The Best Personal Finance Software

Whether you want to track accounts, keep a budget, or do other money management tasks, there's a great selection of personal finance software out there to help you keep track of all that cash. All you have to do is power up your smartphone or your computer. You can spend a little or a lot, depending on your needs and goals. 

Moneydance

Moneydance desktop personal finance software with iOS app.
Moneydance 2012 Personal Finance Software and Mobile App© Copyright The Infinite Kind 2012

Moneydance has all the features most people need to manage their money. It has an easy-to-scan home page and imports downloaded transactions with just a click.​ Moneydance features aren't accessed quite like other personal finance software, but it isn't difficult to learn and use and there's a lot of help available in the online user forums. The website also offers tech support and you'll receive detailed tutorials with the product documentation.

This software handles multiple currencies, has iPhone and iPad apps, and offers a decent set of financial reports. It's compatible with Windows, Mac and Linux. The software runs about $50 as of 2017. 

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Quicken Personal Finance Software

Quicken
Courtesy of Amazon.com

Quicken for Windows has been around for years, and more and more features have been added as those years have passed. It can help you manage all aspects of your personal finances.

Not everyone wants a boatload of features, so there are multiple Quicken versions to choose from, such as the Starter Edition or Quicken Home and Business. Prices vary depending upon your needs. The software is compatible with Mac or Windows, and apps are available for iPhone, iPad and Android devices.  More

You Need a Budget

You Need A Budget includes a spending by category report to see how you've spent money.
YNAB 4 Spending by Category ReportYou Need a Budget.

You Need a Budget, familiarly known as YNAB, is a money management tool that's perfect for beginners. It actually teaches solid personal finance money management practices, such as spending only income that you've already earned. YNAB will help you to avoid overdrawn accounts and messing up or straying from your personal budget. As of 2017, you can get the first 34 days for free. After that, it's less than $5 a month.  More

AceMoney

AceMoney personal finance software home screen.
MechCAD Software / Screenshot by Shelley Elmblad

AceMoney is actively developing and always improving on an already good Windows personal finance software option. AceMoney has been translated into many languages, and it tracks investments as well as accounts and budgets. It supports more than 150 currencies. Financial data can be imported from other personal finance software and spreadsheets.

It's available in Mac OS and Window options and you can download it from the MechCAD Software website for about $40 as of 2017.  More

Free Microsoft Money Plus Sunset Deluxe

The Home Page in Microsoft Money Plus Sunset Deluxe will be familiar to Money Plus users.
Microsoft Money Plus Sunset Deluxe Home PageMicrosoft

Microsoft no longer supports or develops MS Money, but there's still free Microsoft Money personal finance software available. It's called Microsoft Money Plus Sunset Deluxe.

Skip this software if you're looking for automated account downloads, because it's missing Internet-supported features. Otherwise, you can read about the ​features in Microsoft Money Plus Sunset Deluxe to find out what to expect, what's missing and where and how to download. Microsoft designed it specifically to replace its old money management software.  More

SplashMoney

If you are looking to simplify your financial software, try SplashMoney's free trial.
SplashMoney for WindowsSplashData, Inc.

Consider SplashMoney if you want reasonably priced personal finance software that's easy to use. It offers decent customization options but without an exhaustive list of advanced features. You can manage your money while you're away from your computer with SplashMoney for iPhone, Android and other smartphones. The apps can be purchased bundled with the SplashMoney desktop program.  More

Fortora Fresh Finance

Fortora Fresh Finance is personal finance software for Mac and Windows.
Fortora Fresh Finance BudgetFortora LLC

Personal finance data can be shared among multiple users on one computer or over a network when you use Fortora Fresh Finance. The data works with both the Mac and Windows versions of the software. Each registered copy of Fresh Finance can be used on up to three computers. Tech support is free and very responsive, and Fortora plans to support multiple versions of the software as it's further developed.

I's only available for Windows as of 2017, but that could change at any time. It currently only imports documents in QIF format, but that could change, too. Free trial versions are available if you want to give it a shot before buying.  More

GnuCash

Enter transactions in GnuCash registers. GnuCash is free financial software.
GnuCash Account Registerwww.gnucash.org

GnuCash has features that are appropriate for small businesses, but it also functions well as personal finance software. GnuCash has been translated into 21 languages and handles multiple currency exchanges, and this financial software is very easy on your wallet—it's free as of 2017. More

Something for Everyone

Choosing the right personal finance software can be a little like choosing the perfect mate. When it's right for you, it can last a long time. The key is to pinpoint your needs and assess your tolerance for things like desktop clutter. But rest assured, there's software out there for you.