A virtual money-manager, Mint tracks your income, spending and investments after you enter your financial data to the password-protected site. It will also alert you, if you choose, should your spending go over a preset budget or if your credit needs attention. The site was featured as one of the best in 2010, and its app takes its robust planning services and delivers a pocket-sized financial advisor. Thankfully the service is free, as is the app, so the download won't push your budget further over the edge.