Mint.com has upgraded its online personal financial planning service with a set of enhanced budgeting tools.

The upgrade includes 16 new graphs, more accurate and customizable expense categorization, and the ability to track and budget separately for business versus personal expenses. An expanded Ways to Save feature now helps users manage their retirement savings by quantifying the savings they can achieve by transferring balances from dormant 401(k) accounts to lower-cost IRAs.

Mint.com users will be able to see in real time how changes in monthly spending will contribute to their savings over the next month, quarter, or year. New features allow them to budget for infrequent expenses, such as taxes or insurance payments, or for one-time expenses like a vacation. They can choose to "rollover" monthly budgets, just like cell phone minutes, to carry any over- or under-budget spending into subsequent months.

Users can now see past budgets and past expenses in any category or with a specific merchant in new charts and graphs. Other new features let users track net income, net worth, total assets and total debts over time. They can select which accounts they wish to analyze in any category, allowing them to exclude business expenses from personal budgeting, and create graphs of spending in a specific set of household accounts.

The service now connects automatically to more than 8,000 financial institutions, including banks, credit card companies, brokerages and credit unions.

For more information, visit www.mint.com.


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