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Offline Personal Accounting Software Free Download

Do you need a fast and simple accounting software free download? Are you frustrated because your business is going through tough times and you can’t figure out how to be more efficient with your time and money? A lot of small businesses face this problem, but there are some easy ways to overcome them.

Have you ever wondered about free accounting software? Are you tired of expensive accounting programs that give you bloated features and rough-looking interfaces? If so, then you should consider downloading offline accounting software. This is a small business accounting program, as well as personal bookkeeping software, designed to work offline without the need for an Internet connection.


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.

Quicken Deluxe

$46.79 Per Year 

Quicken Deluxe includes more personal finance management tools than any competitor, but it’s relatively expensive and many features aren’t available in the mobile apps. Still, no one does personal finance more comprehensively.


  • Robust set of personal finance, planning, and investment tools
  • Mobile and web companion apps
  • Flexible transaction tracking
  • Useful reports and graphs
  • Excellent support options


  • Expensive
  • Inconsistent user experience
  • Electronic bill pay through biller websites not available

Zoho Books

Simple, easy-to-use business accounting system to help you manage your accounts online. You can download 14 days free trial of Zoho books. Zoho Books is an easy-to-use, online accounting software for small businesses to manage their finances and stay on top of their cash flow.


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.

Credit Karma

Credit Karma offers credit scores and reports, and it does a great job of helping you understand your credit and your credit options. You may find the product offers it delivers distracting, however.


  • Free
  • Excellent user experience
  • Explains rationale for credit scores and reports
  • Suggests solutions for problem areas
  • New, no-fee checking account
  • Great mobile apps


  • Distracting financial product recommendations
  • Doesn’t let you import transactions

AceMoney Lite

AceMoney Lite bills itself as the best Microsoft Money or 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.


TallyPrime is one of the leading business management solutions in the world, known for its accounting, stock control, reporting and payroll features. With TallyPrime, you don’t need to pay extra for additional features, which makes it affordable for small and medium businesses. It is used by 2 million businesses worldwide.

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.


Simplifi is a web-based, personal finance app that gives you fast, easy access to your financial accounts, including real-time expense and income balances.


  • Exceptional interface and usability
  • Great dashboard
  • Excellent transaction management
  • Helpful spending plans and watchlists
  • Goal-based savings
  • Good reports
  • Top-notch mobile apps


  • Subscription fee
  • Lacks credit score
  • Relatively simple bill-tracking tool
  • Features not particularly good for self-employed people


budgeting software
Westend61 / Getty Images

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.


$11.99/Month at You Need a Budget

YNAB stands for You Need a Budget, and it’s true: You do. Built on a philosophy of financial responsibility and diligence, this online service teaches you an effective budgeting method to help get your spending on track.


  • Built on an effective budgeting philosophy
  • Flexibility improves chances of success
  • Enhancements geared toward beginners
  • Great mobile apps
  • Multiple bank connection options
  • Voluminous tutorials and educational material
  • Intuitive user experience


  • Takes time and commitment to understand and use effectively
  • Relatively expensive compared with the mostly free competition
  • Doesn’t automatically assign categories to imported transactions

Free Budget Spreadsheets

pearbudget home page

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.

Busy Accounting Software

An integrated bussing accounting and management solution, BUSY is a one-stop solution for your financial and payroll needs. It offers multi-location inventory, multi-currency support, order processing capabilities, and helps you make informed decisions. Moreover, it is best suited for the FMCG, retail, manufacturing, trading, and distribution businesses.

Microsoft Money Sunset Deluxe

woman using MS Money
PeopleImages / Getty Images

After discontinuing Microsoft Money Plus, Microsoft made Money Sunset Deluxe available for free. Microsoft Money Plus Sunset Deluxe replaces earlier versions of the software, but the only support for this software is online-only self-help. 

Also, there are no online-services with this software: no online bill-pay, no data sync, no online quotes, no statement downloads. So be aware of its limitations and lack of future updates if you choose this option.

Microsoft Money Plus Sunset Deluxe is only compatible with older versions of Windows.


When you start a new business, it is inevitable to keep your handwritten records and doing bookkeeping by hand. But it seems so cumbersome and outdated. Different software programs offer quick solutions for this problem and some of the best online accounting software really comes handy when you get into it.

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