If software and worksheets seem like too much right now, try this simple budget calculator, which uses the same 50/30/20 budgeting method to give you an idea of how to spend and save your money.

Why we recommend it: . Quicken is a time-tested personal finance management software that lets you track both personal and business finances.. You can budget, track, and get reports on your ...

Virtually all budgeting software comes with preset categories like rent/mortgage, utilities, and food. But beyond common expenses like these, most people’s spending is unique to their situation.

Any sort of spreadsheet software will work for a personal budget. There are also all sorts of apps you can download to make the process easier. The math isn’t complicated, ...

Budgeting is one of the best ways to get a handle on your finances and a budgeting app can help make it easier. But it's ultimately up to you to make the appropriate changes to improve your finances.

You can create your own budget spreadsheet or use an existing template, which gives you more flexibility to meet your personal needs. After a free 30-day trial, Tiller is $79 a year.