We study effective actions for order-parameter fluctuations at low temperat
ure in layered d-wave superconductors such as the cuprates. The order param
eter Lives on the bonds of a square lattice and has two amplitude and two p
hase modes associated with it. The low-frequency spectral weights for ampli
tude and relative phase fluctuations is determined and found to be subdomin
ant to quasiparticle contributions. The Goldstone phase mode and its coupli
ng to density fluctuations in;charged systems is treated in a gauge-invaria
nt manner. The Gaussian phase action is used to study both the c-axis Josep
hson plasmon and the more conventional in-plane plasmon in the cuprates. We
go beyond the Gaussian theory by deriving a coarse-grained quantum XY mode
l, which incorporates important cutoff effects overlooked in previous studi
es. A variational analysis of this effective model shows that in the cuprat
es, quantum effects of phase fluctuations are important in reducing the zer
o-temperature superfluid stiffness, but thermal effects are small for T<<T-
c.