Abstract: Methods and systems for electronic financial management integrate many aspects of the typical banking system with exciting educational and social tools to engage users to participate in and learn about the value of fiscal management. A web application for a network site may be employed to allow users to establish accounts. Joint accounts may be established for teens or other users without the capacity or experience to independently manage money, providing custodians control over the joint account and opportunities to interactively engage the user via effective fiscal management tools. Aspects of the methods and systems for financial management may provide interactive opportunities for users to, for example, manage money, set goals, track finances, pay bills, shop savvy, solicit advice from friends and family, and obtain answers to financial questions. Web applications may provide users mobile and on line access to financial information, financial management tools, and vendor products and services.