Introduction
If you can’t track your money, you can’t control it. The right tools make budgeting easier, showing you where your cash goes and helping you stick to your goals. Whether you prefer free spreadsheets or advanced apps, here are the top 5 money-tracking tools to get you started.
1. Google Sheets (Free)
Simple but powerful. Create your own budget template or use one of the free templates available online.
- Pros: 100% free, customizable, shareable.
- Best for: DIY budgeters who like flexibility.
2. Notion Templates (Free & Paid)
Notion lets you combine notes, tasks, and budgeting in one workspace. Many creators sell plug-and-play finance templates.
- Pros: Stylish, customizable, all-in-one productivity hub.
- Best for: People who want organization + finance tracking.
3. Mint (Free)
Mint automatically connects to your bank accounts, categorizes transactions, and shows spending trends.
- Pros: Easy setup, automatic syncing, goal-setting.
- Cons: Ads and limited customization.
- Best for: Beginners who want a “set it and forget it” tracker.
4. YNAB (You Need a Budget) (Paid)
YNAB is a premium budgeting tool that teaches you zero-based budgeting principles.
- Pros: Excellent support, proven method, debt payoff tools.
- Cons: $14.99/month, learning curve.
- Best for: People serious about taking control of their money.
5. Wave Accounting (Free)
Great for freelancers and side hustlers. Wave tracks income, expenses, and even invoices.
- Pros: Free invoicing + expense tracking.
- Best for: Small business owners.
Conclusion
Money tracking doesn’t have to be complicated. Start with a free tool like Google Sheets, then upgrade to YNAB or Notion when you’re ready for more features.
👉 Want a simple, ready-made tracker? Download our free savings tracker and start managing your money today.
