Personal Finance Tools
Different people need different kinds of support. Some need structure and accountability, others need automation and clarity, and many need both.
These are tools I often recommend and use with coaching clients. I am not affiliated with any of these tools and don’t receive any remuneration should you decide to subscribe to them.
I know these tools, have used them myself, and I’m confident that you will find value in their use.
EveryDollar – Hands‑on budgeting and debt payoff
EveryDollar is built around a simple idea: every dollar in your budget gets a job before the month begins. You create a monthly plan, then track your spending against that plan. The more hands‑on approach helps you slow down, pay attention to each purchase, and build healthier money habits over time. It’s a great fit if your main goals are getting out of debt, stopping overspending, and feeling in control of your day‑to‑day cash flow.
Copilot Money – Low‑effort tracking and clarity
Copilot Money is ideal if you’re busy, have multiple bank and credit card accounts, and know you won’t keep up with manual tracking. Once you connect your accounts, Copilot automatically pulls in transactions, categorizes your spending, and shows you clear patterns in where your money is going. It’s designed for people who want a clean, modern view of their finances without living in a spreadsheet. This works well if you want better visibility and organization with as little extra effort as possible.
Vertex42 Debt Snowball Calculator – A clear plan to get debt‑free
Access Debt Snowball Calculator
The Vertex42 Debt Snowball Calculator is a simple spreadsheet‑based tool that helps you build a step‑by‑step plan to pay off your debts. You enter each debt (balance, interest rate, and minimum payment), and the calculator shows you the order to pay them off and how long it will take. It’s designed around the “debt snowball” method, where you focus on one debt at a time, then roll that payment onto the next, building momentum as you go.
Many people feel overwhelmed because their debts are scattered across cards, loans, and lines of credit. This tool pulls everything into one place and turns that mess into a clear schedule: which debt to target first, how much to pay, and the projected payoff date. Seeing exact timelines and progress can make the journey feel more concrete and motivating, instead of vague and discouraging.
Empower – Big‑picture net worth and retirement view
Empower is a free “big‑picture” dashboard. It connects to your bank accounts, credit cards, loans, and investment/retirement accounts to show your net worth, cash flow, and overall investment mix in one place. It’s especially helpful if you’re starting to ask questions like “Are we on track for retirement?” or “How are all our accounts working together?” We’ll typically pair Empower with a budgeting app so you can manage the month‑to‑month plan and also see your long‑term progress.