Top 10 personal finance software

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You may be able to draw up your own will free of charge. Some software offers basic features with free and paid versions. Other software helps you meet more complex financial goals and charges monthly fees.

Personal finance software is worth the cost if it helps you meet your personal financial goals. It may help you stick to a budget and save money or manage and track your investments and gain money. We researched and reviewed many personal finance applications and chose our top eight personal finance software options based on price, variety of features, the types of financial goals they help you meet, company reputation, and more.

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Create a personalised content profile. Measure ad performance. Select basic ads. Create a personalised ads profile. Select personalised ads. Apply market research to generate audience insights. Measure content performance. Develop and improve products. List of Partners vendors. Financial Planning Financial Software. By LaToya Irby. LaToya Irby is a credit expert who has been covering credit and debt management for The Balance for more than a dozen years.

Learn about our editorial policies. Reviewed by Somer G. Anderson is CPA, doctor of accounting, and an accounting and finance professor who has been working in the accounting and finance industries for more than 20 years.

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Available for Windows, macOS and Linux there's also an Android app in development HomeBank can be installed normally or as a portable app, and it makes the topic of personal finance easily accessible.

If you've been using another program — such as Quicken or Microsoft Money — to manage your finances, you can import data to save having to start from scratch. You can add an unlimited number of accounts to the program, and they can be linked to each other to allow for easy money transfers — it is all entirely dependent on manual editing, though.

With enough data entered, it's possible to generate all manner of reports, including helpful predictive reports for car ownership and the like. Very much designed with the average person in mind, this is a personal finance app for people who hate personal finance apps. Billing itself as an alternative to Quicken sets a high bar for AceMoney Lite , but it's a target it manages to reach, even in its free, cut-down iteration.

There's only support for two accounts in AceMoney Lite, but this should be enough for many people. You can even use the program to keep track of your PayPal account.

Managing accounts in different currencies is no problem, but you'll have to enter data into this free personal finance software rather than having your transactions pulled in from your bank account. That said, if you download statements from your online bank account, these can then be imported to saved time with manual entry.

AceMoney Lite also makes it easy to track your spending and investments, making it a reasonable financial tool for anyone looking to take control of their finances. GnuCash is simple enough to be used for home finances, but flexible enough to be put to use by small businesses as well. While the software is easy to use, the fact that it's suitable for small business accounting is thanks to the inclusion of a number of extra features that you would not necessarily expect to find — support for payroll management and double-entry accounting, for instance.

Although relatively easy to use, this free personal finance software does really require some familiarity with accounting software, and it's simple to migrate from another program because you can import data in QIF and dOFX formats. Support for expense tracking makes this ideal software for preparing for tax season, and there are a huge number of reporting options to help you to make sense of your cashflow.

The software is available for macOS, Windows and Linux, as well as Android, and it's highly recommended that you try out this great tool before you consider any of the paid-for alternatives. In a matter of minutes, you can set up all of the accounts you need and start keeping track of your incomings and outgoings. Money can be easily pulled from and moved between different accounts, and Buddi can generate all sort of reports about your spending and earnings broken down in a variety of ways.

If you're looking to save money, the program can help you to stick to a budget and for anyone who is completely new to the concept of accounting, the Buddi website has a number of helpful guides to help get you started.

On the downside, Buddi requires you to have Java installed which is not going to be to everyone's liking, and the software itself has not been updated for a little while. Neither of these two factors are enough to stop us from recommending that you take a look at the program — it could well be just what you've been looking for.

North America. The best personal finance software makes financial planning easier and simpler to manage, from receipts and payments, to income and outcome. View Deal. Reasons to avoid - Slender app versions - Rivals come cheaper. Reasons to avoid - Limited features - Patchy useability. Reasons to avoid - Can be a bit tricky to navigate - Needs their online banking subscription for syncing.

Money Dashboard. Reasons to avoid - No Android app - Lacking budget alerts. Reasons to avoid - Reporting options are limited - Thin on investment options.

Powerful finance software with handy reports to keep you on track. AceMoney Lite. A great choice if your financial affairs are relatively straightforward. Reasons to avoid - Only supports two accounts - Doesn't link to online accounts.

Clear and well designed — ideal if you're new to finance software. Reasons to avoid - Requires Java. AWS went down hard, yet again - here's what happened. Honor's new foldable phone is bigger and more powerful than the Galaxy Z Fold 3.

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