I just joined Training Peaks which has a virtual coach (another holiday request yay!). It isn't the cheapest out there (definitely not free) but it is very thorough and geared at cyclists and triathletes. It can work with the fancy HRMs (which I don't have) and power meters. It graphs/tracks everything, including all the stressors in your life etc. It even proposes workouts which it then emails to you, or you can input your own (and there are tons of options to customize).

It seems pretty cool. Probably overkill for someone just starting out but thought I'd throw it out there. I joined because I wanted to get pretty serious in my 2nd year of really getting fit. And I want to do several tris & long rides this year.

Before, I've used Cool Running. Pretty good, easy to use. Definitely a little running centric, but that's to be expected. I would recommend that as a simple tool.