Awesome Personal Finance Tool

I have been using an online personal finance software program for about 5 years now and love it. The tool is called Mvelopes and was started by a company in Draper, UT (Finicity). The CEO is Steven Smith last time I checked. The biggest reason I have continued to use Mvelopes is because I am lazy. I don't ever want to manually enter in receipts. I don't want to keep a log book of checks I write either. Mvelopes takes away 99% of the effort required to keep track of your family spending because the software crawls your online banks, credit cards, mortgages, 401Ks, auto loans, student loans, etc.. and digests the transactions from them presenting all of them in a consolidated simple interface. I don't have to do anything but setup my accounts in Mvelopes and login once or twice a month to reconcile spending to my budget goals (or the buckets I have setup for types of spending.)

If you are looking for a tool that can help you plan and coordinate your spending, reconcile purchases so you can always pay off your card balances and always have money for the charges and checks you and your spouse make, Mvelopes is it. You can use if from any computer, Linux, Windows or Mac (you just need a browser with Adobe flash extension.) I would recommend getting coaching sessions as well to help you get the most from the tool. Mvelopes does provide free online chat support as well.

If you use the software consistently, then it will pay for itself 10 times over time.

I think another similar web-based tool exists called Mint but I have never tried that one to know how it compares.