For many, budgeting feels like a chore—a tedious process of collecting receipts, updating spreadsheets, and manually categorizing every expense. However, modern online banking platforms have transformed this task from a manual burden into a seamless, data-driven experience. By leveraging the built-in tools of your bank or credit union’s online portal and mobile app, you can gain a clear, real-time understanding of your financial life and take control of your money with minimal effort.

Here’s a guide on how to manage your personal finances and budget using the powerful features already available through your online banking account.

1. Centralize Your Financial Picture with a Single Dashboard

The first step to effective budgeting is having a holistic view of your money. Many online banking platforms now offer a personal finance hub that goes beyond just showing your checking account balance.

• Aggregated Accounts: The best platforms allow you to link accounts from other