Financial Planning Apps Softwares

Top Free Financial Planning Apps & Softwares

There are different financial planning apps available in the market which helps the professionals in making an informed decision with respect to management of the funds of the clients and other research and helps the investors in keeping track of their expenses and income, preparing budgets, etc where some of the apps include Mint app which is used for tracking the money automatically after the person enters some of the basic information, Level money app that suggests the level of money a person can spend during the specified time thereby helping in his financial planning, etc.


Financial planning apps are needed by professionals and individual investors alike. Professionals rely on such tools to make informed decisions regarding their clients’ fund management, financial research, etc., whereas individual investors use financial apps for creating budgets, keeping track of their income and expenses, collating their investment details in one place, making it paperless and hassle-free, connecting all their accounts together be it personal, retirement or mortgage and loans with the aim of arriving at a holistic picture of their net worth.

There are certain basic financial planning apps and tools that can be used for attaining simple objectives like keeping track of your expenses and savings, to certain other complex ones that provide detailed financial data and financial statementsFinancial StatementsFinancial statements are written reports prepared by a company's management to present the company's financial affairs over a given period (quarter, six monthly or yearly). These statements, which include the Balance Sheet, Income Statement, Cash Flows, and Shareholders Equity Statement, must be prepared in accordance with prescribed and standardized accounting standards to ensure uniformity in reporting at all more along with expert analysis pertaining to individual companies, like Profit & Loss statements, dividend history, financial ratios and information about various markets, FinanceFinance, business, indices, and financial news, financial forecastingFinancial ForecastingFinancial Forecasting is the process of predicting or estimating future stats of an organization i.e. how business will perform in the future based on historical data like by analyzing the income statement, position statement, current conditions, past trends of the financial, future internal and external environment which is usually undertaken with the objective of preparing and developing budget and allocating available resources to ensure best possible more in excel. They also provide expert analysis, updates on the upcoming IPOs, how IPOs fare on the indices, and their current valuations.

Top Free Financial Planning Apps & Softwares

Here is the list of Best Free Financial Planning Apps & Softwares

Top 4 Free Financial Planning Apps

People are so busy with their lives that it becomes difficult for them to focus their energies upon the most important aspect of earnings, Savings. Investment Banking professionalsInvestment Banking ProfessionalsInvestment banking is a specialized banking stream that facilitates the business entities, government and other organizations in generating capital through debts and equity, reorganization, mergers and acquisition, more, especially wealth managers, are in the business of handling money, but in case you are looking for some first-hand experience and want to personally look after your own finances, there are various mobile applications readily available in cyberspace which can be downloaded free of cost. Such mobile apps provide quick and smart solutions to collect all your financial information in one place, making it less tedious and almost paperless.

A number of free mobile apps are available in the market. Some of them are as under.

Financial Planning Apps Software

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#1 – Mint (Money Management App)

Mint is one of the most known mobile financial planning apps that helps you track your money automatically. All you need to do is enter basic information, and Mint takes care of the rest of it by providing you vital information from time to time.

Financial Planning Apps - mint

#2 – Pear Budget (Expense Tracking App)

Pear Budget is another web-based financial planning app that is based on a spreadsheet format wherein information has to be manually entered. It has certain basic expense categories, which perhaps can be altered later on. It isn’t as automated as its peers but serves the purpose, especially for the first-timers.

Pear Budget - Financial Planning Apps

#3 – Level money (Financial Planning App)

Level money, as the name suggests, levels the amount of money you can spend in a month, week, or day. This financial planningFinancial PlanningFinancial planning is a structured approach to understanding your current and future financial goals and then taking the necessary measures to accomplish them. Because this does not begin and end in a specific time frame, it is referred to as an ongoing more app automatically picks data from your smartphone and keeps sending reminders about the amount left to spend, thus leveling the savings and expenses rate. It also gives you a glimpse of your spending habits basis the information received by it.

Level Money - Financial Planning Apps

#4 – GnuCash (Financial Planning App)

GnuCash, a financial planning app, is a Linux based system that thrives on double-entry bookkeeping. It is a serious accounting tool but can be used for business as well as home. It helps you track your expenses and saving along with bank and investment accounts.

Many bank websites also provide mobile applications wherein you can enter your data pertaining to your accounts, loans, investments, insurance, et al. They help you keep track of your income and expenses and also provide information about their new products from time to time.

Financial Tools gnu cash

Top Wealth Management App

Many portfolio management websites offer such financial planning apps free of cost, where you can create an account and enter your investment details. The tools not only update the respective values of any shares, mutual fundsMutual FundsA mutual fund is an investment fund that investors professionally manage by pooling money from multiple investors to initiate investment in securities individually held to provide greater diversification, long term gains and lower level of more, or fixed-income securities but also analyze your investment portfolio, along with giving suitable recommendations on its asset allocation, your net worth, and how is your investment portfolio performing as compared to the market indices.

Websites like Morning Star, Personal Capital, JP Morgan, Principal Global, and a host of other mutual fund websites provide detailed financial data free of any charge on the current market and economic trends, bonds market. Exchange-Traded Funds(ETFs)Exchange-Traded Funds(ETFs)An exchange-traded fund (ETF) is a security that contains many types of securities such as bonds, stocks, commodities, and so on, and that trades on the exchange like a stock, with the price fluctuating many times throughout the day when the exchange-traded fund is bought and sold on the more, stocks, Closed Ended Funds(CEFs), and Personal Finance. You can also calculate your cash flowCash FlowCash Flow is the amount of cash or cash equivalent generated & consumed by a Company over a given period. It proves to be a prerequisite for analyzing the business’s strength, profitability, & scope for betterment. read more and net worth i.e., assets minus the liabilitiesLiabilitiesLiability is a financial obligation as a result of any past event which is a legal binding. Settling of a liability requires an outflow of an economic resource mostly money, and these are shown in the balance of the more by entering your personal and saving account details, cash and investments, bonds and stocks, as well as your debts and liabilities i.e., mortgage, loans, credit cards, etc.

#1 – Morning Star

There are also free versions available for them. For instance, if you wish to subscribe to a basic version (14-day free trial) of Morningstar, go to this MorningStar and hit the Register button.

Morning Star - Free Finance Tool

Mutual funds charge fees for managing your funds; such fees is known as expense ratioExpense RatioMutual Fund Expense Ratio is the percentage amount charged by the fund manager in exchange of the services provided. The charges include management expense, advisory fees, travel cost, consultancy charges, however, brokerage cost for trading in more, which can adversely affect your retirement corpus. Many websites also provide the fee analyzer tool, which helps to analyze the hidden fee and how adversely it costs you. Their concept is simple, “Don’t let high fees erode your savings.”

#2 – Personal Capital

Investment check-up or taking a second opinion on your portfolio is a good practice. This financial planning app helps you determine what your current standing vis-a-vis the goal you want to achieve is. The investment Check-up tool lets you put your investment under a microscope and analyze it in detail. It helps you determine your current assetCurrent AssetCurrent assets refer to those short-term assets which can be efficiently utilized for business operations, sold for immediate cash or liquidated within a year. It comprises inventory, cash, cash equivalents, marketable securities, accounts receivable, more allocation and the probable one.

Along with it, Net Worth calculators are also available free of cost which help you determine your net worth which means what you have minus what you owe wherein you can link all your accounts investment, retirement as well as bank accounts to get a holistic picture of the total net worth of an individual. You can use Personal Capital for the same.
Personal Capital - Free Finance Tools

Financial Planning News and Research App

Many news agencies, the likes of Bloomberg, Wall Street Journal, and the FT, provide a lot of information about the various investment options available in the market. Information about stocks listed on Dow Jones, FTSE100, S&P500, along with futures, options, currencies, and commodities, is available on their website. You can find a lot of information on the companies you are planning to invest in. Annual reportsAnnual ReportsAn annual report is a document that a corporation publishes for its internal and external stakeholders to describe the company's performance, financial information, and disclosures related to its operations. Over time, these reports have become legal and regulatory more, Profit & Loss statements, and a host of other financial information are available for eager investors.

#1 – Bloomberg provides a lot of financial informationFinancial InformationFinancial Information refers to the summarized data of monetary transactions that is helpful to investors in understanding company’s profitability, their assets, and growth prospects. Financial Data about individuals like past Months Bank Statement, Tax return receipts helps banks to understand customer’s credit quality, repayment capacity more on its Market page regarding stocks, currencies, commodities, Rates + Bonds, Benchmark, Economic calendar. You can also find financial data pertaining to the various companies, indices, et al., which is very useful in creating financial models.

Bloomberg Market - Free Finance Tools

News Agencies also provide the latest financial and economic news and their analysis over the same. Investment bankers consider news agencies like Bloomberg, Wall Street Journal as their Holy Grail and rely on the information provided by them. Financial data is readily available on the websites which are used by professionals across investment banks to analyze and do financial modelingFinancial ModelingFinancial modeling refers to the use of excel-based models to reflect a company's projected financial performance. Such models represent the financial situation by taking into account risks and future assumptions, which are critical for making significant decisions in the future, such as raising capital or valuing a business, and interpreting their more. However, access to advanced data is available only for the paid version of Bloomberg.

#2 – Reuters

Reuters is a part of Reuters Group, PLC, which provides financial data. Reuters is an international news agency that provides financial equity reports and data. It is a collaboration of thousands of journalists whose information is collated onto the Reuters website. The news is available on various topics ranging from Finance, Economics, Politics, Business, technology, et al. along with loads of valuable information on stocks, Indices, derivatives, world markets, and crucial financial statements of various companies.

Reuters - Free Finance Tools

On the market page of, you can find a lot of data pertaining to U.S Markets, European Markets, Asian Markets, Currencies, Stocks, OptionsOptionsOptions are financial contracts which allow the buyer a right, but not an obligation to execute the contract. The right is to buy or sell an asset on a specific date at a specific price which is predetermined at the contract more, Futures, Indices, Bonds along with Earnings per ShareEarnings Per ShareEarnings Per Share (EPS) is a key financial metric that investors use to assess a company's performance and profitability before investing. It is calculated by dividing total earnings or total net income by the total number of outstanding shares. The higher the earnings per share (EPS), the more profitable the company more and Dividends of globally renowned companies.

Dividend Tracker App

Dividend Tracker, as the name suggests, collates all the dividend data pertaining to a particular stock. Such trackers are in the form of mobile applications where you can create multiple entries of different stocks. You can enter the company’s detail and view its complete dividend payment history, a short summary, and detailed data, particularly financial ratios such as Earnings per share or EPS, P/E RatioP/E RatioThe price to earnings (PE) ratio measures the relative value of the corporate stocks, i.e., whether it is undervalued or overvalued. It is calculated as the proportion of the current price per share to the earnings per share. read more, PBV RatioPBV RatioPrice to Book Value Ratio or P/B Ratio helps to identify stock opportunities in Financial companies, especially banks, and is used with other valuation tools like PE Ratio, PCF, EV/EBITDA. Price to Book Value Ratio = Price Per Share / Book Value Per Share read more, the current price of the stock, the 52-week range, the dividend declared, yield and payout ratios.

Financial Tools dividend trackers

Dividend Trackers also display the complete dividend history for a span of 3months, 6months, a year to 5 years. The same can also be seen in the form of a chart for better understanding and analysis by the user. A dividend tracker is not only useful for professionals who can benefit from the immense amount of detailed information available but also for individuals who seek to maintain a record of their dividend history.

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This has been a list of Top Free Financial Planning Apps and Softwares. Here we also list apps for wealth management, financial planning news, and research as well as a top app for tracking dividends. You may also have a look at these articles below to learn more about Finance –

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