fin-tech – financial technology , has come a long way , you can now use apps on your phone or web browser on your computer to manage your finances.

keep track of your credit card statements , bank balances , investment accounts , brokerage accounts , car and home loans and even get your net worth ( assets minus liabilities)

what’s more – you can set and see how your budget habits are working and where you are spending the money – all in neat graphs like pie-charts and bar-charts.

In India , one such tool is Perfios – there is a FREE version available

In USA , you have mint ( http://www.mint.com) and personal capital ( http://www.personalcapital.com) – both are FREE

for managing budgets , there is a software – YNAB ( http://www.ynab.com) – FREE for 34 days .

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