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Best Free Personal Financial Software

Nowadays, there are hundreds of financial software available in the market. Each of them is designed to help you with your personal financial management. However, this is where it gets complicated as most of this software come with a price tag and often overwhelms new users. In order for you to make a smart choice and decide which product will be more beneficial for you, our expert team has conducted research and found several tools that are not only easy to use but also free!

Best Personal Financial Software is personal finance software that helps you organize all your accounts and finances in a single place. It also allows you to track spending, manage budgets and so much more, all the while giving you insights on where your money is going if it’s enough, and how much more do you need to earn in order to reach your financial goals.

Free personal finance software can make your life easier and more organized. By using free personal finance software, you will be able to budget your income and expenses for the short and long term and be able to keep track of all expenditures. In this article, we will look at some of the best personal finance software that is completely free. We have hand-picked these programs based on their user-friendly interfaces, security standards and functionality. Many people are not great with personal finance. In fact, most people have a hard time managing their personal finances. Therefore, buying quality financial software can help a person’s bottom line. There are several programs online that are 100% free to use. Let’s take a look at the best free personal finance software on the market in 2018. If you are not comfortable with personal finance software, you may be wondering what programs you should use. It can be a confusing task to begin but these are the best free financial software for your needs.

Personal financial software is an extremely important aspect of keeping your finances in-line. In the past you may have had difficulty managing your personal finances and keeping track of every transaction that happens on a day-to-day basis. Rarely will people do this in a proper fashion or at least not do it very well. Money is life. It gives you choices, freedom and flexibility. It opens doors. But in order to manage your money well, you need a good system and an organized way of managing it. If you have been searching for financial software, you have probably found out that there are only a few free ones available and most of them are not very good or don’t offer the best features such as budgeting, investments and taxes. This is why in this article we will be looking at the best personal finance software all of which are 100% safe, secure and free to use! The best personal finance software to manage your money. Our favorite free financial software provides great features and is easy to use. Find the best personal finance software that works with the level of your expertise and available resources.

Best Personal Finance Software of 2022

These are the best personal finance software of 2022. For each one, you’ll get an overview of the software as well as unique pros and cons.

Microsoft Money

Microsoft Money is a personal finance management tool that helps you track your spending, plan for the future, and take control of your finances. Create a budget and track expenses with ease by linking accounts from your financial institutions to Microsoft Money.

Manage all aspects of your money—from credit cards to investments—with an easy-to-use interface that allows you to customize views based on what matters most to you. You can even create reports showing how much money was spent at each store where you shopped using the built-in scanner or camera capture feature!


Mint is a free personal finance software that can help you manage your money. Mint can help you track your spending, set budgets and manage your investments. It’s also great at helping users set financial goals and track their progress towards those goals.

Quicken Starter Edition

One of the most popular personal finance software programs is Quicken Starter Edition. It’s a good option for those who want to manage their finances on their own and want an easy way to track their spending and income.

Quicken Starter Edition is a free personal finance software that helps you keep track of your money and spending. You can use it to view all of your accounts in one place, see how much money you have at any given time, create budgets, set goals for saving more or paying down debts faster, plan for retirement or vacations with its net worth calculator feature and more.

You Need a Budget (YNAB)

YNAB is a free personal finance software for Windows, Mac and Linux that helps you track your income and expenses. If you want to get out of debt, YNAB could be the right fit for you.

It’s designed around the idea that money doesn’t just fall into your lap—it’s a resource that must be managed carefully in order to achieve the desired results. When you think about this way of managing money, it’s easier to make decisions about spending and saving. This can help prevent financial problems from getting out of hand before they’re noticeable enough to fix—and keep them from interrupting other parts of your life (like saving up for retirement).


HomeBank is free personal accounting software that can be used to keep track of your finances. It’s available for Windows, Linux, Mac, and Android. It’s written in Python and is open source so anyone can access the code or contribute to its development.

HomeBank has some great features for people who want to keep track of their finances. First off, it can handle both budgets and invoices; it even has an organizational function that lets you separate your accounts into categories like “Bills” or “Assets.” That makes it easy for users who want to see what they have coming in on a monthly basis instead of just checking out their balance at any given time—or vice versa!

Additionally, Homebank makes it possible for you to add multiple accounts so there isn’t any confusion about which ones apply where; this feature also helps ensure accuracy when reconciling statements from various institutions since all transactions are stored together in one place rather than being split up among different locations (like credit cards versus checking account).


AceMoney is a personal finance manager that helps you track bank accounts, investments, and other financial information. It can import transactions from your bank and credit card accounts, and you can categorize them by type.

AceMoney also offers online bill payment services through its MoneyCenter add-on product, which allows users to pay bills electronically via their computer or mobile device.


GnuCash is a free, open-source personal finance software. It is compatible with Linux, Mac and Windows.

GnuCash comes in multiple languages including English, Spanish and Polish.


FutureAdvisor is a Robo-advisor that also provides you with retirement analysis. The tool allows you to link your accounts and receive custom recommendations based on your portfolio and long-term goals.

The paid offering requires a balance of $5000 or more. With it, you’ll receive comprehensive investment management in the form of tax-loss harvesting, automatic rebalancing, and access to a team of financial advisors.


  • Partnerships with popular online brokers – To use FutureAdvisor’s premium offering, you must hold an account with TD Ameritrade or Fidelity. If you already use one of these brokers, there’s no need to switch, and you can seamlessly integrate it into the program.
  • Comprehensive free tools – FutureAdvisor offers one of the best free personal portfolio analysis services in the industry today. You’ll get investment recommendations and notifications to let you know when you should rebalance your portfolio.


  • Management fee – To use their premium offering, you need to give up 0.5% of your total portfolio value in management fees. Compared to other paid personal finance services, this cost can be pretty high.


Founded recently in 2020, ChroniFI is a personal finance application/dashboard that gives users control over their time and money. The founder Ben Miller realized that the accurate measure of wealth is not money but rather time. To that end, the ChroniFI dashboard lets users quickly see how many years of FI (financial independence) they have right now and also how many more years it will take for them to reach true financial freedom.

To use the dashboard, enter your current financial situation and update snapshots twice a month, and you’ll receive a clear outlook of your net worth, where things stand currently, and where things are going. ChroniFI costs $9.99/month, but you can get a 30-day free trial if you sign up now.


  • Secure – Unlike various other online personal finance management software, ChroniFI does not require you to link your bank account information with their system. You can rest assured knowing that there won’t be any potential security breach to your accounts.
  • Simple – ChroniFI’s dashboard is highly intuitive and easy to understand. From it, you can see your total net worth, as well as graphs that forecasts your ChroniFI number. This information allows you to quickly gain various personal finance applications that you can put into effect immediately.
  • Cheap – At $9.99/month, ChroniFI is relatively inexpensive compared to alternative services. Plus, you get a 30-day free trial to test out the software without committing to anything.


  • Manual information entering – Though you won’t give anyone access to your financial accounts, the lack of linking to bank information also means that you must manually input information twice a month to get the most out of ChroniFI.


Banktivity is a personal finance software that helps you manage your money. It’s available for Windows, Mac and iOS devices. This software has a free entry-level version so you can try it out before deciding whether or not to pay for the full subscription.

Banktivity allows users to:

  • Track expenses quickly and easily with the automatic categorization of transactions
  • Set budgets and track goals through easy-to-use charts, graphs and reports

The best personal finance software offers a range of features that can help you manage your money.

  • The best personal finance software offers a range of features that can help you manage your money.
  • Free personal finance software is a great choice if you’re looking for an easy-to-use program that costs nothing to download and use.
  • Open-source personal finance software is ideal for those who want to customize their experience and see exactly what’s happening under the hood.

There are plenty of options out there, but these are our favorites:


If you are looking for the best free personal finance software then you have come to the right place. All top-rated personal finance software are listed here and rated based on the feature sets, price, usability and more. Find out what other users have to say regarding the specific product before making a decision. Choose the best program that suits your need and taste.  It is clear that there are many aspects to consider when choosing the best free personal finance software for your needs. Using the information above, we believe that you can find the software that perfectly suits your needs. It may be a great option to start with a free online personal finance software to see how it works and then switch to a paid version if needed.

The best free personal finance software is something that every individual needs to plan their finances and help them save money for the future. A small amount of planning can make huge differences in your long-term future savings. These are the top personal finance software that you can find on the internet to manage your money in a better way. Personal finance software is a vital tool for controlling and understanding your finances. Keeping track of your income, expenses, and investments can be difficult even with the help of an expensive financial planning firm. For most people, it is still pretty much impossible. Personal finance software helps to take the guesswork out of all that and will help you see what you are doing with your money, where it is going, and how to make adjustments to your spending or saving if needed. The following are the benefits of using good personal finance software, as well as low-cost alternatives that may be right for you.

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