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Free Personal Accounting Software for Windows 10

Personal Finance App for Windows 10 is a perfect app for helping you keep better track of your finances. It is available across different platforms like Windows Store, Windows 8/8.1/10, Mac and Android. You can also manage all your personal finances in one place using this highly secure and easy to use software.

In the modern world of business, it is often necessary to keep track of multiple income streams. As a result, personal financial software has evolved significantly over time. This article will provide information on the most secure financial software options available today.

Discover the best personal finance software. Personal finance apps can help you manage your money better and protect yourself from identity theft. Here are the top financial applications for Windows 10 devices, including mobile apps for as well as desktop programs that run on tablets or PCs. We’ve also included a few other software options if you’re looking for a free app or software to download.

Managing a personal finance app for Windows 10 is crucial for everyone. Most of us who are working population are paying bills on time as well as managing investment and saving money. Our financial life can be extremely complex with salaries, tax, retirement savings, kids education funds and whatnot. Managing all these personal finance areas is really important. Financial management can be difficult, especially when it comes to calculating your net worth, savings, budgeting and remembering all those relevant dates and deadlines when you should pay the bills or making deposits in various account.

How to choose the best personal finance software for you

Managing your money is a long-haul commitment, one that’s worth taking an hour or two to get right. Don’t be afraid to take the best personal finance software tools out for a spin. Every product we mention here has a trial version, and we highly recommend that you take advantage of it. 

Think about who you are and what you want. Has history shown that you’re more likely to use something that asks little of you, or one that pulls you so deeply into its intricacies that you forget to eat? With something as real as your financial goals, will gamification appeal, or turn you off because it feels frivolous?

Then take 2-3 tools for a test drive with some real-world scenarios. Think of a few questions you’d really like the answers to, such as:

  • How much do I spend eating out each month? 
  • How long ‘til I pay off my credit cards if I up my monthly payment by $50?
  • How much should we be saving each month to meet our retirement goals? 

You get the idea. Try to get the answers to your questions out of each tool. If you do this, chances are you’ll know which product you’d like to stick with.

You Need a Budget

You Need a Budget (YNAB) is budgeting software that focuses on putting your money to work for you. It allows you to add all your financial accounts to a single dashboard, which you can use to assign different amounts of money to a category at your discretion. This helps you proactively use your money to pay down debt and credit cards, build an emergency fund, or put a portion of your paycheck toward your vacation.The website and app both use a spreadsheet model so you can easily track your expenses and see what you have left over each month. YNAB has a free trial for 34 days, and subscriptions are priced at $11.99 per month or $84 per year.Cost: $11.99 per month or $84 per year

The app is available from both the Windows Phone and Windows 10 Store. It is a financial app that pulls in all your financial accounts under one roof to allow you to manage all your finances without having to bounce from app to app or website to website.

Some of the key features of include:

  • Support to see all your personal accounts such as checking, savings and credit card accounts
  • Support for Start Screen/Menu live updates for your account balances
  • Create and track budgets
  • Track your spending
  • Get bill alerts and bill reminders in the form of email, text alerts and toast notifications on upcoming bills, fees, low balances or unusual activity

You will need to create a account (free) and the app can be pass code protected. Once a account is created, you can authorize access to your various financial accounts and will synchronize all the information between those accounts and your account.

Should you lose your Windows Phone or Windows computer, you can log into your account and de-authorize that device to prevent unauthorized access.

Oddly, you cannot pay bills from the app. There is, however, a Mint Bills service, which uses the same account credentials, available to pay bills from. There is not a Windows or Windows Phone app for Mint Bills.Skip advertAdvertisement

Regardless, if you need to manage or track multiple financial accounts the service is worth looking into. The Windows Phone app helps your monitor your financial resources on the go and the Windows version makes it convenient to view all your account from one location.



Similar to, MoneyPoint is a financial app that is available from the Windows 10 Store (no Windows Phone version). The app helps you maintain your accounts, transactions, schedules, payees and budgets under one roof. You have the ability to record, categorize, reconcile and track all your day to day transactions.


In many respects, MoneyPoint is more like Quicken than in that it doesn’t tap into your individual accounts. Instead, it relies on your input. This has its advantages in that you do not have to have a data connection to use MoneyPoint and all your data is stored locally.


Additional features of MoneyPoint include:

  • Maintain, track and reconcile multiple accounts including bank accounts, credit cards, investments and more
  • Password protection to keep your financial information secure
  • Schedule to remind you of upcoming bills and payments
  • Bulk transaction update
  • Report generator that includes reports for Income/Expense, Cash Flow, Account Performance, 50-Day Projection and more
  • Reports can be exported to Excel
  • Create and manage budgets
  • Tile and Toast notifications
  • Data import support for Excel and CSV files

In just tinkering with MoneyPoint for a very short time, it comes across as a capable Windows app to help you manage your accounts. The ledger-styled account view is simple to navigate around and there is a host of reports available to help you decipher your financial status.

MSN Money

MSN Money

MSN Money started out as one of the many Bing apps (Sports, Travel, Weather, etc.) some time ago and is available from both the Windows Phone and Windows 10 Store. Described as finance simplified, MSN Money shares the simple but effective layout this suite of apps makes work.

MSN Money

Key features of MSN Money include:

  • Track the major financial indexes such as the New York Stock Exchange, NASDAQ, Down Jones, NIKKEI and S&P 500
  • Get stock quotes, charts and detailed company profile to help manage and plot your investments
  • Track your favorite stocks through the Watchlist feature (basically a favorites page)
  • Track more than twenty worldwide markets
  • View currency exchange rates for US Dollar to Euro, US Dollar to Japanese Yen, US Dollar to Canadian Dollar, US Dollar to British Pound and more
  • Track commodity markets for prices on gold, silver, crude oil, natural gas, cotton, sugar, wheat, corn and more
  • Mortgage Calculator to determine your monthly mortgage payments and graph your payment schedule
  • Currency Converter tool
  • Live Tile Support

Along with all the financial data MSN Money delivers to your Windows computer or Windows Phone, you will also receive the latest financial news.

MSN Money

The layout with the Windows version of MSN Money is very similar to the other MSN apps in the Windows 10 Store. You have the navigation bar running down the left side of the screen with the hamburger button in the top left corner that will expand the menu. From here, you can easily navigate between all the pages of the app and access the settings. The Windows Phone version’s layout takes advantage of the panoramic design where you can scroll to the side to access the various pages.

All in all, MSN Money comes across as a solid financial app. You can log into the app with your Microsoft Live ID and the settings/preferences will be synchronized between the Windows Phone and Windows versions.

QR: MSN Money
Spending Tracker

Spending Tracker

Tracking your expenses and income is just as an important aspect of financial management as monitoring your investments, the financial news and your bank account balance. Spending Tracker is an app that hopes to help you chart where your money is going, where it is coming from and maybe help you identify areas of expense cutting savings.

Spending Tracker

The app is available from both the Windows 10 and Windows Phone Store. The base app is free with an option to upgrade to a Pro Version ($3.99).

Key features of Spending Tracker include:

  • Flexible time periods that include weekly, monthly and annual formats
  • Overview of your current spending progress
  • Expense and income entry can be accomplished quickly and easily
  • Budget Mode allows you to set a fixed budget amount
  • Editable spending and income categories
  • Report generator to show you where you money is going

Additionally, if you upgrade to the Pro Version you will be able to repeat transactions daily, weekly or monthly, back up your data via DropBox and export transactions to a CSV file.

Spending Tracker

Spending Tracker offers a clean layout with a hamburger button nestled in the upper left corner to pull up navigational menus. The app has plenty of charts and graphs to visualize your spending habits and entry is straightforward. The Store reviews are positive and in dabbling with Spending Tracker for a short time, it comes across as a financial app worth considering if you need help discovering where your money is going.

Why you need to use personal finance software

There are several reasons why you may want to use financial planning software. If you struggle with creating budgets on your own, for instance, or maybe you simply have too many accounts to manage. It’s possible to have bank accounts, credit union accounts, investment accounts for individual stocks and ETFs, and retirement accounts for 401ks or IRAs, all at once. Does that seem like a lot? It is, but there are many personal finance software options available to help you keep your finances understandable and under control. From personal budgeting software to money management software and expense report creation, there’s a financial planning tool out there to help you reach your money goals.

Which personal finance app is best?

Instead of choosing one app, it is recommended to use more than one app simultaneously so that you can know which one suits you the most. As different apps do different things, it is suggested to go through those aforementioned apps. It depends on the usage and type of things you want to get from the app. However, you can use Money Keeper, which is an all-in-one app.


Most secure personal finance software are applications designed to help you better manage your finances. These programs can help you be more organized, and make it easier to analyze your spending. Use our comprehensive list of the most popular personal finance apps to find the perfect solution for your needs.

The Personal Finance App is the best personal finance app for Windows 10. It has a simple and intuitive interface that shows you all your financial information in one place on your Windows device. Personal Finance App helps you to better manage your spending, check bank balances and stay on top of your money.

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