Top 10 Personal Budget Software Apps

Budgeting software helps you create and stick to a spending and budget plan and usually has other personal finance features for managing your money. This list highlights the 10 best budgeting software choices for Mac, Windows or online.

1
You Need a Budget 4 (YNAB)

The budgeting feature screen in YNAB 4.
You Need A Budget

You Need A Budget 4 packs in many features and improvements over earlier versions and actually teaches sound budgeting practices as you use it. YNAB 4 runs on Windows and Mac computers and backs up data automatically. Budgets can be shared among multiple users. Use this budgeting software and you could find yourself living debt-free. Android and iPhone apps sync data to the desktop. More

2
MoneyWell Budget Software for Mac OS

Manage money and your budget on your Mac with MoneyWell.
No Thirst Software

MoneyWell envelope budgeting software for Mac OS uses buckets instead of envelopes to show how much money you have left in each budgeted spending category. If you overspend in a category, its bucket tips over.

MoneyWell uses a one-window interface for setting up spending buckets, recording transactions and viewing reports. MoneyWell is shareware, so try it at no charge and then buy it if it works for you. MoneyWell imports QIF data from Quicken and Microsoft Money. More

3
BudgetPulse

Set up your budget in BudgetPulse free online financial software.
BudgetPulse.com

BudgetPulse is easy to navigate and use. While it doesn't have a lot of fancy features, BudgetPulse has solid budget tools and helps with managing financial accounts, spending and tracking savings goals. You can make savings goals public to allow others to contribute funds to the goals. More

4
PocketSmith

PocketSmith online budgeting app dashboard.
PocketSmith LTD

PocketSmith online personal finance app uses a calendar to forecast your budget well into the future. PocketSmith also tracks accounts and savings goals and includes financial reports. Import transactions yourself or set up automatic downloads. More

5
CalendarBudget

CalendarBudget is an online money management tool that tracks daily spending.
CalendarBudgetScreen Shot by Shelley Elmblad

CalendarBudget is free online budgeting software that uses a calendar to show you how your budget will be affected by income and expenses in the future. CalendarBudget has a clean look and a good set of features for future financial planning, but it does not automatically download transactions. More

6
Mvelopes

Mvelopes is online personal finance software that manages money using envelope budgeting.
Mvelopes Toolbar

Mvelopes is a fully featured online personal finance app with strong envelope budgeting features. Mvelopes is subscription-based and includes mobile apps for Android and iPhone. There's a free trial; just be sure to cancel the subscription on time if you decide not to use this software to avoid having your credit card charged. More

7
NeoBudget Online Budget Software

NeoBudget online budgeting app.
Tebros Systems, LLC

If you just want to keep a budget and you're not interested in a lot of other fancy financial bells and whistles, NeoBudget is low cost, easy-to-use online envelope budgeting software that must be seen. More

8
PearBudget Online Budget Software

PearBudget budget category set up
PearBudget.com

PearBudget online budgeting software tracks a monthly personal budget and applies envelope budgeting by using irregular expense categories for annual quarterly or other non-monthly expenses. PearBudget rolls unused amounts for irregular expenses forward to the next month to facilitate envelope budgeting and runs in four different Internet browsers, so it can be used on all operating systems. More

9
Budget by Snowmint Creative Solutions

Budget by Snowmint Creative Solutions LLC is software that uses envelope budgeting principles.
BudgetSnowmint Creative Solutions LLC

Budget by Snowmint Creative Solutions uses virtual envelopes to show you how much is available to spend in each budget spending category. This app includes a calendar for budget reminders and investment account tracking. Budget has two desktop versions, one for Windows and one for Mac, and an iOS app that syncs with the desktop software. More

10
Inzolo

Inzolo is easy to use online envelope budgeting software.
Inzolo.com

Inzolo was created after the developer, Dustin Davis, found that spreadsheets were too time-consuming for money management and that the personal finance software he tried was too light on budgeting features. Dividing paychecks among envelopes, or anticipated spending categories, is done very quickly, and Inzolo supports OFX Connect to make importing transactions easier. Inzolo has a mobile web app that runs on smartphone browsers. More