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Best Budgeting Software for Mac

Best Budgeting Software for Mac

Whether you want to track your finances, pay off debt, or plan for the future, you need a budgeting software that fits into your daily life. With an accurate but straightforward tool, you can get back on track with your financial goals. The best budgeting software for Mac users offers a wide range of features to give you the tools you need to save money, pay off debt and more.

There are a lot of budgeting software options available for Mac, but which one is the best for you? This article will explore the Top Personal Finance Software for Mac, Budgeting Tools, and Personal Finance Software Free and more.

Best Budgeting Software for Mac

1. Moneydance

Moneydance is a wonderful place to start if you’re looking for a comprehensive budget tool for the Mac. The software enables you to record thorough transactions and provides a quick overview of all of your accounts. With the most recent improvements, Moneydance now has more features, more mobile compatibility, and is a powerhouse for managing all facets of your budget, including more complicated investments. In order to help you remain on top of your monthly spending, it also connects to your bank accounts and provides free bill payment services. You’ll need the best free antivirus software tools for Mac to protect your data with that type of access to all of your private financial information.

2. YNAB

You Need a Budget, a suite of powerful tools that manage to avoid being scary thanks to their friendly interfaces and clever tool management, has quickly developed from a financial management app to one of the strongest financial brands and possibly the best budget app for Mac. The most recent version offers long-term bill planning and collection as well as cloud synchronization capabilities. A young family or someone who wants to completely switch their money management over to a Mac will find it to be the perfect fit. To protect your financial information, you will also require one of the top Mac password management programs.

3. OmniFocus 2

Because it is much more than just a budget software, OmniFocus doesn’t initially appear to be one. This app is for you if you already have a budgeting system in place but would benefit from organization and notification features to help you manage your money a little more efficiently. It excels at producing thorough to-do lists, reminders, shopping lists, and comparable features. Omnifocus 2 is the perfect supplemental software for your financial endeavors, helping you organize everything from the newest home improvement project to making sure your shopping trip is within your monthly budget boundaries. See our list of the top free dating apps for iOS if you prefer to meet people online and through social media.

4. Mint QuickView

The goal of Intuit’s Mint.com project is to assist people, particularly younger people, in making more responsible financial decisions. It encourages people to build healthy budgets, adhere to competent financial advice, and make wise financial plans for the future. Free Mac app called Mint QuickView brings the entire online experience on your desktop. With the app, you can keep track of all your cash flows and any significant adjustments while receiving alerts for any transactions and account changes. The app also features the familiar, user-friendly graphs from Mint.com for a quick look at your spending.

5. Personal Capital

If you’re keeping an eye on your money, you might prefer a program that digs a little bit deeper than Mint or YNAB—or, to be honest, a lot deeper. Personal Capital comes into play here. It enables serious investors to focus on managing a sophisticated and complex portfolio with a view on long-term profit and swift, efficient decision-making. One of the best tools available for managing your investment money on your own, it offers a wealth of data and graphics that provide a quick overview of your portfolio’s stocks, bonds, and other holdings.

6. GnuCash

When compared to other Mac-compatible budgeting programs, GnuCash is unique. It is open source, to start. The download is free, and there are many modification options for your unique circumstance, but finding the right plugins and optimizing it will take a lot of your time. GnuCash, however, enables you to find answers for a variety of issues, including transaction matching, investment accounts, comprehensive double-entry accounting for commercial activity, reports and graphs, scheduled future transactions, and much more, inside its framework. Although some apps have simpler and fancier interfaces, this one offers a ton of content in exchange.

7. Evernote

Evernote is primarily recognized as a note-taking and note-sharing tool used for teamwork. Many group budget-related tasks really need this. Evernote is the perfect tool for synchronizing spending decisions between roommates or family members because it is so widely used and simple to use. Do you want to trade shopping lists? Make a reminder about the cost of gas? Keep track of utility bills and debt obligations. All of that and more can be facilitated using Evernote. No matter what other apps you use, its complementing nature makes it one of the top cheap software for Mac solutions.

8. OfficeTime

The majority of these apps have thus far been developed exclusively for personal budgeting tasks. OfficeTime, on the other hand, adds budget tracking features to the business side, especially for employees who must simultaneously track billable hours and project budgets for several projects. For busy freelancers, it’s an excellent software that integrates well with Excel and Numbers. Even if you might require something else for your main budget, OfficeTime is a priceless tool for generating precise numbers for your budget no matter how perplexing things become.

Free Budgeting Software for Mac

1. Debit & Credit

Being aware of your income and expenses is the first step in good money management, but maintaining financial records may be a pain. I’m beginning my list with not one, but two applications devoted to financial management because of this.

The first, Debit & Credit, is a straightforward, uncluttered Mac application that enables you to track and view all of your revenue and cost sources in one location. Additionally, Debit & Credit offers a mobile version for the iPhone and iPad that enables you to add transactions while on the road and syncs the data with your Mac app via iCloud.

Other great features:

  • Import transactions from your financial institutions
  • Budget and schedule transactions
  • Generate reports that show you where and what you spend your money on
  • Shared your accounts with someone else

2. HomeBudget Lite (w/ Sync)

The second money-management program I’m highlighting here is HomeBudget Lite, and for good reason.

Although this Mac program and the Debit & Credit app both have a number of similar capabilities, such as tracking costs, income, invoices that are past due, and account balances, there are a few distinctive features that set this one apart.

The most crucial aspect is its family sync feature, which enables a collection of devices from the same home to share income and expense data under a single budget.

Other great features:

  • Browse expense entries by month, category, date, etc.
  • Attach photo images of receipts
  • Support for multiple currencies and automatic exchange rate conversion
  • Classify expenses into fixed, variable and discretionary and compute your disposable income

The greatest drawback with the lite version of the HomeBudget software is that users are limited to 20 expense entries and 10 income entries. This may be a deal breaker for users with more complex finances.

3. Stock + 

You may monitor the stock market in general and your stock portfolio in particular using Stock Plus, a terrific research tool.

Update your knowledge of mutual funds, exchange traded funds, commodities, and international stocks from global exchanges.

The software comes with a brief and understandable welcome tutorial that will help you become familiar with its capabilities.

Other great features: 

  • Scrolling menubar ticker tape guarantees that you never miss changes
  • Pause the ticker to keep a handful of stocks in sight at all times 
  • Create comparison graphs with ease
  • Mouse over graphs to see historic data for a specific day or time

4. Unpaid Bills Lite

Unpaid Bills Lite is a straightforward program that excels at what it does. You can prevent paying another payment late by doing this.

The software that resides in your dock will notify you when all of your upcoming or recurring invoices are due by entering the information.

When a bill is paid and marked as paid, it is removed from the dock. Easy as pie.

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5. MoneyWiz 2 Premium

With MoneyWiz 2 Premium, you can organize all of your accounts, budgets, and bills in one location for quick viewing and simple management, making it simple to gain a full picture of your money.

Other great features:

  • Highly customisable
  • Build custom reports based on what you want to know about your money
  • Supports more than 16,000 banks worldwide
  • Sync multiple devices with cloud based SYNCbits 

User BuildoBen says: 

6. Car Manager 2

A car owner’s fantasy is Car Manager 2. You can enter and organize all financial and non-financial information pertaining to your automobile with this useful software.

The program computes information to produce thorough statistics of your expenditures, including cost per spending category, cost per mile, and cost per day.

Non-financial statistics can be calculated and presented in brief or in full. Examples include the change in miles and average fuel usage.

Other great features:

  • Calculates carbon footprint and the mass of carbon dioxide (CO2) vehicle produces
  • All data—costs, fill-ups, vehicle information—can be exported as a CSV file
  • Application automatically adapts to the units of measurement used per country

User Setulp3 says:

7. GetRate

GetRate is your friend if you frequently travel, conduct business abroad, or make investments abroad.

Using a variety of data sources, this currency converter covers more than 130 currencies and offers analytics and projections for exchange rates.

One of GetRate’s best features is its built-in statistics, which will teach you more about currencies and how they interact.

Other great features:

  • Forecast tools to help you estimate future exchange rates
  • Built-in alarm clock to help you keep informed about sharp currency fluctuations
  • Calculator can operate in offline mode 
  • Country and currency matching system 

8. TimeBalance

A wonderful app for anytime bank account monitoring is TimeBalance. With just one click, the program creates a small indicator that sits in the Mac’s menu bar next to the clock and continuously shows the account balance. It also provides a quick glance at recent transactions.

You may get a quick overview of your account at any given time thanks to the secure transmission of balance and transaction information across encrypted connections and local storage on the Mac.

Other great features:

  • Easily connect to multiple accounts 
  • Need to log in just once
  • App updates every 10 minutes, or manually when you click it
  • Translate multiple currencies into Euros, Pound Sterling or US Dollars

Top Personal Finance Software for Mac

1. Moneydance

Moneydance is a wonderful place to start if you’re looking for a comprehensive budget tool for the Mac. The software enables you to record thorough transactions and provides a quick overview of all of your accounts. With the most recent improvements, Moneydance now has more features, more mobile compatibility, and is a powerhouse for managing all facets of your budget, including more complicated investments. In order to help you remain on top of your monthly spending, it also connects to your bank accounts and provides free bill payment services. You’ll need the best free antivirus software tools for Mac to protect your data with that type of access to all of your private financial information.

2. YNAB

You Need a Budget, a suite of powerful tools that manage to avoid being scary thanks to their friendly interfaces and clever tool management, has quickly developed from a financial management app to one of the strongest financial brands and possibly the best budget app for Mac. The most recent version offers long-term bill planning and collection as well as cloud synchronization capabilities. A young family or someone who wants to completely switch their money management over to a Mac will find it to be the perfect fit. To protect your financial information, you will also require one of the top Mac password management programs.

3. OmniFocus 2

Because it is much more than just a budget software, OmniFocus doesn’t initially appear to be one. This app is for you if you already have a budgeting system in place but would benefit from organization and notification features to help you manage your money a little more efficiently. It excels at producing thorough to-do lists, reminders, shopping lists, and comparable features. Omnifocus 2 is the perfect supplemental software for your financial endeavors, helping you organize everything from the newest home improvement project to making sure your shopping trip is within your monthly budget boundaries. See our list of the top free dating apps for iOS if you prefer to meet people online and through social media.

4. Mint QuickView

The goal of Intuit’s Mint.com project is to assist people, particularly younger people, in making more responsible financial decisions. It encourages people to build healthy budgets, adhere to competent financial advice, and make wise financial plans for the future. Free Mac app called Mint QuickView brings the entire online experience on your desktop. With the app, you can keep track of all your cash flows and any significant adjustments while receiving alerts for any transactions and account changes. The app also features the familiar, user-friendly graphs from Mint.com for a quick look at your spending.

5. Personal Capital

If you’re keeping an eye on your money, you might prefer a program that digs a little bit deeper than Mint or YNAB—or, to be honest, a lot deeper. Personal Capital comes into play here. It enables serious investors to focus on managing a sophisticated and complex portfolio with a view on long-term profit and swift, efficient decision-making. One of the best tools available for managing your investment money on your own, it offers a wealth of data and graphics that provide a quick overview of your portfolio’s stocks, bonds, and other holdings.

6. GnuCash

When compared to other Mac-compatible budgeting programs, GnuCash is unique. It is open source, to start. The download is free, and there are many modification options for your unique circumstance, but finding the right plugins and optimizing it will take a lot of your time. GnuCash, however, enables you to find answers for a variety of issues, including transaction matching, investment accounts, comprehensive double-entry accounting for commercial activity, reports and graphs, scheduled future transactions, and much more, inside its framework. Although some apps have simpler and fancier interfaces, this one offers a ton of content in exchange.

7. Evernote

Evernote is primarily recognized as a note-taking and note-sharing tool used for teamwork. Many group budget-related tasks really need this. Evernote is the perfect tool for synchronizing spending decisions between roommates or family members because it is so widely used and simple to use. Do you want to trade shopping lists? Make a reminder about the cost of gas? Keep track of utility bills and debt obligations. All of that and more can be facilitated using Evernote. No matter what other apps you use, its complementing nature makes it one of the top cheap software for Mac solutions.

8. OfficeTime

The majority of these apps have thus far been developed exclusively for personal budgeting tasks. OfficeTime, on the other hand, adds budget tracking features to the business side, especially for employees who must simultaneously track billable hours and project budgets for several projects. For busy freelancers, it’s an excellent software that integrates well with Excel and Numbers. Even if you might require something else for your main budget, OfficeTime is a priceless tool for generating precise numbers for your budget no matter how perplexing things become.

Personal Finance Software Free

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.

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 payment, 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 getting the 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.

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.

Conclusion

Budgeting software is not something most people enjoy, but it’s essential. Budgeting software helps you plan your finances, organize them and track spending so you can make better choices. Let’s face it—budgeting is boring and difficult. The best budgeting software will make things easier and more fun. The reality is that there are a lot of software options available to users, so finding the right one for you requires some research.

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