A host of mobile apps push consumers to spend less and save more. Some siphon off extra money into a savings account. Others shock the user with alerts about profligate spending. Most keep users informed about their current balances versus their goals.

Most of these apps also share a limitation, though. They don't help customers see the bigger picture of their entire financial lives, nor weigh the relative merits of their different short- and long-term goals against one another.

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