Top 20 Free and Paid Personal Finance Software: The Best of Personal Finance Software

Personal Finance Software are money management software that organizes your day to day financial life in an easy to view with automatic updates of the transactions. These are either web based or stand alone and provides a personal finance or money management dashboard for your money, tracking your transactions and giving you early warning when problems arise.

Most of these track and display your budget, spending, banking, bills, savings, investments, retirement plans and debt levels. General features include Budgeting, Banking, Planning, Investing and Reports.

Personal Finance Software is a system that has been designed to integrate all individual finance data. The main functionality of a personal finance software is to be accountable for how much money a person has, track the expenses, provide insight into your usage and generate reports that will help analyze assets. In a simpler term, personal finance software educates the user about his personal money matters.

One of the main function of personal finance software is synchronizing the user's credit card, banks, assets, investments with the program to produce a financial record. Personal Finance software has two categories; management of finance and a tax module. The finance management module allows the individual to account for records such as income and expenses, investments, financial planning and other financial analysis.

The module for tax the program provides a tax form preparation, allows financial data to be transferred to other software and provide tools that help the user to return e-filings. Some of the Personal Finance software has an alert notification that notifies the user once the target is surpassed.

What are the Top Personal Finance Software: Banktivity, Moneyspire, CountAbout, Moneydance, BankTree, Buxfer, Money, Quicken, Mvelopes, YNAB, Qapital are some of the Top Personal Finance Software.

You may like to read: How to Choose the Best Personal Finance Software for You?

What are the Top Free Personal Finance Software: Microsoft Money, KMyMoney, HomeBank, Mint, ClearCheckbook, Alzex Personal Finance, AceMoney Lite, Doxo are some of the Top Personal Finance Software Free.

Personal Finance software is easy to get and are available in mobile apps, as online programs or installation program in personal computers. Personal finance software is designed to make it simpler to manage finances and should be customizable to meet the user's needs.

A good software should be user-friendly and provides several benefits: No late payment by helping schedule reminders for paychecks, provide an easy budget plan other than using a spreadsheet or white paper. It provides spending category that corresponds to the user daily life. The personal financial software allows quick comparison of your expenditure. The software provides an entire financial picture of an individual including credit score, payment history and avoiding financial mistakes that arises.

The personal finance software shows how much time is needed to achieve personal goals. Finally, personal finance software are compatible with both computers and mobile devices thus empowering the user to make smart spending choice at any given time, anywhere. Personal finance software has gradually replaced the manual checkbooks balance and account drafts. The software updates provide an array of exciting features that make everyday life easier and help achieve personal financial goals.

What are the features of Personal Finance Software?

Choosing the right personal finance software can be a tedious task due to the different features and benefits. A personal finance software has the following features: online banking services that allow automatic download of the transaction and sending payment, provides a graph and report, has account register to show transaction, a scheduled reminder to help with recurring payments, has report groups.

The software must also provide details of spending and a balance forecast to prevent bankruptcy. The personal Finance software must also provide you statement on your income and spending. The software allows check printing and it has a mobile app to allow easy access. All action performed in the personal finance software are emailed to the user notifications. The personal finance software provides an accountable platform that can be easily be customized by the user to fit the needs.

You may like to read: How to Choose the Best Personal Finance Software for You?

Top Personal Finance Software

PAT Index™

SORT

         

 

CountAbout

Compare

9.0

7.9

84

 

Moneyspire

Compare

9.0

7.0

80

 

Moneydance

Compare

8.0

8.1

77

 

BankTree

Compare

8.6

8.5

74

 

Buxfer

Compare

8.0

8.3

66

 

Money

Compare

7.7

8.7

60

 

Quicken

Compare

8.6

8.3

52

 

Mvelopes

Compare

8.2

8.4

48

 

YNAB

Compare

8.0

8.4

46

 

Qapital

Compare

7.7

8.5

45

 

Banktivity

Compare

9.5

7.3

Banktivity enable users to analyze, synchronize, and integrate bank accounts. Banktivity eases the process of combining checks, savings, credit cards, investment and other accounts. Banktitvity enables users to categorize transactions regardless of whether they input the transactions manually or use the built-in bank connectivity options. This enables users to identify various spending habitats across accounts, even though the user and a partner have separate credit cards. Budgets in Banktivity enables users to enumerate spending targets in any category (e.g. Groceries) and their bills are automatically used to build up a budget. Developing a budget in this manner ensures users spend…

Banktivity

Moneyspire is user-friendly and dominant personal finance software that coalesce your entire financial life in one place. Some of its features include mobile app, online banking, balance forecast, reconcile statement, reports and charts, import and export data, multiple currency support, customer invoicing, check printing, and investment account support. With Moneyspire, you can manage your bank accounts, credit cards, loans, investments, etc; balance your checkbook and take charge of your transaction details; estimate your future balances and net worth, and know your status; and set bill notifications and ascertain all your upcoming payments so you never forget to foot a bill…

Moneyspire

CountAbout is a functional and easy to use personal finance software that imports data from Quicken and Mint and then automatically syncs data from banking, credit card or retirement accounts. CountAbout is cloud-based, mobile application that offers running register balances, standard and custom categorization, and a clutter-free interface with no advertisements. With CountAbout, you are assured of never loosing track of your finances. Setting up a budget in CountAbout is very easy. You can customize categorize and tags to suit your specific budgeting needs. With CountAbout you can also schedule recurring payments, track your remaining budget and copy your budget…

CountAbout

Moneydance is user-friendly personal finance software that is embedded with essential features such as online banking and bill payment, account management, and budgeting and investment tracking. With Moneydance, users can manage multiple currencies and practically operate any financial task with ease. Moneydance’s online banking feature helps users to automatically download transactions and send payments online from several financial institutions. Moneydance is capable of automatically sorting, organizing and cleaning up downloaded transactions. It enables users to see the summary and outline of their finances. Moneydance shows information such as account balances, upcoming and overdue transactions and reminders, and exchange rate information.…

Moneydance

BankTree is a personal finance software with basic budgeting and reporting features. It helps you to manage all your accounts in one application. You can get BankTree on your desktop PC, Android phone and tablet, or Apple phone and iPad. BankTree allows you to connect to your bank directly. It also allows you to connect to banks and credit unions, or you can upload files from your financial institution with your current balance and recent transactions. BankTree has solid financial-management tools, but in case you want to connect to your accounts directly rather than download and import your transactions. BankTree…

BankTree

Buxfer is a free finance web app for managing your own expenses, including a group’s expenses. It provides all the connectivity options you need for a home finance software. With Buxfer, you will be able to generate reports on who owes what. It also has an IOU view. To get access to unlimited accounts, make unlimited budgets, and create all the bill reminders your checking account can hold, you will need to pay for the Plus or Pro accounts. One of the most important features for Buxfer is budgeting. You can set a spending limit weekly, monthly, or yearly and…

Buxfer

Money is a user-friendly, beautifully designed accounting application which enables users to be in control of their finances. It is available on Mac OS and iOS devices. Money brings all the expert features in a beautiful and easy to use package. Its features include direct downloads, data import, automated payees, tax, investment, account reconciliation, icloud, multitasking, and security. Money allows users to track their daily and long-term investments anywhere, anytime. With Money, users can oversee a large number of accounts and manage finaces with multiple currencies. Money befriends all your devices and makes it easy to keep track of your…

Money

Quicken is financial platform which helps users in streamlining budgeting and planning. It is being used by several business owners and institutions. Its features include free phone support, show bank/credit card balances, projects income and expenses, text/email notification, portfolio X-ray, tracks cost basis and capital gains, and shows performance against the market. Quicken provides users with updated quotes to keep their portfolio value current and to keep track on how their investments are performing against the market, as well as to monitor cost basis, identify realized and unrealized yields, and compute capital gain to make tax time easier. Quicken helps…

Quicken

Mvelopes is an online personal finance management site that uses the envelope system (where money is set aside for expenses, in actual envelopes) of allocated spending to help you budget your money. In this way, it’s easy for you to understand. Mvelopes simply applies innovative financial software technology to the traditional method of budgeting using envelopes. So, it’s the modern equivalent of the old-school envelopes system. It also supports roll-over monthly budgeting. Mvelopes will enable you to create virtual envelopes and ‘’fill them” with money so you can access and view remaining amounts throughout the month, which will prevent overspending.…

Mvelopes

YNAB is versatile financial software which gives users control over their finances, and helps integrate user’s bank accounts. Some of its features are bank syncing, on the go, personal support, debt paydown, reporting bliss, and goal tracking. YNAB enables users to effortlessly connect and integrate all their bank accounts. It helps to streamline budgeting and forecasting, as well as keeps quotes up-to-date. YNAB makes it easy for users to share finances with partner(s), and retrieve synchronized information from any device – anytime, anywhere. YNAB is loaded with various tools and features which aims at helping users get out, and stay…

YNAB

Qapital is a personal finance mobile application for Android and iOS, developed by Qapital, Inc. The app creates a new way to bank. Users get to save for the things they want, just by doing the things they do. Qapital makes saving effortless, motivating, and even a little fun. All Qapital accounts are FDIC-Insured. Qapital also offers an interest bearing checking account, the Qapital account, and the Qapital Visa Card – a debit card designed to help track day-to-day spending. Users can save for their goals whenever they swipe, see their weekly spending and savings in one place, and easily…

Qapital

Top Personal Finance Software Free

PAT Index™

SORT

         

 

Mint

Compare

9.5

8.9

95

 

Microsoft Money

Compare

8.3

6.8

93

 

KMyMoney

Compare

9.4

7.3

83

 

HomeBank

Compare

7.6

8.6

81

 

ClearCheckbook

Compare

7.6

8.2

56

 

Alzex Personal Finance

Compare

7.6

9.1

56

 

AceMoney Lite

Compare

7.6

7.8

52

 

Doxo

Compare

7.5

8.2

45

Microsoft Money is beautifully designed personal finance management software which enables users to take control of their finances. It allows users to view bank account balances, create budgets, and track expenses, among other things. Microsoft Money is available on computers and on mobile phones. Its features include online bill payment, online investment quotes, automatic statement downloads, import data files, currency converter, and mortgage calculator. It was designed for computers using the Microsoft Windows operating system, and versions for Windows Mobile are also available (available for Money 2000-2006 on select versions of Windows Mobile, up to, but not including, Windows Mobile…

Microsoft Money

KMyMoney boasts as being one of the best personal finance manager for free users. It’s a personal finance manager. It enables users of open source operating systems and applications to keep careful track of their personal finances by providing a broad array of financial features and tools. It’s accurate, this is assured because it uses time tested double entry accounting principles that help ensure that your finances are kept in correct order. KMyMoney is easy to use in that it strives to be the easiest open source personal finance manager to use, this is more so for the non-technical user.…

KMyMoney

HomeBank is a free personal finance software to help you manage your personal accounting. It boasts of more than 19 years of user experience and feedback. In addition, it’s been translated by its users in approximately 56 languages. It’s simple to use, and is able to analyze your personal finance and budget in a detailed way. It analyses your personal finance using some powerful filtering tools with beautiful charts. With HomeBank you can manage your personal accounting, budget, finance, at no charge at all since its completely free. You can access HomeBank on most common devices and operating systems like…

HomeBank

Mint is a top choice among free money-management and budgeting software. Mint is a simple personal financial program that’s web-based. It has a simple clean interface that’s easy to use. It displays all your activities by category and gives you updated information on your synced bank and credit card accounts. It will work well for you when it can see your entire financial picture, this includes entering all your accounts like savings, credit cards, assets like cars and real estate. Once you enter all this data, Mint will accurately suggest budgets, goals and display your net worth. After you configure…

Mint

ClearCheckbook started by Brandon O’Brien makes managing of finances easy by enabling the client to access data from any device with internet connectivity; it can be accessed from multiple locations with different devices. A cloud cantered approach is used by ClearCheckbook which makes it easy for transactions to be logged; those with a joint account will particularly find it worth it as they are able to check on the partners transactions. It helps in balancing of clients check books, managing budgets; track spending among many more features, the client enters receipts into the site and assigns each transaction to an…

ClearCheckbook

Alzex Personal Finance is a free accounting software that uses grouping expenses and income into categories. Through this, users can see where money is going and how much is spent at a single glance, without the need to examine the reports. Alzex Personal Finance offers simplicity in its category and enables users to see at once from the summary view the way their money is spent, the total sum and percent structure for categories. Alzex Personal Finance meets the needs of users. It includes making more realistic budgets, getting out of debt, or teaching others how to use financial software.…

Alzex Personal Finance

MechCAD is high quality personal finance software, serving domestic and international customers, the headquarters are located in Florida and Russia. MechCAD is an innovative software whose goal is to exceed the expectation of the client by offering a software that is easy to use with outstanding customer service, increased flexibility and value for money , the associates working with MechCAD have excellent hands on expertise, functional and technical expertise all this factors combined lead to the client receiving effective service.The software is involved in each and every stage of the development of the product , from the interview stage to…

AceMoney Lite

Doxo is a service that allows you to organize and manage all your accounts in one place. It’s a secure way to pay your bills with just one login. On Doxo, each company has a profile page with important contact information. Your company will show up on doxo if at least one customer has added you to the doxo provider network, and is also using doxo to connect with your company and make payments. Doxo helps you schedule your payments, monitor status and track your bill payment history. Doxo also allows you to add all your bills and accounts to…

Doxo

You may like to read: How to Choose the Best Personal Finance Software for You?