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Personal Budgeting Software for Mac

Personal Budgeting Software for Mac

Many of us require all the assistance we can get when it comes to managing our finances. Therefore, we searched the Mac App Store for the top free programs to assist you start managing your finances.

We mostly concentrated on apps for personal money, but we also sneaked in a few that I believe can benefit freelancers and small business owners.

Some users will find that the free versions of the programs on this list are sufficient for their needs. Others might use the free version of the software as a trial before investing in the more feature-rich edition.

This guide will cover related topics such as Personal Finance Software for Mac Free, Personal finance software free, and Best Budgeting App.

Personal Budgeting Software for Mac

1. Moneydance

Moneydance is a wonderful place to start if you’re looking for a comprehensive budget tool for the Mac. The software enables you to record thorough transactions and provides a quick overview of all of your accounts. With the most recent improvements, Moneydance now has more features, more mobile compatibility, and is a powerhouse for managing all facets of your budget, including more complicated investments. In order to help you remain on top of your monthly spending, it also connects to your bank accounts and provides free bill payment services. You’ll need the best free antivirus software tools for Mac to protect your data with that type of access to all of your private financial information.


You Need a Budget, a suite of powerful tools that manage to avoid being scary thanks to their friendly interfaces and clever tool management, has quickly developed from a financial management app to one of the strongest financial brands and possibly the best budget app for Mac. The most recent version offers long-term bill planning and collection as well as cloud synchronization capabilities. A young family or someone who wants to completely switch their money management over to a Mac will find it to be the perfect fit. To protect your financial information, you will also require one of the top Mac password management programs.

3. OmniFocus 2

Because it is much more than just a budget software, OmniFocus doesn’t initially appear to be one. This app is for you if you already have a budgeting system in place but would benefit from organization and notification features to help you manage your money a little more efficiently. It excels at producing thorough to-do lists, reminders, shopping lists, and comparable features. Omnifocus 2 is the perfect supplemental software for your financial endeavors, helping you organize everything from the newest home improvement project to making sure your shopping trip is within your monthly budget boundaries. See our list of the top free dating apps for iOS if you prefer to meet people online and through social media.

4. Mint QuickView

The goal of Intuit’s project is to assist people, particularly younger people, in making more responsible financial decisions. It encourages people to build healthy budgets, adhere to competent financial advice, and make wise financial plans for the future. Free Mac app called Mint QuickView brings the entire online experience on your desktop. With the app, you can keep track of all your cash flows and any significant adjustments while receiving alerts for any transactions and account changes. The app also features the familiar, user-friendly graphs from for a quick look at your spending.

5. Personal Capital

If you’re keeping an eye on your money, you might prefer a program that digs a little bit deeper than Mint or YNAB—or, to be honest, a lot deeper. Personal Capital comes into play here. It enables serious investors to focus on managing a sophisticated and complex portfolio with a view on long-term profit and swift, efficient decision-making. One of the best tools available for managing your investment money on your own, it offers a wealth of data and graphics that provide a quick overview of your portfolio’s stocks, bonds, and other holdings.

6. GnuCash

When compared to other Mac-compatible budgeting programs, GnuCash is unique. It is open source, to start. The download is free, and there are many modification options for your unique circumstance, but finding the right plugins and optimizing it will take a lot of your time. GnuCash, however, enables you to find answers for a variety of issues, including transaction matching, investment accounts, comprehensive double-entry accounting for commercial activity, reports and graphs, scheduled future transactions, and much more, inside its framework. Although some apps have simpler and fancier interfaces, this one offers a ton of content in exchange.

7. Evernote

Evernote is primarily recognized as a note-taking and note-sharing tool used for teamwork. Many group budget-related tasks really need this. Evernote is the perfect tool for synchronizing spending decisions between roommates or family members because it is so widely used and simple to use. Do you want to trade shopping lists? Make a reminder about the cost of gas? Keep track of utility bills and debt obligations. All of that and more can be facilitated using Evernote. No matter what other apps you use, its complementing nature makes it one of the top cheap software for Mac solutions.

8. OfficeTime

The majority of these apps have thus far been developed exclusively for personal budgeting tasks. OfficeTime, on the other hand, adds budget tracking features to the business side, especially for employees who must simultaneously track billable hours and project budgets for several projects. For busy freelancers, it’s an excellent software that integrates well with Excel and Numbers. Even if you might require something else for your main budget, OfficeTime is a priceless tool for generating precise numbers for your budget no matter how perplexing things become.

Personal Finance Software for Mac Free

1. Debit & Credit

Being aware of your income and expenses is the first step in good money management, but maintaining financial records may be a pain. I’m beginning my list with not one, but two applications devoted to financial management because of this.

The first, Debit & Credit, is a straightforward, uncluttered Mac application that enables you to track and view all of your revenue and cost sources in one location. Additionally, Debit & Credit offers a mobile version for the iPhone and iPad that enables you to add transactions while on the road and syncs the data with your Mac app via iCloud.

Other great features:

  • Import transactions from your financial institutions
  • Budget and schedule transactions
  • Generate reports that show you where and what you spend your money on
  • Shared your accounts with someone else

2. HomeBudget Lite (w/ Sync)

The second money-management program I’m highlighting here is HomeBudget Lite, and for good reason.

Although this Mac program and the Debit & Credit app both have a number of similar capabilities, such as tracking costs, income, invoices that are past due, and account balances, there are a few distinctive features that set this one apart.

The most crucial aspect is its family sync feature, which enables a collection of devices from the same home to share income and expense data under a single budget.

Other great features:

  • Browse expense entries by month, category, date, etc.
  • Attach photo images of receipts
  • Support for multiple currencies and automatic exchange rate conversion
  • Classify expenses into fixed, variable and discretionary and compute your disposable income

The greatest drawback with the lite version of the HomeBudget software is that users are limited to 20 expense entries and 10 income entries. This may be a deal breaker for users with more complex finances.

3. Stock + 

You may monitor the stock market in general and your stock portfolio in particular using Stock Plus, a terrific research tool.

Update your knowledge of mutual funds, exchange traded funds, commodities, and international stocks from global exchanges.

The app comes with a clear and concise welcome tutorial to familiarise you with its features.

Other great features: 

  • Scrolling menubar ticker tape guarantees that you never miss changes
  • Pause the ticker to keep a handful of stocks in sight at all times 
  • Create comparison graphs with ease
  • Mouse over graphs to see historic data for a specific day or time

4. Unpaid Bills Lite

Unpaid Bills Lite is a simple app that does one thing well. It helps you avoid paying another bill late.

Enter all your upcoming or recurring bills and the app which sits in your dock will remind you when they are about to come due. 

Once you pay a bill and mark it as paid, it will no longer be displayed in the dock. Easy peasy.


5. MoneyWiz 2 Premium

MoneyWiz 2 Premium makes it easy to get a complete picture of your finances by allowing you to organise all your accounts, budgets and bills in one place for quick overview and easy management. 

Other great features:

  • Highly customisable
  • Build custom reports based on what you want to know about your money
  • Supports more than 16,000 banks worldwide
  • Sync multiple devices with cloud based SYNCbits 

User BuildoBen says: 

6. Car Manager 2

A car owner’s fantasy is Car Manager 2. You can enter and organize all financial and non-financial information pertaining to your automobile with this useful software.

The program computes information to produce thorough statistics of your expenditures, including cost per spending category, cost per mile, and cost per day.

Non-financial statistics can be calculated and presented in brief or in full. Examples include the change in miles and average fuel usage.

Other great features:

  • Calculates carbon footprint and the mass of carbon dioxide (CO2) vehicle produces
  • All data—costs, fill-ups, vehicle information—can be exported as a CSV file
  • Application automatically adapts to the units of measurement used per country

User Setulp3 says:

7. GetRate

If you travel a lot, do business in other countries or invest overseas, GetRate is your friend.

This currency exchange calculator features exchange rate forecasts and analytics and supports more than 130 currencies using several data sources.

One of the great features of GetRate is its built-in analytics which will help you learn more about currencies and their interplay with each other.

Other great features:

  • Forecast tools to help you estimate future exchange rates
  • Built-in alarm clock to help you keep informed about sharp currency fluctuations
  • Calculator can operate in offline mode 
  • Country and currency matching system 

8. TimeBalance

A wonderful app for anytime bank account monitoring is TimeBalance. With just one click, the program creates a small indicator that sits in the Mac’s menu bar next to the clock and continuously shows the account balance. It also provides a quick glance at recent transactions.

You may get a brief overview of your account at any moment because balance and transaction data are securely exchanged over encrypted connections and saved locally on the Mac.

Other great features:

  • Easily connect to multiple accounts 
  • Need to log in just once
  • App updates every 10 minutes, or manually when you click it
  • Translate multiple currencies into Euros, Pound Sterling or US Dollars

Personal finance software free


The creators of Quickbooks and TurboTax, Intuit, offer a free online budgeting tool called Mint. This software gathers all of your financial information and provides you with a summary of your spending, bills, budget, and credit score. You may set objectives and reminders, make your own budget, and sync your data between the web and apps. Encryption and multi-factor authentication improve security. To keep track of your money and portfolio, utilize Mint.

Access Mint via the web or phone apps for iOS and Android.


Desktop software called GnuCash has capabilities for keeping track of bank accounts, stocks, earnings, and expenses. You can run a variety of reports in GnuCash to view your financial information, which is based on double-entry accounting for balanced books. Additionally, GnuCash provides small-business accounting capabilities that enable you to manage clients and suppliers, invoice and pay bills, and even manage 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

The top Quicken substitute, according to AceMoney Lite, is Quicken. You can control your spending, track your money in different currencies, monitor your investments, and examine your spending patterns. You can also conduct banking online. You can only have two accounts because this is the light edition; the full version supports infinite accounts.

AceMoney Lite is compatible with Windows and Mac OS X.

Personal Capital

Along with its features for measuring cash flow, expenses, expenditures, budgeting, and net worth, Personal Capital also provides free financial software for managing investments and retirement planning. Personal Capital’s budgeting features aren’t as sophisticated as other software because it focuses on investing, showing you how your portfolio has performed over time and guiding you as you make decisions for the future.

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.


On Windows, Mac, and Linux operating systems, Buddi is an open-source budgeting program that has been multilingualized. Even if you have no prior financial experience, Buddi is designed to be simple to use and can encrypt financial data with a password.

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

You may use some amazing free budget spreadsheet templates with Microsoft Excel, OpenOffice Calc, or Google Sheets if you only need to keep a budget and don’t need personal financial software with a lot of features. To manage your cash flow, simply download and open them in your spreadsheet program.

Best Budgeting App

1. Quicken

Although Quicken’s reputation was founded on a desktop version, it is now accessible to operate as an app on your mobile devices. Quicken is a well-known application for managing personal finances.

A good selection of financial reporting options are provided by Quicken. These are organized around a variety of topics, including budgeting, bills, accounts, and even investing. It gives you the opportunity to input your purchases and income for budgeting so you can compare them both and get a better understanding of how much you are spending in relation to how much you are making.

When it comes to bills, you can also check which utilities and other entities you frequently pay, as well as the remaining funds in your account and the amounts still owing. You can even combine your credit card and bank statements for accounting needs so that you have a very clear sense of how much you’re spending. This is especially useful because people frequently underestimate the financial impact of everyday minor expenditures.

It also gives you the option to track your investments, whether they are a part of your savings, investment portfolio, or 401(k) pension plan. This means that you are aware of the value of your savings and investments, yet it is reasonable to argue that you shouldn’t be alarmed by brief changes in the stock market.

In total, Quicken combines your banking, investment reporting, and budgeting into a single dashboard that you can access from a PC or even a mobile device via the mobile app.


YNAB, short for You Need A Budget, is here in case you need to be instructed exactly what to do. Because, hey, you really do need one if you don’t want to spend every every penny you have and more. Perhaps you have more money than you anticipated as well.

As you may anticipate, YNAB’s main goal is to assist you in reducing your expenditure and avoiding living paycheck to paycheck. Maintain the plan and moderate your spending, and soon YNAB will realize that you are using last month’s funds rather than those you just received.

It is simple to install, supports the bulk of transaction data that can be downloaded from banks, and automatically adjusts for use by either individuals or small businesses by altering its monetary categories in accordance with your requirements.

If you stray from your course, YNAB, which is surprisingly understanding and forgiving for a piece of software, will inform you what to do to get back on track. You’ll have to make some compromises, but if direction is what you need, this stands out from competitors like Quicken.


Why we advise it: Let’s start with Mint’s extremely positive reviews on Google Play and the App Store. (It has also received by far the most reviews of any software we examined.) It syncs numerous types of accounts for free, including credit cards, loans, investments, and bank and savings accounts.

In terms of budgeting, Mint keeps track of your expenses and categorizes them. These categories, which are infinite, can be customized. You can specify upper and lower bounds for these categories, and Mint will alert you when you’re getting close to them.

Along with those budgeting capabilities, Mint may aid users in tracking objectives, increasing savings, and paying off debt. The software also displays the user’s net worth and credit score. Bonus: Mint offers a ton of assistance for using

Why you may want to think twice: One of the many outstanding features of Mint is that it keeps track of practically everything for you. But if you want to budget more actively and directly, that might not be the best option. Other applications on our list might suit your needs better if you’re looking for an app that helps you manage your finances in advance rather than just track them after the fact.


Why we recommend it:

Goodbudget focuses more on financial planning than transaction tracking. This program is based on the envelope budgeting method, in which you allocate particular expenditure categories a portion of your monthly income (called envelopes).

Your bank accounts are not connected to this app. You manually enter cash amounts, debts, income, and account balances (which you can retrieve from your bank’s website). Then you allocate funds for the envelopes.

Both the web and your phone can be used to access the app. You can use the app with the help of a lot of articles and videos that are available.

A limited number of envelopes, two accounts, and two devices are available in Goodbudget’s free edition. Goodbudget Plus, the paid version, offers additional benefits including limitless envelopes and accounts, up to five devices, and more.

Why you may want to think twice: Every expense must be entered because financial accounts cannot be synced. The app probably won’t work for you if you’re not willing to put in the effort.

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.


Ace the budgeting, planning, and financing processes in order to ensure the successful marketing of your business. By getting financing for Your Business, getting financing for Your House, and getting Financing for Your Car, you can get your business up and running quickly and without any pain. With these tips in hand, you’ll be able to begin marketing your business to a wider audience and achieve increased profits.

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