log into your Birdy account and visit your dashboard to see these graphs. The dashboard is also where you can include additional expenses you forgot to include in the emails.

Features:

• A user-friendly web app.
• Analyzes your expenditures.
• Lets you feed your expense data to app via email.
• Graphically analyzes your expenses.
• Similar tools: Grndctrl, Spendful, Accpal, BudgetTracker, BudgetPulse, Thrive, and BillFloat.
• Read about 5 Personal Finance Sites That Will Help Get You In Shape.

Check out TheBirdy @ www.thebirdy.com (By Umar from AllThatIsApple)

Grndctrl is a free to use application that helps find out the time period you will need to wait before you can buy the items you want. All you have to do is create an account on the site and then enter your sources of income and expenditures. With each income source you can enter a percentage deduction to signify taxes, with each expenditure you can specify their frequency e.g. monthly. You can also include your savings in the bank along with the interest rate. Finally you type in the items you want to buy under the “Rewards” tab.

Your data for the monthly income is computed by the site and displayed as a pie chart. A savings graph reveals how your savings will progress over the coming months.

At the bottom of the site you will find that Grndctrl has calculated the period you will need to wait before you can buy your Rewards.

Features:

• A user-friendly web service.
• Helps find out how long you will have to wait before you can buy items.
• Factors in income with taxes.
• Factors in expenditures with frequency.
• Factors in savings.
• Displays monthly financial data as a pie chart.
• Plots your savings as a graph.

Check out Grndctrl @ www.grndctrl.com (By Umar from AllThatisApple)

Particularly if you deal with multiple health insurance companies, you will need a tool that automatically connects with the insurance accounts and gathers your billing information. Simplee does precisely this. It lets you create an account on the site and then connect your insurance accounts using the online username and passwords the companies give you.

With the accounts connected, the site stores your medical information in archives. It also sends you notifications of important events such medical bills and insurance claims. The objects of these notifications – bills, for instance – are explained for your benefit. The expenses are clearly categorized to differentiate one type of expense from another.

Overall, Simplee eliminates the need for paperwork when it comes to health expenses thereby making your life much easier.

Features:

• A user-friendly web service.
• Neatly presents medical and health insurance information.
• Gathers data by connecting with your online insurance accounts.
• Categorizes your expenses.
• Eliminates the need for paperwork.

Check out Simplee @ www.simplee.com (by MOin from Urban Savior)

Spendful works simply by letting you create a budget with a starting balance. Each budget has a page where you can put in your income and expenses. There is also a field to place the expected and actual income and expenses, and on the left side you can see the start, current, and ending balances. These numbers put together gives a nice overview of your current cash flow so that you can easily see what you need to do to reach your budget goals.

You can create as many budgets as you like and even have the option to copy the existing budget for the next month, or clear the budget for the rest of the month.

Overall, Spendful can track multiple budgets and break down the details of each so you know if your budget goals are completed for the month.

Feature:

• Personal budget tracking online.
• Enter expected and actual income and expenses.
• Create as many budgets as you like.
• Copy existing budget for next month.
• Similar Tools: Accpal, BudgetTracker, BudgetPulse, Thrive, and BillFloat.
• Read about 5 Personal Finance Sites That Will Help Get You In Shape.

Check out Spendful @ www.spendful.com