Best Personal Finance Software Money management software can help you take control over your finances. Setting up a budget and really understanding where. Home → Personal Finance Software Reviews Personal Finance Software Review 2018 When it comes to finding a Top Rated Personal Accounting Software comparing quotes is the key to getting the best product for the lowest price. Identifying the best personal finance software for you based on which platform you use the most (desktop, online, Mac, iPhone, Android, BlackBerry, etc.) can be a daunting undertaking, especially due to the hundreds of budgeting, personal finance, money management, and savings software sectors. We spent over 60 hours testing 20 personal finance apps and programs to find the best budgeting and money management tools. Our choice for the best personal finance software is Quicken Premier. It combines the best budgeting tools with easy-to-use tax reporting.

1. Personal Finance Software For Mac
2. Best Personal Finance Software For Mac Reviews
3. Personal Financial Software For Mac
4. Best Personal Finance Software Reviews

Best personal finance software

Read on for our detailed analysis of each app

The wide availability of digital devices and mobile apps means that managing your personal finances is no longer such a challenge as it used to be. Rather than juggling pieces of paper, you can now run everything through a single software package.

Because the records are digital it means they are easy to store and backup, and different applications can be used either just on your PC or sometimes also on your smartphone.

The basic ones simply provide an easy portal for managing your finances, but some of the more advanced ones can help with reducing debt, managing budgets, or even provide finance advice as an additional service.

We'll therefore look at the best on the market for personal finance software, and show you the standout features of each one so that you can get a better idea of which would be best for you.

If you're looking to keep your business books with a bit more detail, check out our guide to the best accounting software.

• We've also chosen the best free software for small businesses

• Want your company or services to be added to this buyer’s guide? Please email your request to desire.athow@futurenet.com with the URL of the buying guide in the subject line.

1. Quicken

Quicken is a long-established tool for managing personal accounts, and while its reputation was built on a desktop version, it's now available to run as an app on your mobile devices.

Quicken offers a good range of financial reporting tools. These are set around a few different areas, namely budgeting, bills, accounts, and even investments. For budgeting, it offers you a chance to input your purchases and income so you can compare them both together to get a better idea of how much you are spending compared to how much you are earning.

In terms of bills, you can also see which utlities and similar you are constantly paying out to, and see both the amounts to be paid and how much money you have left over. For accounting purposes you can even bring your banking and credit card bills together in one place so that you have a very clear idea indeed of how much you're paying out. This is especially handy as people easily underestimate how much regular small purchases can add to costs.

For investments it also offers the ability to track these, whether as part of your savings, investment portfolio, or 401k pension plan. This means you have a clear idea of how much your savings and investments are worth, though it's fair to say you shouldn't panic about short-term fluctuations in the stock market.

Altogether, Quicken brings together your budgeting, banking, and investment reporting into a single dashboard, which you can view from your desktop or even via your cell phone from the mobile app.

Pricing starts at $34.99 a year for the Starter Plan which covers most of the basic features, though the Deluxe plan at $39.99 a year allows for additional budgeting and goal setting.

2. Personal Capital

Personal Capital's primary function is to track your investments, assets and savings, rather than specifically looking after your current accounts. Are your assets working for you? Are you on course for a comfortable retirement? What can you do to be better off? Plug everything in and you'll be able to see the big picture of your finances.

Personal Capital offers specific advice and statistics based on your goals and your current standing, but access to human financial advisors is where the company makes its money.

While anyone is welcome to use its website, you can only access advisory services if you have an account minimum of $250,000, and there's an annual fee (of between 0.49% and 0.89%) to pay if you want your assets – this is lower than most financial advice services.

Overall, Personal Capital beings all your checkings and savings accounts, loans, mortgages, and 401k accounts into a single dashboard which can make it easier for you to manage your finances.

3. Buxfer

An online service that's not slathered in effects and colours, Buxfer does a good job of presenting your finances in a clean, professional manner. It cutely brags about the fact that it's currently helping its users manage over four trillion dollars in funds, so it's got a solid user base behind it.

You don't have to give Buxfer your exact banking details if you're uncomfortable doing so – you can opt for offline manual syncing with your bank account instead – but if you do trust it, there's a layer of high-level encryption to protect your data and the company is regularly audited.

We like its budgeting tools best of all – the visual reporting is very strong, and the fact that it doesn't force you into predefined categories and instead allows you to tag expenditures however you see fit means Buxfer should fit nicely into most people's banking lives.

The free version gets you five budgets, accounts and bill reminders, the Pilot version ($1.99 per month) adds on automatic tagging and bank syncing, the Plus version ($3.99 per month) gives you unlimited budgets, and the Pros version ($4.99 per month) includes online payments, advanced forecasts and more besides.

4. YNAB

Just in case you need to be told explicitly what to do, along comes YNAB - short for You Need A Budget. Because, hey, if you don't want to spend every single penny you have and more, you absolutely do need one. And perhaps you have more money than you thought?

YNAB's primary mission, as you might expect, is to help you curb overspending and avoid living from paycheck to paycheck. Stick to the program, temper your spending appropriately, and eventually YNAB will see you spending last month's money rather than that which you've just earned.

It's quick to install, supports the majority of transaction information downloadable from banks, and appropriately configures itself for personal or small business use by changing its monetary categories depending on your needs.

Personal Finance Software For Mac

If you get off track, YNAB – which is reasonably forgiving and understanding for a bit of software – will tell you what you need to do to get back to where you need to be. You'll have to make sacrifices, but if it's guidance you need, this sets itself apart from the likes of Quicken.

5. Banktree

Banktree is more than happy to support worldwide currencies, and in fact does a solid job if you're working simultaneously with more than one, offering balances in multiple currencies rather than rounding them off into a single total. It's also good for keeping track of everything, allowing you to scan receipts with its mobile app and import them later on.

It's not the prettiest software around, and it's slightly more awkward to use than many of its more refined cousins, although Banktree does produce very neat reports which you can break down by time, or by payee. It may be worth experimenting with the free trial before you choose to invest in this one.

6. Money Dashboard

Features personalized tags that make budgeting easier

This iOS/Android app doesn't try to reinvent the banking world or offer anything truly ground-breaking, but it is perhaps one of the most useful money management tools out there. Hook up every one of your UK bank and credit card accounts and you'll be able to see each of your balances in a single place with a single login. That in itself is enough for us to recommend it.

But there's more – Money Dashboard will track your spending, offering you an overall pie chart depicting your spending on loans, consumables, transport and the like. There's an at-a-glance overall balance, showing exactly how much money you have available across all of your accounts, and you can compare this to the previous month's figure to show how well you've been managing your funds. That's a great motivator.

It's super-safe, too: Money Dashboard locks down your login with an equivalent level of security to that of your bank, and it's completely read-only – your money isn't going anywhere.

7. Moneydance

Money management made easy with a simple interface

Made primarily for Mac users (but also out on Windows and Linux), Moneydance is a desktop money management package with a very neat single-window interface. Load it up and you'll get an instant view of your finances, upcoming bills, recent expenses and more. Click an item in the left hand sidebar and the main content changes to reflect it.

Its reporting features are quite strong if not spectacular to look at, and one of Moneydance's most useful sections is its account register. If you're old-school and once managed a cheque book, this operates on a very similar principle. There's also an iOS app for logging transactions on the go, which later syncs with the software on your desktop.

Best Personal Finance Software For Mac Reviews

Unfortunately for UK users, Moneydance doesn't support the connection protocols used by UK banks, so you'll need to download your transaction history manually to keep on top of it and revert to your bank's own app to move money around. US users, however, are well covered.

Personal Finance Software Reviews

Personal Financial Software For Mac

Money management software can help you take control over your finances. Setting up a budget and really understanding where your money goes is a challenge for most people. When you use money management software you can track spending, create a savings plan, a debt reduction plan and even retirement planning. This allows you to make better use of your income so that you can reach your financial goals. We have evaluated the financial software available on the market today and have chosen the programs that are easiest to use and understand. These software choices will do the best job of providing you will better control over your money, allowing you to spend money on the things that really matter.

Most Popular Personal Finance Software

QuickBooks Premier

The QuickBooks Premier Software is available for Windows based PC’s. The software is easy to use and provides everything you need to manage your finances, bank online, pay bills online, establish and maintain a budget and track your investments. QuickBooks Premier is also able to track multiple currencies to provide you with money management for overseas accounts. This feature also helps with planning for international trips or even international living. QuickBooks Premier will categorize your spending and can automatically send payments to multiple financial institutions. This allows you to track spending and pay bills more conveniently and accurately. The software will establish graphs and charts making it easy for you to see your spending at a glance, manage your investment portfolio with summary pages, to allow you to understand your complete financial picture all in one convenient place.

• Provides financial overview
• Notifies you of upcoming payments or transactions
• Provides exchange rate information
• Reconcile bank statements quickly and easily
• See detailed account information at the click of a button

– Anthony Dawson

Best Overall Personal Finance Software

TurboTax Deluxe

The Intuit-TurboTax-Deluxe software is made specifically for the Mac and PC computers. This software will organize your finances and create an easy method for keeping up with spending. The software gives you access to all of your accounts in one place. This enables you to see where your money is spent and manage your finances with more accuracy. The Intuit-TurboTax-Deluxe software is easy to stall and includes step by step instructions for operating the software and managing your finances most efficiently. The software allows you to see daily balances, upcoming bills and paychecks. This provides a simple way to keep track of spending, manage receipts and reduce debt. There is a snapshot screen which allows you to see the overall financial picture. It then provides details for each area of your financial management, for better budgeting and more accurate assessment of your financial situation. TurboTax-Deluxe can help you save money on bank fees and late fees. It can track investments and help you create a better and more diversified portfolio that will more accurately reflect your investment goals. The Intuit-TurboTax-Deluxe also provides for easy importing into Turbo Tax.

Best Personal Finance Software Reviews

• All accounts can be seen in one place
• Enables user to create and maintain accurate budgets
• Tracks investments and savings along with monthly spending
• Debt reduction tracking
• Attaches receipts to spending allowing users to manage receipts, tax deductions and warranties

– Anthony Dawson

Best Budget Personal Finance Software

Intuit – Quicken Deluxe 2019

The Intuit-Quicken-Deluxe-Download software is a software program that will assist in organizing your finances. Once the software is downloaded, there is a step by step set up that will walk you through everything you need to do to create an easy to understand and convenient money management system. There is on line support with set up that is free, you can get tips from Quicken forums along with a 60 day money back guarantee. The Intuit-Quicken-Deluxe-Download software will allow you to connect all of your financial data in one place. Organize your bank accounts, credit cards, loans, and investments in one location. The software will then track spending and help establish and maintain a working and accurate monthly budget. The Intuit-Quicken-Deluxe-Download has the ability to track receipts through its mobile app. Just take a picture of the receipt and attach it to an expense. The Intuit-Quicken-Deluxe-Download software can track tax deductions, warranties, rebates, and other important expenses. The Intuit-Quicken-Deluxe-Download is built to import information into turbo tax for easy tax preparation.

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• Provides access to all accounts in one location
• Creates a working budget with assistance in keeping the budget
• Tracks spending and savings
• Provides debt reduction strategies
• Maintains receipts for taxes, warranties, and managing large expenses

– Anthony Dawson