Best Free Personal Finance Software for Windows 10

Personal finance software helps people keep track of their finances, manage budgets and pay bills, while free personal finance software gives you even more great tools to help manage your money. The best free personal finance software for windows 10 gives you the power to organize your finances and keep track of spending. Each program helps you analyze spending, create budgets, and find ways to save money. These products make it easy to monitor credit card transactions, create savings accounts and savings goals, track net worth, and pay bills automatically.

Personal Finance Software is the most important application for each and every personalist. Personal finance software helps you to manage your money in a more effective way, it also allows keeping track of your expenses, handling pay stubs, tax returns and much more task.

There are so many personal finance software available on the internet and all claim to give you the best results. So, how will you know that they are actually good and what features they have? We did some research and came up with the top 10 best free personal finance software for windows 10 which has great features, reliable and easy to use interface.

If you’re looking for free, cross-platform personal finance software, I’d recommend picking up a copy of Moneydance. It’s easy to use, works on Windows 10 and iOS, and comes with all the features you’re likely to need for tracking your income and expenses.

Is Personal Finance Software Safe?

Any personal finance software or money app will be safe as most will use strong encryption and controls to ensure your financial data is protected. Always review any of the products’ security features before signing up, as you want to protect yourself from fraud or hacking.

1. Pocket Expense Personal Finance

Pocket Expense Personal Finance is a simple and easy-to-use personal finance software. It helps you manage your money, stay on top of bills, track income and expenses, and create budgets and alerts. Pocket Expense Personal Finance is a free software for Windows 10.

Pocket Expense Personal Finance can import data from multiple sources like Quicken(QIF), MS Money(MDB), Banktivity (QFX), iBank/Bankbook (QBO), YNAB (YNAB4) or QFX/OFX files received via email attachments or manually entered by yourself. You can also sync your data with your other devices through Dropbox so that you always have access to it no matter where you are in the world!


YNAB is an excellent way to create and manage a budget, and Windows 10 users can use YNAB for free. On the surface, it looks like most other personal finance apps: you enter your income, expenses, and debt payments each month, then YNAB will tell you how much money you have leftover. However, there’s one huge difference between YNAB (which stands for “You Need A Budget”) and other software: YNAB helps you change your habits so that they work in harmony with your finances instead of against them.

What does this mean? Well, if you’re the type of person who tends to spend more than he earns—or vice versa—YNAB helps break down why that happens so that it doesn’t happen again next month or year. The app will show what categories are draining your bank account faster than others—like eating out or shopping online—and make suggestions on how to cut back or save more money overall so that these things don’t keep happening every time payday rolls around again!

3. Quicken Online

Quicken Online is a free personal finance software that is available on the web, as well as on Windows and MacOS computers. The software offers features like budgeting, bill paying, investment tracking, retirement planning and more.

It’s great for those who want to keep their finances in one place.

4. AceMoney Lite

AceMoney Lite is another great option for those looking to manage their personal finances, who do not have a lot of money to spend on software. It’s also open-source, which means that if you’re tech-savvy, you can tweak it to work better for your needs. This program is available on Windows and Linux computers as well as Macs.

The main downfall of AceMoney Lite is that it only offers basic features—it won’t automatically categorize transactions or create budgets like Personal Capital does. However, it’s still an excellent free option for those who just want something simple and functional to keep track of their spending habits.

5. Mint

Mint is one of the most popular personal finance software for Windows 10. It’s free web-based software that helps you to keep track of your finances. It also has an app for Android and iOS, so you can manage your money on the go as well.

Mint tracks all of your financial accounts in one place, including credit cards, loans, investments, bank accounts and more. You can see how much money is being spent on different things like groceries or gas expenses and set up budgets for each category so that you know where your money is going every month.

Mint is great because it lets users get started right away without having to worry about setting up accounts manually or importing transactions from banks directly into their account—instead all these tasks are done automatically by Mint’s algorithms which work in the background while users do their daily activities such as paying bills online through services like PayPal or Venmo.

6. Checkbook for Excel

Checkbook for Excel is a free personal finance software for Windows 10. It is one of the most popular and easy-to-use personal finance software that lets you maintain your financial records in an Excel file and view them in a simple manner. The program has been designed for personal use and can be used by people with a both basic and advanced understanding of financial concepts.

The best part about this app is that it doesn’t require any installation process; just download it from the website, unzip the folder, run the checkbook.exe file and start using it on your own computer without disturbing other programs installed on your system. This makes Checkbook for Excel very easy to use even by non-technical users who do not have any knowledge about installing or running programs on their computers (like me).

Checkbook for Excel offers many useful features like a budgeting tool, savings calculator, debt reduction calculator etc along with several reports based on these data points which can help you analyze where exactly the money goes every month so you can take steps towards spending more wisely throughout the year 2020 onwards!

7. Buxfer

Buxfer is a web-based personal finance management tool that helps you track your money and stay on budget. It’s available for free on the web, Windows, Mac and Linux – so no matter what device you use it on it will be accessible to you.

If you want an all-in-one solution for your personal finances then Buxfer may be worth checking out. While there are other solutions out there with more features (see Moneydance below), if all you need is an easy way to keep track of where your money goes then this one might work well enough for you!

8. Geezeo

Geezeo is a free personal finance software that you can use on any device with Windows 10. It’s cloud-based and allows you to view your account balances, track expenses, and manage investments in one place.

You can connect Geezeo with your bank accounts to automatically import account data so you don’t have to manually enter it yourself. Users can also create budgets and monitor spending habits using the software’s dashboard view.

If you need more advanced features like asset allocation or portfolio management, Geezeo may not be for you. But if all you need is basic budgeting tools for managing money, this free program will get the job done nicely.

9. BankTree Personal Finance Software

BankTree Personal Finance Software

BankTree is one of the most popular personal finance applications available today, and it’s completely free. It works with multiple currencies, automatically categorizes transactions, syncs with bank accounts and can be used on multiple devices. The app also supports multiple platforms (Windows 10/8/7/Vista), operating systems (Windows 8/7) and browsers (Chrome).

10. iCompta 6

iCompta 6 is another free personal finance software that is available for Windows, Mac and Linux. It offers the basic features of a good personal finance software such as tracking your expenses and incomes, allowing you to create budgets, and organizing bank accounts and credit cards in one place.

iCompta 6 allows you to import data from other applications so that you don’t have to enter everything manually into the program. This feature is quite rare among many other programs but if your existing software or spreadsheet supports CSV exports then you can use this feature of iCompta 6 to import it into your system without any issues at all.

11. Mvelopes 

Mvelopes is a personal finance software that uses “digital envelopes” to manage your budget and current cash flow.

The platform works in a few steps where you choose the financial goals that are most important to you, then add your bank accounts and set your income. 

Mvelopes help gain control over finances and help you recover income from hidden spending. Gives you insights into all of your accounts and transactions and helps to eliminate existing debt and increase savings.

They have a 30-day free trial and three paid tiers with different features pending your needs.

12. You Need A Budget

Probably one of the most popular budgeting software out there is You Need A Budget (YNAB). 

The goal of this software is to help you improve your financial literacy and master your own monthly budget.

Here’s how YNAB works.

The software provides you with tutorials that will help you tackle some of the tougher financial topics with your finances and budget.

It also automatically links to your bank account, integrating your spending information for analysis and budgeting tracking. 

Now you can keep tabs on how well you are doing on your monthly budget and can take action if you’re overspending. 

YNAB offers a 34-day free trial that allows you to use the software. The full software is $11.99 per month or $84 annual if you pay upfront, which saves you some money. 

There are plenty of great options out there that offer a full personal finance suite in one place, but if you’re looking for a more minimalistic approach, these standalone apps take the cake.

Whether you’re a Windows 10 user or prefer the desktop interface of macOS, there are plenty of great options out there that offer a full personal finance suite in one place, but if you’re looking for a more minimalistic approach, these standalone apps take the cake.

If you love spreadsheets and statistics (and who doesn’t?), Mint will become your best friend after just one month with their service. It’s packed with features ranging from budgeting and goal tracking to helping find financial advisors based on your needs and wants without having to leave the app at all—even to pay bills! The only downside is that it can be overwhelming; if this is your first time using something like this then Mint might not be the best choice as it takes some time to get used to.

Mint is an excellent program filled with features that help keep track of spending habits while offering advice on potential purchases or ways to save money through credit cards or loans based on user information available when signing up (yes – they do ask for very specific information). While many users state they would prefer it if this option were removed due to their security concerns; however in my opinion – this feature actually makes me trust them more knowing they aren’t trying to sell anything else other than information about how much money I’m spending each month… which brings me back around full circle 🙂


If you are looking for the best free personal finance software for Windows 10, we have made a list of some of the top personal finance software solutions. Unlike most paid personal budget programs and other commercial software packages, these programs are completely free to use and offer many great features to help you stay on top of your finances.

The best personal finance software for windows 10 is a necessary tool for those who want to manage their finances or want to be able to see how much money they spend on food. There are many different options that you can choose from, and these are the most effective ways of sorting through the clutter.

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