Whether you have a lot or a little, everyone needs to manage their money. Like so many areas of life, you can do things entirely by hand, or you can turn to software to make your life easier. There's a wealth — if you'll pardon the pun — of personal finance tools out there, but many of them involve having to put your hand into your pocket, dig deep and part with some hard-earned cash. You could, of course, pay an accountant to take care of your money for you, but this involves and outlay that you might well prefer to avoid. Take a look through the selection of free tools we've collected together, and you should find something that suits your personal finance needs, making it easier to keep track of your money.