best free web app or tools to track one's cash flow
The answer to this question can be found in the related question  Is there any online personal finance software without online banking?
Best Linux software is PostBooks. It is full double entry, but there is definitely a learning curve.  For platform-agnostic, my favorite is Xero, which is web-based. It is full double entry balance sheet, the bank reconciliation is a pleasure to use, and they are coming out with a US version this summer. Easy to use and does everything I need. Use software that calculates your net worth and track it over time. I track my personal finances in Mint, and I love checking my net worth every week. It's turned into a kind of competition with myself...  It's like keeping track of how fast you run a 5k, or how many pounds of weight you've lost. It helps you determine if you are making progress, and if you, it's positive reinforcement that you are doing the right things. I'm not directly affiliated with the company (I work for one of the add-on partners) but I can wholeheartedly recommend Xero for both personal and business finances. Their basis is to make accounting simple and clean, without sacrificing any of the power behind having the figures there in the first place. Google Portfolio does the job: https://www.google.com/finance/portfolio You can add transaction data, view fundamentals and much more. This is what I used during my MBA.  My biggest complaint is that it is not a database for analytic (it pulls from a database).  I hear think or swim has the capability to extract data and offers a free version - anyone know if that is true? www.earnings.com is helpful thinkorswim's thinkDesktop platform has a lot of earnings information tied with flags on their charts they are free. Mint.com does a pretty good job at this, for a free service, but it's mostly for personal finance. It looks at all of your transactions and tries to categorize them, and also allows you to create your own categories and filters. For example, when I started using it, it imported the last three months of my transactions and detected all of my 'coffee house' transactions. This is how I learned that I was spending about $90 a month going to Starbucks, rather than the $30 I had estimated.  I know it's not a 'system' like an accounting outfit might use, but most accounting offices I've worked with have had their own home-brewed system. I've seen this tool.  I'm just having a hard time finding where I can just get a list of all the companies.    For example, you can get up to 100 results at a time, if I just search latest filings for 10-K.  This isn't really an efficient way to go about what I want. "I've tried Mint, and I've tried Quicken. Now, I think Quicken is an annoying, crashy little piece of software, but it is also quite capable; overall I think it has the features you want. You can enter your bills, broken down by category, in advance. You can enter your paychecks, broken down by category (gross income, federal income tax, state income tax, social security, SDI, transfers to tax-protected 401(k) account, etc) in advance. You can enter in your stock trades and it can tell you how much you'll need to end up paying in capital gains taxes. You can even enter in your stock option vesting schedule in advance (it's a royal pain because you can't go back and change anything without deleting everything, but you can do it). It'll forecast your bank account balance in all of your bank accounts in advance with a shiny chart. It'll even model your loans, if you set it up right. I didn't do too much with the ""budgeting"" tools per se, but the account-balances-daily features sound like the closest thing to what you're looking for that's likely to exist. The only thing that's a trifle tricky is that transfers from one account to another may take multiple days (hello, ACH) and you'll have to decide whether to record them at departure or arrival." The best thing for you to do will be to start using the Cash Flow report instead of the Income and Expense report. Go to Reports -> Income and Expense -> Cash Flow Once the report is open, open the edit window and open the Accounts tab.  There, choose your various cash accounts (checking, saving, etc.).  In the General tab, choose the reporting period.  (And then save the report settings so you don't need to go hunting for your cash accounts each time.) GnuCash will display for you all the inflows and outflows of money, which appears to be what you really want. Though GnuCash doesn't present the Cash Flow in a way that matches United States accounting rules (with sections for operating, investing, and financial cash flows separated), it is certainly fine for your personal use. If you want the total payment to show up as one line on the Cash Flow report, you will need to book the accrual of interest and the payment to the mortgage bank as two separate entries. Normal entry for mortgage payments (which shows up as a line for mortgage and a line for interest on your Cash Flow): Pair of entries to make full mortgage payment show up as one line on Cash Flow: Entry #1:  Interest accrual Entry #2:  Full mortgage payment (Tested in GnuCash 2.6.1) I like to put money I am going to spend in my Quicken register (similar to Money in my limited experience) and that is the big ticket feature missing from mint.com.  Mint.com can only tell you what you did, or in a very general sense what you plan to do. As a register, mint.com is flexible enough for me to categorize my transactions.  As a planning / budgeting tool mint.com is very simple and fast to get going, but lacks the depth of a budget I want to manage every week.  Mint.com also tracks my investments, but I freely admit my investment management is nothing more than putting money into the same accounts.  I bother with investment tracking other than looking to see it isn't zero. I say try mint.com.  Mint.com has a place to totally delete your account. "I found your post while searching for this same exact problem. Found the answer on a different forum about a different topic, but what you want is a Cash Flow report.  Go to Reports>Income & Expenses>Cash Flow - then in Options, select the asset accounts you'd like to run the report for (""Calle's Checking"" or whatever) and the time period. It will show you a list of all the accounts (expense and others) with transactions effecting that asset. You can probably refine this further to show only expenses, but I found it useful to have all of it listed.  Not the prettiest report, but it'll get your there." MoneyDance Is the way to go.  I've been using it for years and it works well.  It keeps getting better, and best of all, it's completely cross platform!  Mac, Windows and linux! SavingsMap is a web-based personal finance forecasting tool that requires no bank account or personal information other than an email address. As founder of SavingsMap, our goal is to forecast future cash flows based on your current budget, while using strategies to minimize US tax obligations and taking into account expected major life events. I would investigate mint.com further.  Plenty of people have written off using them because Intuit purchased them, but that seems like cutting of your nose to spite your face. I think mint.com is worth it for its Trends functionality alone, not to mention its automatic categorization of your purchases, reminders when bills are due, notifications of increased credit card interest rates, and overdraft notices. I don't think mint.com schedules bills & deposits, but it tracks stocks & mutual fund investments and compares your portfolio returns against Dow Jones, S&P 500, or NASDAQ if you wish.  I'm not sure I see the advantage of manual transaction entry, but you can add cash or check transactions manually.  As I mentioned earlier, automated categorization is a great feature.  In addition, you can tag certain transactions as reimbursable or tax-related. If the primary feature you're interested in is stock quotes, maybe something like Yahoo Finance or Google Finance will be enough.