What’s the best personal financial tool/app/site/advisor you use?

Mint’s moving my data to borrowing karma and I’m not too happy. But not too happy with other existing offerings I’ve come across (Monarch et al). Wanted to check what the pros here have to recommend – my user needs:
1/ tracking and categorizing costs
2/ identifying opportunities to save or earn more (and not through just dumb borrowing card ads which don’t make sense for my usage)
3/ budgeting and tracking net worth (including my 401Ks and diff forms of funding revenue)

Willing to pay per advice or subscription (free would be nice too ;))

Any advice?
FICO score >800 (if it helps)

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