Online financial management tools are kind of a mess these days, and that includes Intuit’s freebie tool, Mint.com, but after trying nearly all of them, I’d say it’s the least offensive. I actually prefer Mint.com’s iPhone app to its web interface, in part because it’s less cluttered with spam-vertising — just a simple realtime (or as real as Mint’s last scrape from your accounts) breakdown of your total cash and debt, a color-coded budget bar, your cash flow for the month, alerts based on budget thresholds and your total investments (ad-related “advice” is there, too, but much more easy to ignore). Tap on any of the above and you’ll get a nice drill-down of each area’s particulars. My only gripe, and it’s not Mint’s fault, is that financial accounts that employ rigorous challenge/authentication mechanics force Mint (and you, manually) to update your account credentials more or less daily. That’s probably a good thing for security, but an onerous one from a usability standpoint.