Home Budget Software for Windows 10

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Windows 10 Budget software is a great way to budget for your home. These apps help you set up budgets, track expenses, and make decisions about how much money to save every month. It’s the perfect tool for anyone who wants to live in their own little world and save money on their monthly expenses.

We will cover related topics which include Best Personal Finance Software for Mac, Best Personal Finance Software, and Free Personal Finance Software.

Home 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.

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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.

Best Personal Finance Software


Best budgeting app overall

Cost: Free

Mint is one of the most popular budgeting apps and for good reason. It is free to use, something rare among the best budgeting apps, and you get financial budgeting shared by 24 million users. 

The app allows you to create a personalized budget and will then monitor your spending. It studies your spending habits and advises how to increase your savings. It will also check your subscriptions to ensure that you are not paying for services you do not need. With MintSights, you can set goals to reach financial milestones and build a stronger financial foundation. Once you connect your accounts, you can easily navigate between outstanding account balances, your monthly expenses versus spending, and even access your free credit score. Mint is compatible with not just banking accounts, but also your credit cards, loans, and investments. You can even file your IRS taxes and receive your refund through the app’s integrated TurboTax services.

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Whichever version you opt for, there’s a 30 day free trial available, so you can try before you buy to get an idea if BankTree will work for you.

Money Dashboard

The Money Dashboard iOS/Android app doesn’t try to reinvent the banking world or offer anything truly ground-breaking, but it is perhaps one of the most useful money management tools out there. Hook up every one of your UK bank and credit card accounts and you’ll be able to see each of your balances in a single place with a single login. That in itself is enough for us to recommend it.

But there’s more – Money Dashboard will track your spending, offering you an overall pie chart depicting your spending on loans, consumables, transport and the like. There’s an at-a-glance overall balance, showing exactly how much money you have available across all of your accounts, and you can compare this to the previous month’s figure to show how well you’ve been managing your funds. That’s a great motivator.


Made primarily for Mac users (but also out on Windows and Linux), Moneydance is a desktop money management package with a very neat single-window interface. Load it up and you’ll get an instant view of your finances, upcoming bills, recent expenses and more. Click an item in the left hand sidebar and the main content changes to reflect it.

Its reporting features are quite strong if not spectacular to look at, and one of Moneydance’s most useful sections is its account register. If you’re old-school and once managed a cheque book, this operates on a very similar principle. There’s also an iOS app for logging transactions on the go, which later syncs with the software on your desktop.

Unfortunately for UK users, Moneydance doesn’t support the connection protocols used by UK banks, so you’ll need to download your transaction history manually to keep on top of it and revert to your bank’s own app to move money around. US users, however, are well covered.


Best budgeting app with digital envelopes

Cost: There is a free version with ads, or you can upgrade to an ad-free plan for $7 per month or $60 per year.

Goodbudget is a budgeting app that helps you create and stick to a budget. There is available debt tracking to keep you motivated and on track. It also helps with money management so you know exactly where your funds are and how they are performing. You will have to subscribe to Goodbudget, but once you do, you will have wide access to the app through both the web and multiple phones. This means that it is easy to share your account with others, like a spouse or family member. It helps you stay connected financially even if you are physically apart, helping to prevent miscommunications and financial mishaps. All transactions are synced to the cloud so you never have to worry about certain financial transactions going missing. Review pie charts and reports to track your spending, with generated reports to show your finances in greater detail. Digital envelopes help you categorize your finances into available funds with each envelope assigned to certain expenses. It is a visual way to improve your finances through the help of virtual tools. 

Personal Capital

Best budgeting app for investors

Cost: Personal Capital is free to use.

More than 2.8 million people utilize Personal Capital, and it is a portfolio tracker specifically designed to help with your investments, offering a unique digital approach to your personal finance. The app works with several different types of accounts, including your normal banking accounts, as well as investments, stocks, and retirement funds. The exclusive Retirement Planner tool helps you view your 401K, IRAs, and also your debt so you can have a complete, well-rounded portrait of your finances at the click of a button. The Cash Flow graph stacks your income versus your expenses for an overall financial snapshot that is easy to understand, plus there is an Investment Checkup tool that checks your investments, looking for ways to minimize risk while maximizing rewards. The Retirement Planner is an excellent option when you want to create and manage your retirement. You also have the option to join Personal Capital as an investment client so you can receive direct support from its financial advisors. 


Best budgeting app for overspenders

Cost: There are three subscription plans, in addition to a basic plan with limited features for free.

Type of planCost
Lifetime One-Time Purchase$79.99

PocketGuard takes a different approach to budgeting, utilizing smart algorithms to manage and track your spending. It also monitors your bills, helping to ensure that you do not miss a payment and risk falling further into debt. There is a bill tracker and organizer available as soon as you link your bank accounts. Any subscriptions you have will be automatically flagged and built into your monthly budget. With the IN MY POCKET feature, the app will automatically calculate your monthly expenses and then advise you on what is left over to spend. It also can help you negotiate better interest rates on your existing accounts, helping you save those extra dollars. It is easy to identify what disposable income you have to spend when the app does all the calculating and reporting for you. You do not have to pay to use PocketGuard, although you will need to subscribe if you want to access all of the best features.

BankTree is more than happy to support worldwide currencies, and in fact does a solid job if you’re working simultaneously with more than one, offering balances in multiple currencies rather than rounding them off into a single total. It’s also good for keeping track of everything, allowing you to scan receipts with its mobile app and import them later on.

It’s not the prettiest software around, and it’s slightly more awkward to use than many of its more refined cousins, although BankTree does produce very neat reports which you can break down by time, or by payee. It may be worth experimenting with the free trial before you choose to invest in this one.

The desktop software comes with one year of updates and support, though you are restricted to one PC and there is a charge for any additional PC you want to run the software on. There’s also a browser-based version available.

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.

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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.

Best Personal Finance Software for Mac

1. EaseUS RecExperts 

When it comes to the top Mac recording software, EaseUS experts is the best option. This program offers extensive recording options for both the entire screen and a selected area. Using the microphone, external audio devices, or system sound, you can also simultaneously record the screen on a Mac.

Additionally to taking a screenshot of the screen, you may quickly click to record the video or screen and save it as a GIF. Most importantly, you have additional options at your disposal, including the capacity to personalize hotkeys and other features.

2. QuickTime Player

You must be familiar with QuickTime Player, a free Mac video recording application. Videos can be watched, recorded, altered, and shared on a Mac. It is possible to capture the screen and external voice simultaneously.

You may rapidly capture the entire screen or a specific area with a few clicks. With this Mac screencasting tool, you may easily capture online meetings, streaming videos, and other screen-based activities. Most importantly, it is easy for beginners due to its user-friendly layout.

The only limitation is that it cannot record internal audio on Mac.

Key Features:

  • Simple and intuitive user interface
  • Free screen recorder for Mac
  • Offer recording and editing options
  • Allow sharing the recorded videos with your friends

3. macOS Catalina 

MacOS Catalina, often known as macOS 10.15, is one suggested Mac operating system with a built-in screen recorder. It is a versatile tool with lots of functions. With the help of this program, you may quickly handle a complete Mac screen or a specific area. Here are some other characteristics of this tool.

Key Features:

  • Practical screen recording software Mac free
  • Record full screen or a specific region
  • Allow a obvious toolbar to choose the suitable option

4. OBS Studio

Mac users have access to OBS Studio, an open source screen recorder. Simple configuration options make it easy to add other sources or change the parameters.

With our free screen recorder for Mac, you can also choose between an infinite number of scenes with unique transitions. Because it supports live streaming, you may also use it to capture streaming audio.

Key Features:

  • Completely free for all users
  • Allow capturing real-time activities and great live streaming videos
  • Offer intuitive audio mixer with per-source filters
  • Compatible with Windows, macOS, and Linux

5. ScreenFlow

ScreenFlow is another another free Mac screen recorder with audio. This screen capture tool offers you a number of editing choices after recording is finished.

Using ScreenFlow, you can also record microphone or computer sounds. This Mac screen recording program also allows for the programming of keystrokes and mouse movements, which greatly improves the recording’s interest level.

Key Features:

  • A lightweight screen recorder and video editor
  • Export almost all the major formats and directly upload recorded videos to YouTube
  • Enable you to record video and audio simultaneously
  • Mac screen recorder with audio free

6. Screencast-O-Matic

Screencast-O-Matic, a screen recorder and editor for Mac that is easily customized. It is free to create screencast videos with this screen recording software. When the recording is finished, modify the save using the built-in editor. Your recorded video can also have overlays, text, animations, visual effects, and many other things added right away.

Key Features:

  • Available for Windows, macOS, iOS, Android, and Chromebook users
  • Offer basic yet useful video editing tools
  • Add and size the webcam for a picture in picture effect
  • Share the recorded videos to social media platforms like YouTube

7. Snagit

You may record video and take screenshots with the screen recording software Snagit. This screen recorder may record a window, a region, the entire Mac screen, or a scrolling screen. It enables you to easily save your video clip as an MP4 file or animated GIF. You can also fast extract individual frames from the recorded films.

As a screen recorder Mac free, you can use it to remove any unwanted sections from your screen recordings by a trimmer after recording.

Key Features:

  • Allow recording the iOS screen with Snagit
  • Record screen, webcam, audio, and other things on your screen
  • Turn video into an animated GIF and add it to the website

Frequently Asked Questions (FAQs)

What is the best way to track personal finances?

Apps and budgeting software make it easy to categorize your spending so you can see when and where your money is going—at a glance. Knowing these patterns is the first step toward changing your behavior to start saving more.

Is personal finance software safe?

Go with trusted brands, and you can expect the same types of firewalls and encryption that you’d expect from a banking website. It’s often the human who does something risky rather than a flaw in the software.


While it may be difficult to budget for your home in advance, it’s important to do so in order to make informed decisions about what needs to be budgeted for and how much. By setting up an account and using budgeting tools, you can quickly and easily manage your budget for your home. In addition, following these simple tips will help you create a plan that fits within your financial restrictions. By knowing how to budget for your home, you can make smart decisions that will improve the quality of life on your property.

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