Our guide to the best personal finance software provides a comprehensive overview of the top free finance tools for your computer. Free personal finance programs, also known as financial management software, are designed to help you manage your finances on Windows 10. The following article covers all aspects of free finance software for Windows 10: what to look for in a financial program, the most important functions that such software should include, and our editor’s recommendations for the best personal finance application.
Learning how to manage your personal finances can be a daunting experience, but fortunately, there are a number of fantastic programs available to help you out. This article will look at ten of the best free personal finance software programs for windows 10, highlighting their features and helping you decide which one is right for you.
Personal financial software is an important part of a sound personal finance strategy. When used correctly, personal finance software can make record-keeping and managing your money easier and more efficient. Personal finance software helps track income, expenses and investments. This guide discusses some of the best personal finance programs available for Windows 10.
Spending less and saving more is easier said than done. It can be challenging to look at your finances, but with the right personal finance software for windows, it’s easier than ever before. Personal finance software for windows has grown to other devices such as tablets and smartphones. And with this type of software, you are able to track your finances from almost any device around the house or office.
Best Budgeting Software of 2022
#1) Intuit Mint
Best for online accounting.
Intuit Mint is the platform for personalized insights, custom budgets, spend tracking, and monitoring subscriptions. It supports Android and iOS devices. You can add your cash, credit cards, bills, and investments to the tools to track the money easily. It will categorize bank transactions and provide safety and security to your data.
Features:
- Mint is a platform with a budget planner and credit monitoring.
- In a budget planner, you can add and update the categories as per your requirement easily.
- For securing the data, it has various features like safeguarding the mobile app with a 4-digit code, multi-factor authentication, etc.
- It automatically finds the savings that are missed.
- It can track the bills to help you without missing them.
Verdict: Intuit Mint is a trusted, protected, and dedicated platform to manage your finances. It will help you stay focused on your financial goals. It is a platform for all accounts in one place and offers the functionalities of bill payment tracker, budgeting goal tracker, free credit score, budget alerts, investment tracker, etc.
Price: Intuit Mint is available for free.
Website: Intuit Mint
#2) 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.
Website: Honeydue
#3) 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).
Website: Mvelopes
#4) 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 your 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.
Website: PocketGuard
#5) EveryDollar
Best for creating a 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).
Website: EveryDollar
#6) 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 a 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.
Website: Moneydance
#7) 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.
Website: Money Dashboard
#8) GnuCash
Best for personal finance and ease of use.
GnuCash is the accounting software for personal use as well as for small businesses. This financial accounting software supports multiple platforms Windows, Linux, Solaris, Mac, BSD, etc. The software is intuitive and based on professional accounting principles.
For small businesses, it offers the functionalities of customer & vendor tracking, jobs, invoicing & bill payment, tax & billing terms, etc.
Features:
- GnuCash provides the features of double-entry accounting, small-business accounting, reports, and graphs.
- It has features for Stock/Bond/Mutual Fund Accounts.
- It offers functionalities like QIF/OFX/HBCI Import and Transaction Matching.
- It has features for scheduled transactions and financial calculations.
Verdict: GnuCash is an easy-to-use and powerful platform. This personal financial accounting software offers the functionalities of tracking bank accounts, stocks, income, and expenses.
Price: GnuCash is available for free.
Website: GnuCash
#9) 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.
Website: Quicken
#10) YNAB
Best for personal budgeting.
YNAB is an acronym for You Need A Budget. It is personal budgeting software. It supports Windows, Mac, and iOS platforms. It provides the features of bank syncing, goal tracking, real-time updates, reports, and personal support.
Features:
- YNAB supports multiple currencies.
- It gives you real-time information from any device.
- It provides the features of goal tracking.
- It can provide reports on your progress.
Verdict: YNAB is an easy-to-use software that provides the four rules to help you with budgeting. The tool will guide you on the management of money. It will give you complete control over your money.
Price: A free trial is available for 34 days. YNAB offers monthly ($11.99 per month) as well as annual plan ($84 per year).
Website: YNAB
Additional Personal Finance Software
Honeydue
We chose Honeydue as the best option for couples because it is specifically geared toward helping you manage your money with a partner. You can link accounts and customize what information you share with your partner while also communicating about money issues directly through the app. Notifications even alert you to upcoming bills or when you or your partner exceeds pre-set spending limits in your budget categories. Pros
- No monthly fee
- Choose how much account information to share with your partner
- Transactions are automatically categorized
- Customizable alerts for overspending or upcoming bills
Cons
- Only available for iOS or Android (no desktop app)
- Limited financial education
- Few reporting features that allow you to look at the big picture
Honeydue is designed to help couples manage their finances together and its features are focused on joint communication. Honeydue makes sharing information about money simpler by allowing you to respond to your partner’s transactions with a note, a thumbs-up, or other emojis. You can also aggregate your linked account information to see all of your individual and joint transactions in one place.
Honeydue makes tracking spending easy by automatically categorizing transactions as well as allowing you to add your own custom categories. And while there are fewer reporting options than with some other programs, customizable alerts help ensure nothing falls through the cracks.
Conclusion
Wondering which financial tools you need to make your life easier? From budgeting and planning to tracking and debt reduction, these personal finance software programs and mobile apps are the best of the best – helping you to take control of your finances. Personal Finance software helps you to manage your money in a better way. Our Personal Finance Software for Windows will help you keep track of your assets and liabilities, create budgets, analyze spending patterns and track all your financial information with ease.
Personal finance software for windows 10 comes in handy when it comes to managing your personal finance. Some of these tools are easy to use and with the help of effective money management software, you can work more efficiently.