Because each site has their financial tools available online, there's no downloading or software you have to deal with. You'll always be dealing with their most updated version.

If you upload your credit card information into Mint.com's system, it will calculate the amount of interest you're paying and notify you if could save money with another credit card.

This is also how Mint pays for its services. But Patzer said the system will give you the best rates results regardless of sponsorship.

Mint allows users to set their retirement goals and offers tools to help them reach it.

"It's sort of an automatic financial advisor," Patzer said.