When it comes to money management, the right personal finance software can improve your financial life by helping you become more organized and more effective.
From expense tracking and budgeting to cash flow management and achieving your savings goals, a personal finance app can help you improve your spending habits, credit score, and savings while increasing your personal wealth.
22 Best Personal Finance Software Options
To help you get started, let’s look at the 22 best personal finance software options that are available today:
- Personal Capital
- Money Plus Sunset Deluxe
Quicken is one of the most known personal finance software solutions available today. They’ve been around for 30 years and have over 17 million members. Quicken allows you to take control of your finances, including information about bank accounts, credit cards, bills, and investments.
The software has alerts to make sure you never miss a payment due date and can adapt to your goals from planning for retirement to running your own business or managing your spending. There are several plans to choose from so that you can choose the one that’s right for you.
2. Personal Capital
Personal Capital offers its customers several tools designed to give you better clarity of your finances. From money management to long-term financial planning, Personal Capital can help you plan and analyze your accounts from one single place with real-time views and award-winning dashboards.
Using this software, you can also build your own personal financial roadmap and strategy. This can help you manage risk while staying on track to reach your goals. There’s also a fee analyzer that can help you uncover hard-to-find mutual fund fees.
Personal Capital also tops our list for the best budgeting templates you can start using today.
Learn more by reading our full Personal Capital review.
Mint is a financial planner from Intuit. It’s free and easy to set up and promises widespread compatibility with different financial institutions across the US.
This can help you make sure you can connect most, if not all, of your accounts, giving you a clearer picture of your financial situation.
Once you connect your accounts, Mint updates everything automatically, including categorization, so that all of your charts have the latest information at all times.
The software also offers tips and advice on saving money by analyzing different types of accounts to help you make the most out of it.
YNAB is short for You Need A Budget. As the name suggests, the software can help you start budgeting with the average user managing to save some $600 in the first two months of using the software.
The software uses four budgeting rules that have been proven to work, helping you get, and stay, on top of your finances.
The software uses graphs and charts to make it easier to get to grips with your finances and even allows you to share with other users, such as your partner or spouse. YNAB also offers webinars and support to make sure your budgeting journey is a successful one.
Pocketguard allows you to connect different account types, including bank accounts, investment accounts, credit card accounts, and loans, all in one place.
Their charts make it easy to spot the biggest spending culprits. You can also personalize reports with your own categories and hashtags.
The software will also tell you what disposable income you have left at any given time after accounting for all of your due dates for payments and bills. Money-saving features, such as autosave and bill negotiation, are included with the software.
Albert goes beyond just helping you with your finances with several features designed to improve your financial life.
Alerts, such as overspending alerts can help you make sure you don’t exceed your budget. If you find yourself in a tight spot, the app will also advance you up to $100 from your next paycheck.
The Albert Savings feature will also reward you with a .25% cash bonus while offering free withdrawals and no fees. You can also invest your savings from as little as $1.00 with registered advisors ready to help you out.
You can also use their expertise to lower your bills and save even more money.
7. Microsoft Money Plus Sunset Deluxe
Money Plus Sunset Deluxe is Microsoft’s own personal finance software, previously known as Microsoft Money.
The software is reaching its end of life, so many of the services previously offered by this software are no longer available. This means that services like online quotes, payment of bills, and statement download are no longer supported.
Either way, the software offers a very intuitive interface that’s easy to learn and use. Data can be imported manually with the options to set up different accounts, plan your budgets, and archive data you no longer need on a day-to-day basis.
If you’re using Microsoft 365 Personal or Family edition, you can use Excel as your personal financial software. There is a Money in Excel template that you can download directly from Microsoft’s website.
The template is designed to make managing your finance seamless and easier.
You can use the Excel template to connect to your bank and automatically import your transaction information. Credit card and loan details can also be imported, giving you a wider view of your entire financial situation. The template can be customized to your requirements and needs.
It also includes alerts, charts, and money other features to help you stay on top of your game.
Moneydance offers a well-rounded personal finance application that will let you carry out different financial tasks easily.
One important feature of this application is the ability to handle many different currencies – perfect for those who have accounts abroad or denominated in currencies other than the US Dollar.
Moneydance can also automatically download your banking data with out-of-the-box compatibility with hundreds of different financial institutions.
You can also set up reminders to make sure you never miss a payment and use the built-in graphing tools to help you get a clearer picture of your financial situation.
Mvelopes uses the envelope budgeting method to help you get your finances into shape. The envelope method uses ‘envelopes’ in which you put your money.
Think of envelopes like categories. These can include things like bills, savings, groceries, among other things. Using this method, every dollar is given a purpose by being put in the relevant envelope.
There are three different paid versions to choose from with bank account connection and budgeting included in the most basic of plans.
Upgrading your plan will give you access to even more features, including the debt center, scheduled phone support, and a coach check-up every quarter.
When it comes to managing your personal finances, tax is one area that definitely deserves your special attention. This is where TurboTax comes in.
Developed by Intuit, the same people behind Mint and QuickBooks, it promises easy filing promises with full accuracy and guaranteed maximum refunds.
In fact, the tax software looks for some 350 different tax deductions and reviews every detail of your return. You can also connect with real CPAs and go over your return line by line so that you can put your mind at ease that everything is as it should be.
Banktivity is only available for Mac and iOS. This means that it’s only available for those who have Apple devices. If this is you, there are a few features to look forward to designed to help you save time and money.
From helping you build a budget for monthly and long-term expenses to saving for your emergency fund and retirement, Banktivity offers different ways to help you build your wealth.
The software also provides a financial check-up by looking at the rate of savings, net worth, and the performance of any investments you might have.
CountAbout offers an easy and customizable way to manage your personal finances. You can import data from Quicken or Mint, making it easier to switch to CountAbout if you’re currently using either one of these two.
The software connects to tens of thousands of different financial institutions with automatic transaction downloads helping you stay updated effortlessly.
Categories for incomes and spending are fully customizable, helping you easily build your own budget. The app also uses widgets to help you quickly understand your financial situation, and you can attach receipts and images to keep a record of everything.
Qapital offers a number of different features to help you manage your finances as well as plan for the future.
The software makes saving money easier with goals and rules so that you can see what you’re saving for. Rules like Save and Forget also make it easier to reach your goals faster.
Other features such as PayDay Divvy help you manage your paycheck in advance, making sure all of your commitments are covered, including anything you want to save up for.
Money Missions, on the other hand, offers a fun and challenging way to improve your understanding of money and how you can use it to build a better future for yourself.
Banktree is a personal finance software that lets you manage your accounts and investments. It also includes reports as one of its most central features. It’s important to note that while Banktree supports over 50 banks, none of them are located in the US at this time.
Banktree makes it easy to keep track of your finances with features such as receipt scanning using the mobile version of the app. It also includes features for professionals, making it ideal if you’re a freelancer, self-employed, or have a small business.
Banktree includes video tutorials and articles to help you get started on the right foot.
Moneyspire is a straight-forward financial manager designed to inspire you to take control of your finances.
You can build a number of different customized reports to understand where your money is going and take the necessary steps when this is required.
Moneyspire also makes it easy to view any expenses that are coming up, giving you ample time to prepare yourself.
To help you stay in control, there’s a bill reminder calendar, detailed transaction and balance reports, payee tracking, check printing, and automatic transaction downloads, among other features.
Buxfer connects with more than 20,000 different bank accounts across the world to help you forecast and budget.
This makes it a great solution if you have overseas bank accounts that you would like to manage using the software. Using Buxfer, you can also take control of your investments and financial planning.
The software also offers many different customizations, including the ability to set rules, grant access to different people such as your spouse and accountant. You can also track different currencies, get real-time notifications, and plan for the long-term future.
AceMoney is a personal finance manager by MechCAD Software. There are no online or mobile apps. Instead, the software needs to be installed on a Windows PC or Apple macOS computer. The company labels the software as an alternative to both Quicken and Microsoft Money.
There is a one-time payment involved that will grant you access to a number of features, including management of multiple accounts, tracking of investment performance, exchange rates, and multiple accounts management.
KMyMoney is an open-source financial manager that may seem a bit dated when compared to other solutions, but this does not mean it’s not worth considering.
Being “open source” means, it’s completely free and still has many features and tools to help you keep track of your money.
KMyMoney uses double-entry accounting to make sure your financial data is as accurate as possible while keeping it easy to use even if you’re not technical.
The app features guides to help you do just about anything, from reporting to budgeting and forecasts.
HomeBank is another open-source personal accounting software designed to help you manage your personal finances.
Using HomeBank, you can set up a monthly as well as an annual budget, allowing you to easily see the day-to-day and the bigger picture with less effort.
HomeBank promises an easy-to-use interface and beautiful charts that are easy to use and read. You can easily import bank data as well as data from a number of financial planners so that if you decide to switch, you don’t have to start over.
ClearCheckBook is a security-focused personal money management application that’s available online.
This means there is no computer app to install, with all data stored on their cloud servers. They do offer mobile apps, but the information is still stored centrally so that it’s accessible from anywhere.
ClearCheckBook includes many features to help you manage your finances, including bill tracking, budgets with spending limits, transaction scheduling, and many others. You can view your financial information using the built-in dashboard, where everything is naively presented in colorful charts that are easy to read.
MoneyLine Personal Finance Software by NCH Software offers users the ability to become their own money managers with a wide range of features. The software needs to be installed locally on a PC or Mac and can be downloaded directly from their website.
It offers a checkbook register that allows you to list your checking, credit cards, and savings accounts. You can also track investments and easily schedule recurring payments.
There’s also a Budget Wizard to help you easily set budgets, categorization of transactions, including split-categorizations as transfer tracking, among other features.
Finding The Right Personal Finance Software For You
Personal finance software is essential if you’re looking to take your financial management to the next level.
While there are some features that you’ll find in whichever software you choose, some features tend to be available exclusively to one.
Some apps also tend to do better than others in certain areas. This makes it important to choose the one that best for you, your circumstances, and, ultimately, your goals.
Take the time to think about what is important to you and what isn’t and consider our reviews to understand what each app does best.
This will help you make sure you choose the software that best fits your financial situation, and allows you to achieve your goals that much faster.