Managing your money well has never been easier, thanks to a range of genuinely excellent free tools and apps.
- Savings rate comparison
- Benefits and entitlements
Budgeting apps
Monzo and Starling offer built-in spending categorisation and savings pots. Emma and Plum aggregate data from multiple bank accounts. YNAB is the most comprehensive dedicated budgeting app, with a subscription fee after the trial but transformative for many users.
Savings rate comparison
MoneySavingExpert and Moneyfacts publish daily-updated best-buy tables. SimpleMoney.live publishes monthly savings rate updates and the Compare My Savings tool shows instantly how much your current rate is costing you.
Investment platforms
Vanguard Personal Investor charges just 0.15% platform fee. Freetrade offers a free tier. Trading 212 provides commission-free ISA and general investment accounts.
Benefits and entitlements
Turn2Us and EntitledTo both provide free benefits calculators. The gov.uk benefits calculator is also useful. These take around ten minutes and can identify support many people are unaware of.
Pension tools
The government's Pension Tracing Service helps locate lost pension pots. PensionBee consolidates multiple pots. Pension Wise (MoneyHelper) offers free guidance for over-50s.
Bottom line
The best financial tools are the ones you actually use. Start with what your bank provides, add a benefits calculator check, and consider a dedicated budgeting app if you want more structure.