6 Free Apps to Help You Tackle Debt

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4. Personal Capital

Personal Capital is a popular tool for those who like to track their finances. It not only helps you manage your money but investments too. Again, it’s a system that allows you to view all of your accounts in one place, though it’s a little more reliable than Mint. Personal Capital has a very easy-to-use dashboard, which is clear and concise – without advertising. It also allows you to pay off debts and grow your savings at the same time.

5. EveryDollar

Without a solid budget, it’s quite difficult to pay back your debts. EveryDollar is a relatively new tool in the budgeting world, but it does a good job. After working out your finances with EveryDollar, you’ll know exactly how much you have left over to pay back your debts with. Without this knowledge, it’s more likely that you’ll just pay the minimum and be in debt for most of your life. You can use this program on computer and mobile, to connect your accounts and drag and drop transactions into place.

6. Google Sheets

If you want to keep things more traditional, you can use a spreadsheet. Google Sheets is online and accessible from anywhere that you have Wi-Fi access. It’s like Microsoft Excel and allows you to build your own templates or import pre-made ones.

With Google Sheets, it’s not possible to link your bank accounts, but if you like the basics it should work for you. You can use it detail your monthly incomes and outgoings, or even build a debt reduction calculator.