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Desktop Personal Budget Software

Personal budget software are designed to help you keep track of and manage your personal finances. They will calculate the amount of money you may spend, based on your bank account limits, credit card limits, etc. and then show you a clear picture of where your money is going during a certain period of time.

Make managing your finances simple, easy and fun with Desktop Personal Budget Software. Personal Finance Software can help you track your income and expenses. The best free personal budget software will help you calculate net worth, keep track of your spending, see how much cash you have on hand, understand your debt and create a net worth statement. PC users today don’t have many options when it comes to using personal budget software. Generally, they are only offered basic options in their computer’s operating system. Some Mac and Linux users enjoy a few more applications designed with personal finance in mind. The charts in these programs may be helpful, but they require a lot of effort to create manually.

In this article, we give you some of the best Personal Budget Software. Though there are several software available in the market that is meant for personal budget tracking and management, this software provides a lot of features to manage your personal budget properly. Like a lot of people, I run my own finances with software. This means my financial goals become more manageable when I have the right tools at my disposal.

A desktop personal budget software is an amazing tool for people who have a lot of data and need to process it in a quick way. I will be the first one to admit that I love creating my own spreadsheets and love playing around with them, but I am also realistic enough to know that most people just want something intuitive and easy to use. In this article, we’ll go over some of the best free budget software options available today.

Personal Finance Software

Personal Finance Software will let you set the goals for the future and provide an in-depth picture of your position. It offers a facility to monitor the bank accounts, credit cards, loans, and investment balances in one platform.

If we compare the online vs desktop personal finance software then the online tools provide more security, there will not be any software installation, and you will get automatic software updates.

1. Mint

Mint is the most popular personal budgeting software and has more features than any other program on this list. It’s free, so there’s no reason not to use it if you want to try out online tools for managing your finances.

Mint allows you to link various bank accounts so that your transactions are automatically updated in real-time. You can set up budgets, goals and reminders for bills as well as notifications when certain events occur (such as when a credit card payment is due).

2. You Need a Budget (YNAB)

You Need a Budget (YNAB) is a budgeting app that helps you achieve financial freedom. It’s designed to make you more aware of your spending and help you save money by making good decisions about how you spend it. YNAB is a subscription service, with yearly plans starting at $5 per month or $50 per year, but it can be canceled at any time without penalty. The free trial lasts 30 days and includes all the features available in the paid version of the software.

YNAB is available for Windows and Mac computers as well as iOS devices via iTunes or Google Play Store respectively and Android devices via Google Play store only.

3. Personal Capital

Personal Capital is another great personal budgeting software. Personal capital is unique in that it provides you with a holistic view of your finances and even includes insights into the investment performance of your portfolio. You can also use it as an investment advisor to help you manage your investments, which is one of the reasons why many people love using this program.

Pros: Personal Capital provides an easy-to-read overview of all aspects of your financial life including bank accounts, retirement accounts and investment accounts (if any). It doesn’t matter what type of account it is or where it’s located either – if there’s money in there then Personal Capital will show you how much money is available for each account.

Cons: The only downside I found with using Personal Capital was that when entering transactions manually into their system they don’t allow users to type in dollar amounts directly but instead require them to select from drop down menus which makes adding transactions take longer than usual unless you’re good at memorizing how many dollars each transaction represents based on its category code (i.e., “Food”).

4. Quicken

Quicken is the most popular personal finance software on the market. It’s available for Windows, Mac and Linux computers as well as Android and iOS devices. It’s also a paid subscription service that costs $24.99 per month or $74.99 per year, with a 30-day free trial if you want to try it out before committing to the service.

Desktop Personal Budget Software: Quicken : :

If you have multiple accounts at different banks, this program will help track them all at once and make sure that they’re all in balance so your money doesn’t go missing anywhere along the way!

5. AceMoney Lite

AceMoney Lite is free personal accounting software and has all the features of AceMoney. It can be downloaded from the internet and is useful for tracking multiple accounts, investments, budgeting, managing bills, tracking cash flow and more. The program offers reports in PDF format or HTML format with charts that can be downloaded.

The software allows users to track expenses against income as well as assets and liabilities (in order to manage their personal finances). It allows users to create budgets based on categories or subcategories which they choose themselves. Users can also generate reports based on specific dates such as “last month” or “this week” in order to make comparisons easier later on when planning future purchases or investments.*

6. GoodBudget

GoodBudget is a budgeting app that helps you track your expenses and stay on budget. It features an easy-to-use interface, so even beginners can get started right away.

GoodBudget is a free app that is available for Windows, Mac, and Android. To get started using it on your desktop computer, download the GoodBudget app from the App Store or Google Play Store (depending on which platform you use). Once the program is installed open up GoodBudget for Desktop by clicking on the icon in your taskbar or start menu area of your computer. The first thing you will see when opening up this program is its main dashboard where all of your budgets are listed out with their actual amount spent compared to what was originally planned or budgeted. This makes it easy to see what needs immediate attention and what has been going well so far this month!

7. Banktivity

Banktivity is a personal finance software for Mac, Windows, iPad and iPhone.

Banktivity is a personal finance software that runs in the cloud on your desktop computer or laptop. It’s also available as an app for Apple mobile devices (iPhone and iPad). The Mac version of Banktivity has been around since 2011; the iOS version came out in 2018; and we’ve just recently released Banktivity 4 for Windows.

8. HomeBank

HomeBank is a free, open-source personal finance software for Linux, Mac OS X and Microsoft Windows. It helps you track your finances in detail, manage your budget and analyze your spending.

HomeBank is not just a simple checkbook register: it handles all main account types (checking, saving/investing and cash), has powerful report generation capabilities both from the data and via third-party applications like GnuCash or Excel; supports multiple currencies; features integrated support for importing data from web sites such as or Quicken Online; can import QIF files directly, with all transactions properly categorized based on their source; supports split transactions; allows scheduled transactions to be generated automatically according to various criteria defined by you (such as every Monday).

9. 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.


  • 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.


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.


  • 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, 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).

There are plenty of programs available for personal budgeting

If you’re looking for a personal budgeting program, there are plenty of options available. You can find free versions or paid versions, and many will run on both Windows and Mac computers. Some programs are made specifically for business owners and freelancers who need to keep track of their company’s finances; others are meant strictly for personal use.

There are also options that specialize in different areas of personal finance: banking, investing, budgeting—the list goes on. These programs vary in their level of complexity as well as the amount they cost (if any).


This software has been designed to meet all your personal budgeting needs. It makes planning and saving money easier, allowing you to set goals and track spending at the same time. The color-coded calendar helps you to see where your money is going, so you can make informed financial decisions accordingly.

If you’re ready to get serious about managing your money and need a budgeting tool that’s simple to use, choose any of the above budget apps. They all have free downloads so you can give them a test run before committing to a purchase, but I think once you do, you will be satisfied with the ease at which these applications help you manage your expenses. Though you may not be looking for a new program, we hope that our review will make you aware of some of the many benefits that come from using desktop personal budget software. It is an invaluable tool for those who need help tracking their spending and income, but it can also serve as an aid for those who want to save money or plan for future events. At the very least, you should be aware of the resources available to you when it comes to managing your finances. Hopefully, this article has helped with just that.

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