Talk about meta: Zoho Creator is a Web 2.0 application for creating Web 2.0 applications. Sound intimidating? It’s not. There’s no coding; everything is done through menus and buttons. And there are a number of premade apps—including an expense tracker, a dating-profile form and an app to sort your albums—that you can use as templates and then customize to fit your needs. You can share your final app with the world or keep it private. Check out the Expense Tracker I began futzing with here. —Mike Haney