Credit Score Consultant

Managing your credit and personal finances can be an exhausting task to take on all alone. Regardless of whether you’re in debt or in the clear—or whether you’re a financial whiz kid or not at all financially minded—online tools can help you successfully manage your credit.

1. Mint: Manage your credit and finances with this free online tool that syncs bank accounts, credit cards, loans and investments. Mint reports on where your money is going and allows you to set budgets for yourself.

2. ClearCheckbook: This money management tool allows you to balance your checkbook online, view spending reports, automate recurring payments and set budgets. You can update your account online or on your cell phone.

3. SmartyPig: Set your own savings goals and deadlines, and SmartyPig will automatically withdraw payments from your checking account each month. You can also give friends and family access to your goals so they can help you reach them.

4. CalcEnstein: This “ultimate” online calculator determines interest, savings, exchange rates and business finances, among many other tasks. But the calculator is good for more than just your finances: Determine your body mass index, how much fertilizer your lawn needs or your blood alcohol content.