Personal finance has become more than a simple activity. It’s a daunting task, and most people don’t have time to learn it. Luckily, there are affordable software solutions that make personal finance easy. Read this article on the best free financial software to find out about free windows personal finance software.
If you prefer to keep your finances organized, free windows personal finance software is a must. Most of these programs are desktop applications that allow you to manage your money the way you like it. The best ones provide an overview of your accounts and allow you to categorize, group and track expenses, investments, loans and credit cards all in one place.
Many personal finance software programs can be complex and confusing to use. The best Windows personal finance software doesn’t have to be complicated or slow. You can control your spending and budget, and even maintain a savings account without all of the bells and whistles many programs offer.
Personal finance is crucial in today’s times, both for individuals and for the world. The ability to control your finances is a skill that, when mastered, can lead you to a happier and more fruitful life.
General Features Of Personal Finance Software
While choosing the software, you can also look for the below-mentioned features.
- Mobile App
- Bank-level Security
- Real-time updated information
- Categorization of transactions
- Financial accounts in one place.
- Setting of goals
- Tracking of goals and spending.
- Reports on your performance.
- Balance forecast
- Tool’s personalization capabilities.
Mint
Mint is a free online budget planner from Intuit, the makers of TurboTax and Quickbooks. This app brings all of your financial data together, showing you an overview of your budget, spending, bills, and credit score. You can create your own budget, set goals and reminders, and sync your data between web and apps. Security is enhanced by encryption and multi-factor authentication. You can also use Mint to track your investments and portfolio.
Access Mint via the web or phone apps for iOS and Android.
PocketGuard
Best for categorization & organization of your expenses.
PocketGuard is the tool that will help you with categorizing and organizing expenses. It will categorize and organize your expenses into tabs and graphs. It will set aside the money for bills, goals & necessities and give you a clear view of spendable money. You can link all your bank, credit cards, and loans & investment in one platform.
Features:
- PocketGuard has features to personalize the reports with custom categories and hashtags.
- It provides the feature of AutoSave that will automatically grow your savings. You just have to enter your goal of saving and the tool will handle the rest.
- It will track the bills and negotiate better deals for cell phone bills, cable bills, etc.
Verdict: PocketGuard will help you with optimizing your spending and thereby grow the savings. You can see all accounts in one place and will be able to keep track of your account balances, net worth, etc.
Price: PocketGuard offers a free plan and a Plus plan. You can get a quote for its pricing details. As per the reviews, it may cost you $3.99 per month or $34.99 per year.
Mvelopes
Best as an envelope budgeting system.
Mvelopes offers an envelope budgeting system with three editions i.e. Basic, Premier, & Plus. The app is available for Android and iOS devices. It will let you connect with an unlimited number of accounts.
With all three editions, you will get access to live chat & knowledge base, interactive reports, and auto transaction importing & account balance monitoring.
Features:
- The basic edition will let you connect your bank accounts and create an online envelope budget.
- With the Premier and Plus plan, you will get access to Mvelopes learning center, debt reduction center, and initial setup assistance.
- For the Plus plan, Mvelopes offers the features like a dedicated personal coach, a personalized financial plan, and high-level priority support.
Verdict: This envelope budgeting system will help you gain financial peace of mind. It is a simple and affordable budgeting program. With Mvelopes, you will be able to manage your finances from anywhere.
Price: Mvelopes offers a free trial for 30 days. Basic ($5.97/month or $69 per year), Premier ($9.97 per month or $99 per year), & Plus ($19.97 per month or $199 per year).
EveryDollar
Best for creating monthly budget & tracking your spending.
EveryDollar is a budgeting app with the functionalities to create a monthly budget, save money, and track spending. You can enter your monthly income, make a plan, and track spending by creating a transaction. It is accessible through a web and mobile app. The mobile app is available for iOS and Android devices.
Features:
- EveryDollar provides a customizable template to help you with planning your expenses.
- You can track your spending according to your plan.
- Every time you spend money you can create a transaction and this helps you to track spending.
Verdict: EveryDollar is an all-in-one budgeting guide that is accessible from anywhere. It will let you track your expenses and save more. This easy-to-use app will help you with achieving your goals.
Price: You can try the app for free for 14 days. EveryDollar offers the solution with three pricing plans i.e. 3 months ($59.99), 6 months ($99.99), and 12 months ($129.99).
Moneydance
Best for personal finance management.
Moneydance is an application for personal finance. It supports Windows, Mac, Linux, Android, and iOS platforms. It has the capabilities of online banking, bill payment, account management, budgeting, and investment tracking.
It supports multiple currencies. It provides the summary of your finances that includes account balances, upcoming and overdue transactions, reminders, etc.
Features:
- Moneydance has features for downloading transactions and sending payments online. For this, it supports a lot of financial transactions.
- It provides the facility to create graphs and reports for your income and expenses.
- It has Account Registers for entering, editing, and deleting transactions in an account.
Verdict: Moneydance is a personal finance software that is easy to use. It provides all the features required to manage personal finances. It will easily handle any financial task. Moneydance has various functionalities including online banking and setting up reminders for payments.
Price: Moneydance offers a free trial. You can buy the tool for $49.99. It has a 90-day money-back guarantee.
Money Dashboard
Best for budgeting and growing the savings.
Money Dashboard is a budgeting app that provides the functionalities to manage all your accounts. It supports more than 40 banks and providers. It offers the functionalities to transfer money and create offline accounts. It can be used on a laptop, tablet, or phone.
Features:
- Money Dashboards will automatically categorize your spending so that you will get to know where the money goes.
- It has functionalities to track bills, payday countdown, and predicted balance.
- To provide you security, it follows the best in class practices like FCA authorized & regulated and bank-level security.
Verdict: Money Dashboard is a secure platform with capabilities of bank connections, budgets, balance after bills, bills & subscriptions, tracking your spending, etc.
Price: Money Dashboard is available for free.
Honeydue
Best for couples to manage finances.
Honeydue is an application that helps couples to manage their finances together. It is a smart tool that provides instant notification and real-time balances & budgets for each partner. It is a collaborative tool. It is a secure platform and offers real-time card locks functionality. It offers 24*7 fraud protection.
Features:
- Honeydue has the features to access cash from more than 55,000 surcharge-free ATMs, Apple, and Google Pay.
- With Honeydue joint bank account, the couples will be able to bank together.
- Honeydue supports multiple languages.
- It provides reminders for bills.
Verdict: Honeydue is a mobile application that will let couples collaborate on their terms. It offers the functionalities for tracking all the accounts, coordinating bills, and chatting. Honeydue is working on automatic bill payment features too.
Price: Honeydue is available for free.
GnuCash
GnuCash is desktop software; its features include tracking bank accounts, stocks, income, and expenses. GnuCash is based on double-entry accounting for balanced books and you can run a number of reports to see your financial data. GnuCash also offers small-business accounting tools that let you manage customers and vendors, handle invoicing and bill payments, and even payroll.
GnuCash is compatible with Windows, Mac OS X, GNU/Linux, BSD, and Solaris. There is a companion app for Android that will let you track expenses on the go and later import them into the desktop software.
AceMoney Lite
AceMoney Lite bills itself as the best Quicken alternative. You can manage your budgets, track your finances in multiple currencies, keep an eye on your investments and analyze your spending habits. You can also do online banking. As this is the lite version, you’re limited to two accounts; the full version supports unlimited accounts.
AceMoney Lite is compatible with Windows and Mac OS X.
Personal Capital
Personal Capital offers free financial software for tracking investments and planning for retirement, in addition to its tools for cash flow, spending, budgeting and net worth. Personal Capital’s focus is on investments, showing you the performance of your portfolio over time and helping you make decisions for the future, so its budgeting components aren’t as robust as other software.
If you’re not an investor or prefer fine-tuning your budget to get a broad view, Personal Capital may not be the best fit. However, if you want to save for college or retirement, its free tools will show you whether you’re on track.
Personal Capital can be accessed via the web or apps for Android and iOS.
Quicken
Best for money management & personal finance.
Quicken is a personal finance and money management software. That will help you with managing spending, budgets, investments, retirement, etc. It will categorize your expenses automatically. Quicken provides 256-bit encryption security. Your data will be transmitted securely with robust encryption.
Features:
- Quicken has a bill center dashboard and a facility to download a PDF of bills.
- With Deluxe and premier plans, it offers the features of loan, investment, and tax planning.
- Quicken Bill Manager offers the features of bill tracking and bill pay.
- Quicken’s key features include keeping finance up-to-date, searching transaction history, checking investment performance, and viewing balances, budgets, accounts, & transactions, etc.
Verdict: With Quicken, you will be able to manage your money on desktop, web, and mobile platforms. It is a secure place that will let you see all the bank and credit card accounts in one place.
It will give you a complete financial picture at a glance. In one place you can view banking, investment, retirement, credit card accounts, etc.
Price: Quicken offers the four pricing plans for Windows PC i.e. Starter ($35.99 per year), Deluxe ($46.79 per year), Premier ($70.19 per year), and Home & Business ($93.59 per year). For the Mac platform, it has three plans i.e. Starter, Deluxe, and Premier. It offers a 30-day money-back guarantee.
Buddi
Buddi is an open-source budget software that runs on Windows, Mac, and Linux systems and has been translated into multiple languages. Buddi can encrypt financial data with a password, and it’s designed to be easy to use even if you have no financial background.
Features include budgeting, tracking accounts, and personal finance reports, but you will have to enter transactions manually. Free plugins add more features, and the online user manual is easy to read and use.
Buddi is compatible with Windows, Mac OS X, and Linux.
Free Budget Spreadsheets
If you don’t need fully featured personal financial software and you’re just concerned about keeping a budget, there are some great free budget spreadsheet templates you can use with Microsoft Excel, OpenOffice Calc or Google Sheets. Just download and open them in your spreadsheet software to get a handle on your cash flow.
How Does The Personal Finance Software Work?
The online Personal Finance Software works by storing your financial data on their servers. This gives you an advantage over storing data on desktop computers as it can be easily hacked.
Some advanced online solutions provide the highest level of security. They encrypt your data and show it in a non-readable format. A good tool provides firewall protection for filtering the network traffic and preventing malicious attacks.
Conclusion
If you are looking for best free finance software to manage your personal finances, try Free Windows Personal Finance Software. There are many other windows personal finance programs available on the Internet that can also be used to manage or track your money. However, not all of them are supported by Windows operating system.
If you want to get your financial life under control, then you need the best personal finance software. The problem is that there are so many different programs out there, it is often difficult to know which ones are the best.