InterServer Web Hosting and VPS
Free Budget Software for Windows 10

Free Budget Software for Windows 10

Are you looking free budget software for Windows 10? In this article we will share the best free budget software you can use on your pc, laptop or computer and related topics which include Best Budget Software for Windows 10, Free Personal Finance Software, and Free Budgeting Software for Small Business. First of all, let me start by telling you that there are new types of software apps and programs being developed every day. This is truly a groundbreaking time as technology continues to reshape the Internet and everything else imaginable.

Free Budget Software for Windows 10

Money Manager EX

One of the greatest budgeting programs for Windows is Money Manager EX. It accepts a variety of currencies so you can select the one you prefer. You can add various account kinds in accordance with the types that are defined, including cash, checking, credit cards, loans, term loans, investments, assets, and shares.

You can use it to build a database to store data on new accounts. Additionally, you can define whether an account is open or closed. You can provide the complete starting account balance when adding account details. Additionally, it handles all transaction information, including deposits, transfers, and withdrawals, so you can monitor your spending.

You can create annual/monthly budgets in terms of the calendar year or the financial year to control your spending and keep track of your expenses. After creating a budget for the year or the month, it divides your expenses into other categories, such as transportation, bills, payments, food, presents, insurance, recreation, and other costs. Consequently, categorizing them makes it easier to manage your monthly or yearly budget.


Another free budgeting program for Windows is GnuCash. This program can be used to manage personal or business budgets. It supports several currencies, including USD, NZD, EUR, INR, and others, allowing you to set up all of your account information in your preferred currency. You can handle different account kinds, including bank accounts, cash accounts, liabilities accounts, and assets accounts, during the account configuration process.

There are numerous menus in it. The “Budget” option is readily accessible when you open the “Actions” menu. You can now build a database of your assets, liabilities, income, and regular expenses. This makes it a useful tool for keeping track of your personal finances. It keeps track of your assets, such as investments, obligations, such as loans, and other types of income and expenses.


Another free budgeting program for Windows is jGnash. On a daily, weekly, biweekly, quarterly, monthly, or yearly basis, it aids in budget management. Budgets can also be divided into one of the following account groups: income, expense, assets, or liabilities. It details all of your out-of-pocket spending for things like your car, phone and cell phone bills, food, and other things. The budgeted, actual, and remaining amounts for each of these expenses are all shown in the same list. It can manage several accounts and help people manage their finances. You can export budget information in the XLS or XLSX format to a spreadsheet to create a backup of these specifics.

Watch My Budget LITE

Another free budget management program for Windows is called Watch My Budget LITE. You may simply monitor your yearly, monthly, or weekly budget using this app. This software primarily assists in classifying your budget into the two areas of income and expenses. It also includes numerous more categories, such as lodging, household, personal, transportation, giving, etc., to make it simple to organize your costs. All of these areas are customizable based on your daily costs. As you enter your income, budget period, and expenses, a graph of your budget will be generated and displayed automatically.


A free home budgeting program is MoneyWiz. You may manage your monthly personal budgets and mortgage using this no-cost tool. Because of the interface’s resemblance to Excel sheets, it is recognizable and simple to use.

You can enter data into a variety of settings to utilize this software to check the details of your budget investments. You can set aside money for your daily expenses such as housing, transportation, healthcare, charitable giving, and other expenses. Then, you can add actual investment information for all of these costs. This software will now calculate the discrepancy between the specified budget and the actual expense automatically. As a result, you can quickly monitor your monthly budget’s investment.


Another free personal budgeting tool is MoneyMe. It is among the list’s easiest pieces of software to use.

You may easily access the “Add Account” option as soon as this software is opened. It can manage numerous accounts. After adding an account successfully, you must click the “Administration” menu to find the “Add Budget” option. Here, you can provide the name of the budget holder and the budget period, which can be weekly, monthly, quarterly, biannually, etc. You can categorize all of your costs into different groups, such as those for food, entertainment, your home, your phone, etc. It also allows you to set the initial amount (in dollars). Once these settings are complete, all you need to do is input your daily spending into the program.

Accounts & Budget

Another free program for managing budgets is Accounts & Budget. You must first select an account from the list of available accounts, which includes bank accounts, savings accounts, and investment accounts, in order to utilize this software for managing your budget. You can access a sheet to enter different information about income, investments, and outgoing costs like auto and home insurance, taxes, and other expenses after setting up the year to plan the budget. Additionally, you can enter budget transfer information. For all of the aforementioned possibilities, it allows you to forecast, establish rules, and specify error margins. As a result, it is useful for compiling a database of your spending and budget.


Another program that may be used to manage a personal budget is Buddi. Its interface has three menus: My Accounts, My Budget, and My Reports.

It goes without saying that you must first add an account in order to control its budget. As a result, include an account and its beginning balance. Following that, you can choose the type of account from cash, savings, investments, liabilities, credit cards, loans, etc.

You can enter the amount of money from various sources for a specific month as soon as you visit the “My Budget” tab. These sources of income are divided into three groups: bonuses, investment income, and salaries. Additionally, you can include a list of all of your monthly spending for items like entertainment, auto, utilities, and other bills. Now, the software will analyze entered data to automatically determine net income per month.

The budget period can also be adjusted to be weekly, monthly, yearly, semi-monthly, etc. You can export more data in Buddi Live format and create a variety of reports for your earnings and expenses with ease. You can encrypt the new file with a password if you save it in the local folder on your computer.

Best Budget Software for Windows 10


One of the most widely used Windows financial software programs is Quicken. It enables you to control a number of operations, including budget creation and debt management. The financial program can also be used to establish your savings objectives. It can also be a very useful tool for tracking investments.

Quicken allows you to export budget reports as Excel files. By doing extra calculations on the data, this aids. Furthermore, you can schedule bill payments using the finance program. There are methods for keeping track of the exact value of your current assets. There are numerous choices for financial reporting.

The best personal finance program, Quicken, may also be a trustworthy corporate tool. Using the finance app, you can even manage property management tasks. Additionally, Quicken is accessible on iOS and Android devices. You may do this to manage your finances while on the road on both desktop and mobile.

Key Features:

  • Pricing starts at $34.99
  • View balances, budgets, accounts, and transactions at one place
  • Supports direct bill payments
  • Numerous financial reporting tools
  • Check investment performance


A free spending monitoring and budgeting tool is Mint. On the web-based platform, making different budgets is simple. Taking into account your spending, this provides you with the best money management advice. On the Mint website, you can also access a credit score checker.

Using Mint, you can examine all the pertinent bank and credit card data in one location. This makes it easier to evaluate your spending and identify areas for cost-cutting. The app allows you to set up alerts for bill payment due dates. You can even keep an eye on low balances to be more accountable.

Budget categorization is also supported by Mint. This makes it easier to get up-to-date information on your spending. A particularly flexible software platform is Mint. Even businesses may track their accounts easily with its aid. It’s also compatible with iOS and Android devices. For Mac users, Mint QuickView is the exclusive app.

Key Features:

  • No subscription required
  • Best personal finance software for beginners
  • Reliable expense tracking functions
  • Allows viewing banking and credit card information on a single dashboard
  • Alerts for bill payments and low balances


The greatest financial app for effectively managing your monthly budget may be YNAB. Additional tutorials in the app might help you become more financially literate. By doing so, you can take on difficult financial domains with ease. It’s a terrific technique to assess your spending patterns and establish better money management guidelines.

To check your expenditure data, you can connect the app to your bank account. This makes it possible for you to keep better track of your spending. It even aids in determining whether you are overpaying. However, YNAB does not offer an investment tracking feature. However, it can be a very useful tool for managing personal finances.

You can also use YNAB to plan ahead for significant costs in the future. You may handle the matter in this way without ruining your budget. With better financial management abilities, you can also be prepared for the unexpected. A 34-day free trial is available to test out YNAB’s features. Additionally, it offers students a 12-month free trial.

Key Features:

  • Pricing starts at $11.99 per month
  • Free trial available
  • Robust expense tracking
  • Best budgeting software for students and learners
  • Easy bank account syncing


The greatest personal finance program for Windows users is GnuCash. Additionally, it works with Linux and Mac. It is incredibly simple to use and has a free license for accounting software. However, it has a lot of strong qualities. Using the app, you may manage your bank accounts, stocks, earnings, expenses, and more.

GnuCash can be used most effectively as a checkbook register. The professional double-entry accounting principles are the foundation of the Windows financial software application. Thus, accurate reporting and balanced books are guaranteed. You may check your financial statistics using a variety of reports. Additionally, GnuCash offers numerous effective accounting solutions for small enterprises.

With GnuCash, you can handle clients and suppliers, invoices and bill payments, and much more. You can manage your employees’ paychecks with it as well. There is also an Android companion app for it. This makes it an excellent tool for on-the-go spending tracking.

Key Features:

  • Free to use
  • Best budgeting software with double-entry accounting
  • Small business accounting tools
  • Checkbook-style accounts register
  • Accurate reporting and balanced books


A straightforward envelope budgeting application is Mvelopes. It enables more effective money management and budget adherence. Your budget might be divided into multiple envelopes for various types of expenses. This will enable you to keep track of your spending and reduce prices if necessary.

Your bank accounts can be quickly linked to Mvelopes. This makes it easier for you to rapidly establish an envelope budget online. The software also gives you access to interactive reports. The three available plans are Basic, Plus, and Complete. You can begin managing your money with the Basic plan. You can choose Plus or Complete if you want more useful features. Mvelopes Personal Finance Trainer and Mvelopes Learning Center are accessible to you through it.

A 30-day free trial is offered with each Mvelopes subscription level. So that you can review the features offered before committing to a specific package. In any case, Mvelopes will make it simple for you to reach your financial objectives. Auto transaction importing and account balance monitoring also keep you informed.

Key Features:

  • Pricing starts at $6 per month
  • 30-day free trial available
  • Automatic transaction syncing
  • Access to Personal Finance Trainer and Learning Center
  • Interactive reports


One of the greatest budgeting programs for filing taxes is TurboTax. It is incredibly user-friendly and provides powerful capabilities to support proper tax return filing. You may quickly upload a picture of your W-2 or integrate its data into the app. Your tax information will be entered into the form as a result.

More than 350 tax credits and deductions are investigated by the software. This aids in locating all tax benefits for which you are eligible. You can then file a tax return and receive the biggest refund possible. Additionally, TurboTax provides a free version. It may be the best option for filing your straightforward federal and state tax taxes. Your personal data will be stored by the software for later use.

There are numerous paid subscription options for TurboTax. They are made for all investment tiers and asset classes. The app also allows you to automatically import transactions. This facilitates accurate reporting of investment income. A CPA or Enrolled Agent might be contacted as well if you want to receive specialized financial guidance.

Key Features:

  • Pricing starts at $60
  • Free edition available
  • Best personal finance software for tax preparation
  • Easy to find tax deductions and credits
  • Step-by-step guidance for filing your tax return


BlackRock’s FutureAdvisor is a reasonably priced Windows financial program. DIY investors who want to diversify their portfolio are best suited for it. To register for the finance app, you must have at least $5,000 in investable assets.

For a set annual fee, you can utilize FutureAdvisor to manage your investments. Typically, this is set at 0.5% of the managed assets annually. You can get algorithmic investing advisory services from FutureAdvisor. The transferred assets are consolidated into Fidelity and TD Ameritrade accounts. For simple management, you can select any of those options when setting up your account. Direct fund deposits are also a possibility.

When you open an account with FutureAdvisor, three different investing goals are available. This covers investment generally, significant purchases, and retirement. You can select one based on your financial requirements. Your bank accounts can be connected to the software as well. You will receive suggestions based on your goals and portfolio as a result.

Key Features:

  • Fixed fee for managing assets
  • Integration with Fidelity and TD Ameritrade
  • Best finance app for DIY investors
  • Different types of investment goals
  • Personalized recommendations for better asset management

Personal Capital

A comprehensive personal finance software tool is called Personal Capital. You may use a single dashboard to handle all of your financial accounts. Your bank accounts, credit cards, mortgage accounts, and other accounts can all be linked to the app. You get a thorough view of your financial situation through this.

Personal Capital also allows you to link several accounts. It saves you the trouble of having to constantly flip between displays to monitor your spending. On the app, you may also get tailored financial guidance for your financial objectives. To do that, though, you’ll need a portfolio worth at least $100,000. Additionally, there will be a fee for financial counselors’ services.

You can create and manage your budget while on the road with Personal Capital. Additionally, it makes it simple for you to keep track of your investing and retirement goals. You also acquire in-depth knowledge to develop a tailored, tax-efficient financial strategy. Mobile devices running iOS and Android can access Personal Capital. Additionally, Apple Watch integration is supported.

Key Features:

  • Annual management fee starts at 0.89% of the funds
  • Best personal finance software for a complete view of financial accounts
  • Easy to create a tax-optimized financial plan
  • Great retirement planner tools
  • Compatible with Mac, Windows, Android, and iOS


The finest budgeting program with Google Sheets connection is Tiller. You can access all of your financial accounts in one location thanks to the innovative finance software. Your credit cards, loan accounts, investment portfolios, and more can all be readily linked.

Your financial data is extracted and transferred to a Google Sheet. This makes it simple for you to perform calculations as needed. Even better, you may access the data offline by downloading it as Excel files. Additionally, there are possibilities for selecting several templates to organize your data. By doing so, you can quickly adapt the spreadsheet to your needs.

Additionally, Tiller emails you each day with a summary of your most recent transactions. Your account balances are also included in it. This makes it a versatile method for managing your finances while on the go. Users can also access free weekly webinars with it. It can be a fantastic approach to discover how to make a budget and keep tabs on your money. The software also includes 256-bit AES bank-grade security.

Key Features:

  • Pricing starts at $4.92 per month
  • 30-day free trial available
  • Best Windows finance software for beginners
  • Google Sheets integration
  • Lots of customization options


A straightforward desktop money management program is called Moneydance. It is mostly intended for Mac users. But it also functions on Windows and Linux PCs. With the app, you may manage several currencies as well. This makes it perfect for easily handling just about any financial task.

Moneydance’s single-window interface makes it incredibly simple to use. It provides you with a complete picture of your money, bills, costs, and more. Additionally, the finance program comes with a lot of useful functions. This involves budgeting, paying bills online, managing investments, and other things. Moneydance has excellent reporting capabilities as well.

Additionally, Moneydance has the ability to automatically download transactions from linked accounts. The app also allows you to send payments online. For simple bill settlement, it supports hundreds of financial institutions. The banking app’s account registration feature stands out in particular. It makes it simple for you to add, alter, and delete transactions from an account. However, the calculations are carried out automatically.

Key Features:

  • Pricing starts at $49.99
  • Free trial version available with limited features
  • Wide compatibility
  • 360-degree view of all financial accounts
  • Can be used to manage multiple currencies

Factors to Consider When Choosing the Best Personal Finance Software

All types of consumers can benefit from the best budgeting software. You can effortlessly manage your finances using a budgeting app, regardless of your career. You can find several tools in a finance app to help you, from saving money to wise investing. But sometimes it can be difficult to make a decision. To make a wise choice, you need take into account the following factors.

The Finance Category

Know exactly which area of personal finance you need assistance with. Numerous Windows finance apps provide tools suited to various requirements. For example, YNAB or Mint may be the best tools for budgeting assistance. On the other hand, those who require assistance with investing should choose Quicken or Personal Capital. The greatest personal finance software for submitting tax returns will also be TurboTax.

The Level of Assistance

Choose how much support you require from the best budgeting software on a personal level. There’s a chance that free finance applications won’t provide financial advisor services. At the same time, some can charge extra for these services. Therefore, pay close attention to your financial talents. By doing so, you can decide whether managing your requirements requires greater insight. The finest financial app for services from financial advisors may be Mvelopes. For any advice you may require, TurboTax can also put you in touch with professionals.

The Cost

Finance software costs vary widely, and this might have a significant impact on your choice. If you have a tight budget, you can choose for a free finance management tool. In these circumstances, Moneydance and FutureAdvisor may be the finest budgeting tools. A paid edition, however, will have a lot of sophisticated features. A free trial is also available for some of the top personal finance tools. In this manner, you can preview the features prior to signing up.

When choosing Windows finance software, there may be many additional aspects to take into account. This might include cross-device interoperability, extra features, usability, and other things. Therefore, it is preferable to first thoroughly evaluate your needs before sorting the list of the top budgeting programs. In any case, the aforementioned programs are the greatest ones for users of all user types.

Free Personal Finance Software

budgeting software

Managing your money successfully includes keeping a close eye on your expenses. One way to do that is to take advantage of free software and services. Free personal finance software can be surprisingly robust, helping you track spending, create and manage budgets, and run reports.


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 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 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.

Free Budgeting Software for Small Business

This image has an empty alt attribute; its file name is image-99.png


This is an exceptional accounting software for home use. It has been designed for budget creation based on ones’ specific goals. In addition, it’s highly flexible which makes it suitable when emergencies strike. Moreover, it synchronizes ones’ bank accounts and gives accurate and real-time financial details. Importantly, it generates graphs including charts automatically. That said, keeping track of your financial progress is completely hassle free.

Specifically, it’s a budgeting tool, and it does not perform functions such as investment and taxation.


  • This accounting software is easy to operate at home.
  • The customer care services responsiveness is commendable.
  • The user interface of this software is great.
  • It offers a variety of features, all in one package


  • It might not be of high relevance to someone who does not have some accounting skills.
  • Requires internet connections which is not readily available in some areas.
  • Contains a lot of ads which are sometimes irritating.


KeepSoft is accounting software for home used to assess personal finances, manage debts as well as track expenses or income. Thus, it’s expressly essential for planning forthcoming expenses. Moreover, you really do not need to be a computer guru to use it. Its interface’s simple to use.

The software comes full with helpful features. For instance:

  • Calculator: For calculating the money entered.
  • Labeled graphs: Displaying the amount of money saved and used.

Users can create password to protect their sensitive details.


  • It’s easy to use and operate.
  • Has a mobile application which makes it relevant even to those who do not have access to a computer device.
  • Has a great user interface.
  • The customer care of this software is very responsive.


  • Does not support format of many financial applications, for example Microsoft Money. It supports HTML, Excel, MS Access, Lotus and XML, though.
  • No latest versions
  • The pricing structure isn’t listed making it hard to know if it meets the budget needs.


This home based accounting software has been designed in such a way that it helps the users to easily track their bills. Through this accounting software, one can set up automatic bills payment from within. Additionally, it is straightforward to create budget. Besides that, it provides budgeting and cash management suggestions.

Better yet, the software is entirely free. In case you’re using the Mint mobile application; you get credit score free of charge.


  • It has a great user interface which allows easy navigation.
  • It is easy to operate.
  • The cost of acquiring this home-based accounting software is relatively low.
  • It has a range of feature hence very convenient.


  • Cannot perform complex calculations.
  • Lacks some features to perform other home accounting related functions.
  • Contains ads or links which can be very irritating and annoying at times.


As its name suggests, wave have taken the accounting field with a storm since 2010. Of late, it has more than 2.5 million users and the number is increasing incredibly fast. It has been raked by many agencies as exceptional free home accounting software.

The reason the software is ‘exploding’ is that it’s totally free. In addition, it offers classy invoicing tools for expense tracking, contact management and estimates. What’s more, the tools are vital for billing and sales tax settings. The latest iPhone including Android apps were launched recently and the software upgrades are done regularly to address the specific needs of the users.


  • Excellent customer support
  • Loaded with numerous useful features
  • Very simple to use
  • Accrual accounting
  • Frees
  • Stunningly beautiful invoice templates


  • Tax support’s unavailable
  • Not ideal for big businesses


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.

Zoho Books

Any Zoho product is a quality one, and you can depend on the company’s productivity suite to streamline your operations. Because Zoho Books, its accounting software, is also of the highest caliber, it earned a high rating on our list.

Why is Zoho Books among the best accounting software in our opinion? This is due to the excellent value this award-winning solution provides. It makes it simple to generate and track retainer invoices, automate bank feeds with ease, and send payment reminders automatically. The technology stands out because it interacts with Stripe and makes payment reconciliation straightforward.


Free Budget Software is a great way to save on your costs while still having the best software possible. By choosing the right software and configuring it for the best performance, you can save money and enjoy the best features of Windows 10. Additionally, using free budget software can help you save time and money on your overall budget. With careful planning and use, you will be able to reach your goals with little effort.

Similar Posts

Leave a Reply

Your email address will not be published. Required fields are marked *