Just when we thought we'd found all the online personal finance applications (see Online Banking Report #131/132), another one pops up, BudgetSnap <budgetsnap.com> from Walton, NY-based BudgetSnap LLC.

Feature-wise, it's a winner with support for not only budgeting, but also for tracking investments, credit accounts, bills and so on (see screenshot below). And right out of the gate it supports local currency and language across 14 countries and six languages (English, French, German, Spanish, Portuguese, and Japanese). There is also a mobile version in the works (see inset).

The company has filed for patent protection, but we haven't heard back on what portions of its service they are seeking to protect.

As with other standalone, personal finance apps (see previous NB articles), we have serious doubts as to whether BudgetSnap can attract a critical mass of users without financial institution connectivity. The company appears to recognize this limitation and is actively pursuing partner relationships as evidenced by this statement tacked on to the bottom of its price list:

Educational, co-brand and white-label discounts available for qualified institutions. Please call (917) 865-4896 for more details.

Pricing
The company is offering a 90-day free trial plus price incentives (prices good through year-end):

1 Month @ $9.95 $7.96 – Save 20%!
3 Months @ $24.95 $19.96 – save 33%
6 Months @ $47.95 $33.57 – save 44%
12 Months @ $89.95 $62.97 – save 47%
24 Months @ $149.95 $89.97 – save 62%

The company has an additional incentive for two-year subscriptions, The Money Book for the Young, Fabulous & Broke by Suze Orman. Finally, students/seniors qualify for an additional 15% discount.

Endnote: BudgetSnap's homepage can be instantly translated into six different languages using the country flag icons at the bottom (see screenshot below).