Personal Finance Software Reviews and Downloads

Budget

Budget is a unique personal finance manager that uses an envelope system to help you manage your income and expenses. Unlike traditional finance managers that usually use a statement-style display, Budget uses virtual envelopes that allow you to allocate money to specific expenses (mortgage, car payment, utilities etc.), and shows you how much money is left over after those expenses. Instead of showing you how much money you have in your account, it lets you visualize how much money you have left to spend. Despite the simple concept, the program includes a variety of advanced features that let you balance your checkbook, record payments by check, debit or credit card and more. It can handle multiple bank accounts and income sources, and import account data from QIF files. If you are looking for an easy way to visually manage your finances without having to deal with complicated account management products, you should definitely give Budget a try.

AceMoney Lite

AceMoney Lite makes it easy to manage a checkbook, create and manage budgets, juggle finances in multiple currencies, track spending habits, record expenses, and even do on-line banking. The account information can be shared or password protected. The program offers an easy to use interface that is straight forward and much easier to use than most commercial packages. Yet it offers everything you need to balance your personal bank account and keep track of where your money is going. The free version is limited to one bank account.

Money Manager Ex

Money Manager Ex is a personal finance software that offers a full set of features to manage your finances, budget and investments. It supports checking, credit card, savings, stock investment accounts, as well as fixed assets with depreciation. You can manually enter transaction and also set up reminders for recurring payments or withdrawals. The program supports multiple accounts and currencies and can produce graph and pie chart reports for your spending/income and budget. Other features include AES encryption, import from CSV and QIF formats, money transfers between accounts and more. Money Manager Ex uses a non-proprietary SQLite Database backend, and can be run from a USB drive.

PWSMoney Lite

PWSMoney Lite is a simple personal finance manager designed to track account transactions and keep an eye on your personal finances. It offers an easy-to-use interface that provides a simple account register as well as an overview of upcoming transactions. You can enter transactions manually or import them via CSV or QIF (MS Money) file. Other features include scheduled or recurring transactions, custom categories, printable reports and export to QIF. PWSMoney is a portable program & is designed to run on a USB drive. The free Lite version is limited to 4 accounts and up to 10 personal categories.

AceMoney

Organize and manage your personal finances with AceMoney. The program is available in English, Spanish, Russian, Italian, Dutch, French, Portuguese, Polish, Hungarian and Swedish.

iCash

iCash enables you to manage your basic finances, including bank accounts, expenses, incomes etc. from a simple interface. You can setup your monthly incomes and expenses, and insert transaction to keep track of your financial activities. The program allows you to view all your finances at a glance, and can also create reports, profit and loss statements, account statements and more.

MoneyTwizz

It provides the means to plan your future expense and income transactions and to keep the planning synchronized with your bank statements. You do not have to spend hours entering the bank statement data and assign all expenses to categories. The goal of MoneyTwizz is the planning aspect, not the bookkeeping aspect.

CommonCents 2007

Even if you are new to envelope budgeting and to managing your finances with an envelope system, you will find CommonCents easy to learn and simple to use. It's packed with powerful features, including automated transactions, checkbook-style registers, account reconciliation, password protection, detailed financial reports, and so much more!

Home bookkeeping

You say you don't have the discipline to control your budgeting? With Home Bookkeeping, it's a snap! It's your chance to finally become a savvy spender and protect yourself from the danger of debt. Unlike the usual paper and electronic spreadsheets, Home Bookkeeping is your personal financial secretary and advisor. Graphical diagrams and income and spending planners will help you to stop wasting money and to start saving.

Credit Doctor

Credit Doctor's Award-winning Credit Repair Software Kit - 100% Legal credit repair, co-written by attorneys to use the credit laws to YOUR advantage! Boost your FICO Score, Generate Letters, Order Free Credit Reports, Remove Errors and Negotiate with Creditors...and get the best Loan, Mortgage, Refinance or Credit Card Rate possible! Includes Organization and Planning Tools, Financial Calculators and hundreds of useful Tips and secrets of credit repair from the Pro's.

Everything I Own!

Keep track of every item in your home or collection, in the event of theft or disaster. List purchase price, replacement cost, warranties, locations, types of items, condition of items and where it was purchased. You can add your own data items when needed. View and print single item reports, or the entire database. Sort and filter data on screen and in all the reports. It provides backup and restore functions as well. Check to see if warranties have expired, or will expire within the next 60 days. Maintain separate inventories for different residences. A Quick Start Menu option and online Help files are provided.

BankTree Personal Finance Software

BankTree Personal Finance software helps organize and manage your income and expenditure, putting you back in control of your money. BankTree Personal Finance allows you to record your income and expenditure, supports multiple currencies, record transfers between accounts, balance your accounts, and check cleared funds, scheduling payments, expenditures, transfers, with a handy payment reminder, investment management, including multiple data feeds, allowing you to keep your stock/share price history in the same place. BankTree Personal Finance allows you to allocate account transactions to different categories, and sub-categories, set budgets for each category, Import/Export records from online banks and other sources including support for Microsoft Money and Quicken, up to Ten Reports that show your financial health and help you to budget better. . BankTree Personal Finance is the UKs premier budgeting software including Loan and Mortgage Calculators, and online Currency and Stock Rate lookups.

GasDandy

Calculates gas mileage, oil changes, tire rotations, creates easy to understand graphs and prints detailed reports. Records gas mileage, odometer readings, fuel purchase dates, oil changes, tire rotations, business mileage, and view vehicle trends with graphs.

The Money Program

The Money Program is an easy to use but powerful home accounts program which allows you to track and analyse your money. It will store transactions from multiple accounts, schedule regular transactions and display reports and graphs. To make analysis easy you can categorise your transations to allow you to see where your money is coming from and where it's going. It also contains future balance graphs, calendars, reports, and QIF import function.

Rylstim Budget

You will be able to "see" what payments you made and when you made them, not just store information about them in a list. You will also be able to keep track of your incomes and expenses, get information on the state of your project at any moment, set a password for your project and much more.

Personal Finance Manager

This program allows you to create estimated annual budgets, track income and expenses, and compute your net worth. Guideline budget figures are provided for included categories and various income levels. The previous year's budget can be imported into current year. Calculators are included for amortizing loans, comparing interest rates, and creating savings plans. The savings calculator is capable of performing retirement income forecasting with both lump sum and annuity calculations. View summaries to compare monthly and annual budget projections versus actual income and expenses via tables and charts. Customize your own accounts, transaction types, and categories. Transactions can be viewed using annual and monthly views, and can be filtered by account and category. These can be sorted by date, account, category and amount. Split and recurring transactions can be generated. Income can be allocated on a monthly basis into various categories and into a savings repository to be allocated to various savings goals. Data can be saved and exported as CSV (comma-delimted) or text files. The password-protected database keeps your personal records secure.

Home accounting (UDF)

Software for keeping home budget, it does not require you to know even accounting basics. As easy to keep home budget and work with the program as possible. Month and year balance, the correlation between actual and planned income, the dynamics of records for a year, the level of record completeness, the share of a record in a month, the total of income are displayed in the main window. Keeping debts, credits. .NET Framework 1.1 is required!

Investment Growth RateCalculator

Stock Growth RateCalculator is an affordable and easy-to-use Windows program, which calculates how fast your money is growing based on the investment and the balance of your account. You may enter the balance any time, for example, when you sell the stock, or at the end of week or month to see the growth rate. In addition you can also make future projection of your investment based on the current balance and growth rate. This calculator calculates the rate of return, using yearly interest compounding. It does not simply use the final balance and total investment to calculate the rate. Instead, it takes the date of individual investment into account. This distinguishes RateCalculator from other calculators available in market. This type of calculation cannot be done by scientific calculator and it needs programming techniques to solve for the rate. This software encloses this calculation and yet give simple interface for user to interpret the investment data easily. This software is ideal for individual investor, who needs to calculate how fast the money is growing in order to fine tune the investing strategy and estimate the future balance for the say next 10 years. Nevertheless, it can be used by any person having a bank account, mutual fund or any type of investment.

ExpenseMonitor Excel

If you have made a resolution to cut down your expenses and you have Microsoft Excel, this software may be just what you need! The ExpenseMonitor is intended to make the tracking simple and easy and yet powerful enough to make the analysis of your spending pattern. The ExpenseMonitor calculates the monthly totals, saving, and charts on the fly! It provides a comprehensive list of expense categories/items, which can be grouped into recurring, and tax-deductible expenses. Yearly consolidation can be made on a click. Search ability and sum calculator make bill consolidations easy.

Bankarama

Keep all your bank balances on your mobile phone. Optimized for everyday use, Bankarama is designed to let you record a transaction very quickly (2-3 seconds). Featuring: * Instant Transactions * Optimized Usability * Multiple Accounts.

A Free Mortgage Calculator

A Free Mortgage Calculator from www.eMortgageCalculator.co.uk is a desktop program to help you budget and calculate your mortgage payments.See the effect that changing the term on your mortgage can have on your interest payments. Shows the total amount of interest you will pay over the term of your mortgage as well as giving you an instant idea of what your monthly payments will be for either repayment or interest only mortgages. This program can be used for other loan types such as car, or personal.There are links to low mortgage rates and helpful information regarding mortgage interest types,buy to let mortgages and general mortgage information.

Pawnbroker Pawn Shop Software

Easy year-end profit and tax reports. Track pawns, pawners, buys, rentals. Automated forfeitures, loans, payments, redemptions, sales. Audit cash drawers any time. Auto-apply fees and interest. Auto-compute new-loan interest rate. Detailed inventory records. Extensive detailed reports. Fee schedule flexibility. Gun and police reports. Gun hold until ATF is completed. Leads Online uploading. Customized Pawn Forms Auto-Filled. Pictures of inventory

Personal Checkbook Advantage

Personal Checkbook Advantage works just like a checkbook register. It was developed as an alternative to other freeware that just didn't quite cut it. Also, many people do not write checks any more and the checkbook register has become cumbersome having to handwrite all transactions. This program is user-friendly and designed to quickly add transactions into your register. It also helps you balance your register with your bank statement. No more adding up what hasn't been cleared. The Register Screen shows you the "uncleared bank balance". As a plus, the program keeps track of spending habits by setting categories to each transaction.

Budget Ace

The program has graphs and reports to give you a visual representation of your budget. The program simply allows you to enter your paycheck information for each month. You can create categories and budget spendings for each of those categories. The program allows you to copy categories and paycheck information from the previous month so that you don't have to recreate them every month. The has graphs and charts to give you a visual representation of your budget. The program can even estimate what you should budget for each category based on your previous spendings.

HomeStuff

Record any personal item quickly and easily using a modern user interface that is intuitive, easy and fun to use. We took excellent care in not adding toy buttons for show. The HomeStuff interface is efficient and simple to remember

Mortgage Watchdog Pro - Mortgage Checker

Mortgage Watchdog Pro checks your bank statements and stops banks overcharging you.

Checkbook Balancer

Hate to balance your checkbook? This spreadsheet takes the drudgery out of a tedious task, and is a excellent way to learn to balance your checkbook.

Dead On Last Payment Calculator

This calculator will show you one of the quickest ways to pay off your credit card or other debt (popularized by David Bach of Finish Rich fame). It does the job of sorting out your debts into the optimum repayment order, which will excellently reduce the payoff time and the amount of interest you pay.

Credit Card Manager In A Box

Credit Card Manager In A Box will help you get a grip on your credit card debt and create a custom payment schedule that will eliminate your credit card debt. Simply add your credit cards, enter your balances along with the percentage rates and minimum payments, and the program will do the rest. It will consolidate the monthly minimums payments with an option to add an additional amount to be distributed between all your cards. The printable report will show you a detailed scenario and payment plan that will ultimately pay-off all your credit cards. The additional summary report also provides you with an overview of the combined principal and interest to be paid for each card.

Ashkon Income Tax Calculator

Ashkon Income Tax Calculator is a simple calculator to quickly estimate your Federal Income Tax and find your tax bracket. It supports the current tax yera as well as previous years (back to 2000) and includes an option to select your filing status, displays the average tax and the percentage tax relative to your total income. Simple interface, simple functionality, lacks support for tax adjustments, credits and exemptions.

MobFinance

MobFinance offers a broad range of trade information about stocks, mutual funds, and derivatives from major markets including NYSE, NASDAQ, etc. With MobFinance, an investor can monitor his entire portfolio by retrieving stock quotes and live charts showing intraday, weekly and 12 month graphs, as well as today's headlines through Internet directly from your mobile phone anywhere at any time. Its data charts also enable an investor to observe the price trend and capture momentum. WAP proxy is fully supported and five different language support meets the needs of multi-national investors. MobFinance makes instant finance information is at investor's hand.

Simple Money Tracker

Simple Money Tracker is a an easy-to-use personal finance manager that lets you track income and expenses in multiple accounts (bank, credit card , loan etc.), and includes budget management features, as well as printable reports and statements. It supports custom expense categories, recurring deposits and bills, and more. You can also import your downloaded bank statements from .qif and .ofx files and export transactions to a .csv spreadsheet. As the name may indicate, the Simple Money Tracker interface is straightforward and easy to understand.

Elohai Free Accounting

Elohai is a free accounting software for home, small business.

DAFFTIN Simple Family Budget

DAFFTIN Simple Family Budget can be used to keep the books of your family finances (home bookkeeping). The program provides an easy way to keep track of your daily expenses/incomes, credits, debts and other operations with you finances. Features of DAFFTIN Simple Family Budget include a very fast and easy to use data entry system where each transaction is just one line. Other features: low system requirements, unlimited number of moneyboxes, To-Do reminder, data backup/restore functions, simultaneous support of several currencies, generation of basic reports (pie charts,bar charts), ability to print data and export data to HTML or Microsoft Excel format, the program absolutely does not use windows registry.

Best CashBook

Best CashBook is a blessing for cash management. It manages Cash, Deposits and Credit Cards at once, giving an insight of incomings, outgoings and fund changes. It will be very simple and easy to use once you overcome learning the entry principles. Developers can utilize its miraculous formula and frame when they develop their own software.

Simple Money Keeper

So easy that Grandma can even use it! Simple Money Keeper 2007 helps people easily manage all personal finance-related tasks, such as balancing the checkbook, keeping track of credit cards, managing bills and recurring deposits, keeping track of loans and loan payments, keeping track of a budget and day-to-day expenses, and generating reports to see where the money is going. Simple Money Keeper's straight-forward user interface has an easy learning curve, and you will be up and running in a matter of minutes. Try Simple Money Keeper 2007 today, and enjoy the benefits of managing your personal finances on the computer.

Medical Bills Plus

This software keeps a record of your family's medical costs to ensure that your insurance claims have been paid. The program provides a way to record medical visits and costs as they occur, and to calculate and display information.

APSW Budget Planner Pro

The new Budget Planner V3 Pro is fully customizable. Simply set up your home budget the way you want and for families who require separate home budgets, the Budget Planner allows you to create individual categories under which your family member place their income and expense items, or each family member may wish to have their own home budget plan. This feature is excellent for kids needing to learn how to budget effectively without mum and dads input. Included is a mortgage calculator with 3 scenarios and 9 different sub scenarios.

MoneyKeeper 2005 - Home Edition

Track your day-to-day expenditures and income with MoneyKeeper. Its automated features include getting account balances and transactions from your bank and auto-categorization of spending.

Stash

This spending-driven personal productivity software is designed to help you understand how much you spend and where it's going. Make a budget with a detailed schedule that works out exactly when money is due to go out or come in, enter receipts that you have spent to keep track of where the money is going with My Cash Flow, analyze spending habits by comparing budgeted amounts to actual amounts, forecast using the My Cash Flow section and Analysis section in order to make planning for the future easier, and go back to the past and track what you have spent.

BasicBudget

This application, planned and developed for the average person with no experience of accounting, financial planning or advanced computing, facilitates management of home and family finances.

Family Funds Tracker Pro

Track income, expenses and savings. Sort expenses by category and type. See average category spending by day, week, month and year. View colored graphs of activities. Print reports and graphs. Use predefined reports or create your own. Includes features such as closing out a year, recurring items, frequently used notes and can be password protected if desired. Search and sort data several ways.

Or-Fin

Plan your personal financial and provisional situation. Using an overview of all financial matters, Or-FinOr-Fin displays important information about your assets, credits, insurance policies, wills and other contracts. It creates a range of reports and a personal finance overview.

My Budget Keeper

Track your personal expenses or create a family budget with My Budget Keeper. The Income panel shows family finances and available funds. The Expenses panel shows all purchases and payments made by different family members within a specified time period. The Persons panel is used to enter different family members. The last panel, Reports, is the core and the essence of the program. The program offers four basic reports with available graphs that correspond to the Income, Expenses and Persons panels.

checklite

Manage your personal finances and process activity downloaded from your bank in OFX format. Once activity detail has been downloaded, you can categorize your withdrawals and deposits. You can display or print your budget as a report or graph. The program includes special Flash demonstration tours and a help system.

Budgetizer

This software is a utility for personal and home finances and budgeting. More than just an electronic checkbook, Budgetizer also provides a rule system for automatically budgeting and managing your money. Budgetizer supports multiple users and multiple accounts, and provides password security.

Graphic Accounts

This personal budgeting tool creates a home or family budget. Its dual chart graphical display shows the interaction between income and expenditure.

Smart Money

With Smart Money you can enter, view, analyze and print out all aspects of your personal income and expenditure. You can enter details of income and expenditure together with an unlimited number of bank and building society accounts. Income and expenditure can be classified to your own specification and you can input all entries from your bank statements.

MemDB Accounting System

This accounting software allows you to manage personal finances. The program uses a double entry method of bookkeeping. It provides journal listing, trial balance, balance sheet and profit and loss reports. The program includes a powerful analysis tool.

Debt Accelerator

This personal finance tool shows users how to reduce the time taken to pay debts off and the amount of interest paid without consolidating or altering their payment amounts in any way. Anyone with more than one debt can take advantage of Debt Accelerator. The more debts you have, the more dramatic your results will be. Average families with four to five debts, including a home loan, have been able to reduce their payment time by 12-15 years and save between $50,000 to $100,000 in interest.

Money Discoverer

Money Discoverer is a utility designed for personal finance or home economy accounting. It has a beautiful and intuitively understandable interface. Here is the list of the possibilities provided by the software: Incomes, expenses, debts and accumulation accounting provided. You can define your own "money boxes" in order to trace how much money has been saved for this or that purpose. An important Money Discoverer feature is the support of ALL existing currencies and the opportunity to keep account of any currency amount simultaneously. Operations on exchange, records moving between items, convenient record editing are provided. Convenient masks for searching records in the log. Program access is protected by the password.

Home Budget

This program is modeled after the traditional envelope system where you set aside a portion of your income for various expenses. Each month you create budget transactions that automatically move your income into various accounts. When you actually spend the allocated funds, the money comes out of the appropriate "envelope" and is recorded against the real fund account -- your checkbook, bank, or credit card.

RichOrPoor

This software is a software for individuals, families and some small companies to manage and analyze their financial affairs. With over 33 types of reports or charts that can be customized, you will know your assets and liabilities, income and expenses, and also control your budgets and investments. The program can manage most aspects of personal financial affairs including cash, common assets, savings, checking, credit cards, liabilities, creditor's rights, loans, investments, insurance, and budgets.

SoftBanking

This personal income and expense-tracking program supports all the features required for basic home accounting. You can create your own categories to assign your transactions, and also set up multiple users. In addition, you can generate monthly and yearly charts for spending, income and account balance. Additional functions include importing your home banking files, support for multiple accounts and record filtering.

Easy Expense Tracker

This allows you to track personal and business expenses, including tax-deductible transactions. It supports unlimited user-defined categories and sub-categories, and you can choose from several pre-defined reports or create your own. Charts can be viewed and printed, and you can export data to CSV format for use in other programs.

A2Z Home Inventory

Just moved to a new house? Want to keep your household records in one place? Plan to do some improvements and would like to estimate costs? Now there is software tool that can help - A2Z Home Inventory and Improvements - two modules in one package! A2Z Home software is easy to use and install. You can keep as much or as little details about your household items and home improvements. A2Z Home Inventory will take care of presentation, repair costs estimations, contacts and will provide a lot of data for future use. Create your own web pages using HTML export features. You can send entire log to your family members by e-mail. Let them look at and verify your data. You can customize ANYTHING in the program through configuration dialogs. No previous experience using inventory software required. Comprehensive help is available. Keep records about contractors, stores, phone numbers, warranty expiration dates, repair budgets and so on. It may well save you a lot of money. Give it a try - you will not be disappointed!

MoneyKeeper

If you want to track all of your day-to-day expenditure and income,please try MoneyKeeper.A simple, easy-to-use but powerful software. If you want to track all of your day-to-day expenditure and income,please try MoneyKeeper. A simple, easy-to-use but powerful software. With MoneyKeeper, you can manage your finances smarter,faster and spend time wisely, also you can take care of your personal and home or small business finances.Faster. MoneyKeeper is the ultimate personal and home finance solution that will help you secure your financial future. Its automated features, like getting account balances and transactions from your bank and auto-categorization of spending, help simplify your life by showing you how much you have and how much you're spending. MoneyKeeper makes it easy to keep tabs on areas that matter to you, like dining out and groceries.

Home Buyers Calculator Suite

This program lets home buyers calculate the financial scenarios related to the purchase or sale of a home. This includes:

Three quick calculators
A mortgage qualifier
Two loan amortizers
Loan spread calculator
Bi-weekly payment calculator
Refinancing calculator
Estimated closing cost calculator
Home sellers proceeds
Prepayment calculator

CornerStone Personal Finance Manager SE

This program will help you manage your day-to-day financial affairs. You can record all your incomes and expenses, record bank transactions, and organize and analyze all your financial transactions.

Family Budget

This program will help you create and manage a household budget. You can record, track and plan expenses so unexpected or forgotten bills don't upset your plan. You can even set up repeating expenses and bills.