Best Personal Finance Software of 2014 (So Far), Ranked by

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The competition for the best online personal finance software - including applications for desktops, smartphones and tablets - is as great as ever in 2014. Personal finance authority ( today revealed its list of the very best the Internet has to offer through the midway point of the year.

Creditnet lists its favorite personal finance software of 2013

The competition for the best online personal finance software - including applications for desktops, smartphones and tablets - is as great as ever in 2013.

Personal finance software has hit new heights in 2014, be it on consumers' desktops, laptops, smartphones or tablets. Essentially, consumers have access to every account, all the time, and mobile apps and online finance sites are making it easier everyday to track everything from short-term savings to long-term goals.

June marks the halfway point of the year, which is why - an online authority on personal finance and credit-related topics - today took the time to reveal their picks for the best personal finance software of 2013 (so far).

According to Creditnet Vice President Jason Bushey, Creditnet took into account how user-friendly a product was, whether consumers could access it through their tablet or smartphone, whether the software was wide-ranging or niche-specific, and how easy it was to set up an account. Note that Creditnet considered personal finance software that focused most on American consumer needs.

"We really wanted to include all forms of personal finance software, rather than just one specific sector of the industry," said Bushey. "Obviously, that gave us a lot to consider."

With that, here is Creditnet's list of the best personal finance software available in 2014.

1.) Personal Capital

Personal Capital was Creditnet's favorite e-finance app for May, so it's no surprise that nothing has changed in such a short amount of time. Creditnet pointed to Personal Capital's simple set-up, clean and user-friendly interface, and wide-ranging finance management tools when selecting this personal finance software as the best of the best in 2014.

Personal Capital's online personal finance management system is free for users to sign up for, and provides users with the ability to track their personal portfolio, analyze 401k and mutual fund fees, track spending and saving budgets daily, and send money on the 'go' from a tablet or smartphone. Essentially, Personal Capital puts all of a consumers finances in one place, making organization and finance management easier than ever before. Personal Capital's iPhone app boasts a 4.5 star rating from over 1,300 reviewers. With all this available to users, it's not surprising that TIME Magazine rated this one of the 50 best website's of 2012.

Overall, Personal Capital has developed Creditnet's favorite personal finance software of 2014.


Perhaps the most popular personal finance software available today comes from Like Personal Capital, costs nothing to sign up for, and users can download their highly-rated apps on iTunes at no charge. makes it easy to get started with, and consumers can add savings accounts, checking accounts, credit cards, retirement funds - basically, any personal finance account a consumer would need to track on a daily basis.

This is another exceptionally clean, user-friendly interface, and with a 4.5 rating on iTunes from over 6,000 reviews it's clearly a fan favorite. Users can combine all their accounts to determine net worth, track monthly spending and budget their lifestyle all from their tablet, smartphone or computer.

A 2012 Webby and Appy award-winner according to iTunes, consumers can make sense of personal finance management with the help of

3.) Ready for Zero

Finally, while the above personal finance software services takes into account the entire money management picture, Ready for Zero hones in on the one category of finances that keeps Americans up at night most: debt.

That's not to say that each aspect of a consumer's finances aren't considered; it's just that Ready for Zero is most focused on helping users pay down existing debt. Ready for Zero is free to register with, and helps consumers to come up with a personalized plan for paying down debt all the way to zero. From credit cards to mortgages, student and personal loans, Ready for Zero gives users the opportunity to link up each account and make payments automatically.

The automated payment plan from their secured website is what sets this personal finance software apart from others in 2014. Users can take the guess work out of debt management and make paying down debt simple with automatic payments set up directly by Ready for Zero.

The Ready for Zero iPhone app is available on iTunes, and has a 4.5 rating from close to 90 reviewers at the time of publication.

About Creditnet:

Creditnet is an online authority personal finance and credit-related topics, and is host to one of the web's oldest discussion forums related to credit. Visit for DIY-credit repair and debt management advice, or enjoy a customized credit card search tailored specifically to a user's credit score, spending habits and rewards desires.

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