Personal finance software can help you keep track of your money. There are a variety of personal finance programs to choose from—some that are simple and easy to use, and some more complex. Learn more about the best personal finance software options in this guide. Personal finance software allows you to track your income and expenses, analyze trends, and manage your budget. Some programs are more advanced than others, but you can find free personal finance software to help you manage your money.
As a Windows 10 user, do you know which personal finance programs are ideal for your operating system? If not, then you’ll benefit from this article. It focuses on four popular personal finance programs for Windows 10. I’ll also provide a brief overview of this new operating system and explain how it has affected the way I use my desktop.
Personal finance programs help the user to understand the processes of handling personal finances. This type of software is most often used by an individual or a family, but can also be used by a business that needs to track finances and incomes.
If you want to learn about personal finance programs for Windows 10, or about easy personal finance software, read this article on free personal budget software. Personal finance is a subject nearly everyone has to deal with at one time or another. Whether you need a way to account for your own money or manage the funds of a large family business or corporation, there’s something here for you. This article looks at what each program can do and then compares them side-by-side in order to select one that’s right for your needs
What Is Budgeting Software?
Budgeting software is software that helps you plan and allocate your personal spending. Unlike accounting software, which focuses primarily on tracking what you’ve spent or are owed, budgeting software is forward-thinking and allows you to allocate your dollars prior to spending them.
#1) Intuit Mint
Best for online accounting.
Intuit Mint is the platform for personalized insights, custom budgets, spend tracking, and monitoring subscriptions. It supports Android and iOS devices. You can add your cash, credit cards, bills, and investments to the tools to track the money easily. It will categorize bank transactions and provide safety and security to your data.
Features:
- Mint is a platform with a budget planner and credit monitoring.
- In a budget planner, you can add and update the categories as per your requirement easily.
- For securing the data, it has various features like safeguarding the mobile app with a 4-digit code, multi-factor authentication, etc.
- It automatically finds the savings that are missed.
- It can track the bills to help you without missing them.
Verdict: Intuit Mint is a trusted, protected, and dedicated platform to manage your finances. It will help you stay focused on your financial goals. It is a platform for all accounts in one place and offers the functionalities of bill payment tracker, budgeting goal tracker, free credit score, budget alerts, investment tracker, etc.
Price: Intuit Mint is available for free.
Website: Intuit Mint
#2) Honeydue
Best for couples to manage finances.
Honeydue is an application that helps couples to manage their finances together. It is a smart tool that provides instant notification and real-time balances & budgets for each partner. It is a collaborative tool. It is a secure platform and offers real-time card locks functionality. It offers 24*7 fraud protection.
Features:
- Honeydue has the features to access cash from more than 55,000 surcharge-free ATMs, Apple, and Google Pay.
- With a Honeydue joint bank account, the couples will be able to bank together.
- Honeydue supports multiple languages.
- It provides reminders for bills.
Verdict: Honeydue is a mobile application that will let couples collaborate on their terms. It offers the functionalities for tracking all the accounts, coordinating bills, and chatting. Honeydue is working on automatic bill payment features too.
Price: Honeydue is available for free.
Website: Honeydue
#3) Mvelopes
Best as an envelope budgeting system.
Mvelopes offers an envelope budgeting system with three editions i.e. Basic, Premier, & Plus. The app is available for Android and iOS devices. It will let you connect with an unlimited number of accounts.
With all three editions, you will get access to live chat & knowledge base, interactive reports, and auto transaction importing & account balance monitoring.
Features:
- The basic edition will let you connect your bank accounts and create an online envelope budget.
- With the Premier and Plus plan, you will get access to Mvelopes learning center, debt reduction center, and initial setup assistance.
- For the Plus plan, Mvelopes offers the features like a dedicated personal coach, a personalized financial plan, and high-level priority support.
Verdict: This envelope budgeting system will help you gain financial peace of mind. It is a simple and affordable budgeting program. With Mvelopes, you will be able to manage your finances from anywhere.
Price: Mvelopes offers a free trial for 30 days. Basic ($5.97/month or $69 per year), Premier ($9.97 per month or $99 per year), & Plus ($19.97 per month or $199 per year).
Website: Mvelopes
#4) PocketGuard
Best for categorization & organization of your expenses.
PocketGuard is the tool that will help you with categorizing and organizing expenses. It will categorize and organize your expenses into tabs and graphs. It will set aside the money for bills, goals & necessities and give you a clear view of spendable money. You can link all your bank, credit cards, and loans & investment in one platform.
Features:
- PocketGuard has features to personalize the reports with custom categories and hashtags.
- It provides the feature of AutoSave that will automatically grow your savings. You just have to enter your goal of saving and the tool will handle the rest.
- It will track the bills and negotiate better deals for cell phone bills, cable bills, etc.
Verdict: PocketGuard will help you with optimizing your spending and thereby grow your savings. You can see all accounts in one place and will be able to keep track of your account balances, net worth, etc.
Price: PocketGuard offers a free plan and a Plus plan. You can get a quote for its pricing details. As per the reviews, it may cost you $3.99 per month or $34.99 per year.
Website: PocketGuard
#5) EveryDollar
Best for creating a monthly budget & tracking your spending.
EveryDollar is a budgeting app with the functionalities to create a monthly budget, save money, and track spending. You can enter your monthly income, make a plan, and track spending by creating a transaction. It is accessible through a web and mobile app. The mobile app is available for iOS and Android devices.
Features:
- EveryDollar provides a customizable template to help you with planning your expenses.
- You can track your spending according to your plan.
- Every time you spend money you can create a transaction and this helps you to track spending.
Verdict: EveryDollar is an all-in-one budgeting guide that is accessible from anywhere. It will let you track your expenses and save more. This easy-to-use app will help you with achieving your goals.
Price: You can try the app for free for 14 days. EveryDollar offers the solution with three pricing plans i.e. 3 months ($59.99), 6 months ($99.99), and 12 months ($129.99).
Website: EveryDollar
#6) Moneydance
Best for personal finance management.
Moneydance is an application for personal finance. It supports Windows, Mac, Linux, Android, and iOS platforms. It has the capabilities of online banking, bill payment, account management, budgeting, and investment tracking.
It supports multiple currencies. It provides a summary of your finances that includes account balances, upcoming and overdue transactions, reminders, etc.
Features:
- Moneydance has features for downloading transactions and sending payments online. For this, it supports a lot of financial transactions.
- It provides the facility to create graphs and reports for your income and expenses.
- It has Account Registers for entering, editing, and deleting transactions in an account.
Verdict: Moneydance is a personal finance software that is easy to use. It provides all the features required to manage personal finances. It will easily handle any financial task. Moneydance has various functionalities including online banking and setting up reminders for payments.
Price: Moneydance offers a free trial. You can buy the tool for $49.99. It has a 90-day money-back guarantee.
Website: Moneydance
#7) Money Dashboard
Best for budgeting and growing the savings.
Money Dashboard is a budgeting app that provides the functionalities to manage all your accounts. It supports more than 40 banks and providers. It offers the functionalities to transfer money and create offline accounts. It can be used on a laptop, tablet, or phone.
Features:
- Money Dashboards will automatically categorize your spending so that you will get to know where the money goes.
- It has functionalities to track bills, payday countdown, and predicted balance.
- To provide you security, it follows the best in class practices like FCA authorized & regulated and bank-level security.
Verdict: Money Dashboard is a secure platform with capabilities of bank connections, budgets, balance after bills, bills & subscriptions, tracking your spending, etc.
Price: Money Dashboard is available for free.
Website: Money Dashboard
8. Goodbudget
We chose Goodbudget as the best free option because it offers the ability to take the envelope budgeting concept virtual without paying a fee for your budgeting software. You can manually import bank transactions and view Goodbudget’s intuitive pie charts to see how your spending is allocated. This is a very feature-rich option considering the free price tag. Pros
- The free version offers robust features
- Charts and graphs make understanding your spending habits easier
- You can log in on multiple devices and easily transfer money between envelopes
Cons
- You’re limited in the number of envelopes you can have with the free version
- There is no option to automatically sync your accounts
- You must manually categorize each transaction after importing your account data
Envelope budgeting involves dividing your available cash into different envelopes for different spending categories. Goodbudget allows you to implement a digital version of envelope budgeting, with your home screen showing how much is left in each envelope.
Goodbudget offers a free and paid version, but the free version has plenty of helpful features including the ability to create up to 10 envelopes and easily transfer money between them. While manually uploading and logging bank account transactions can be tedious, some users prefer not to provide access to their bank accounts.
9. Albert
We chose Albert as the best option for saving money because it is a banking app that is good at both facilitating the budgeting process and automating savings. The app monitors your spending habits, identifies spare dollars, and moves the money to a digital wallet. You’ll earn cashback on purchases with your Albert debit card, can withdraw savings at any time, and can qualify for annual cash bonuses. Pros
- Smart Savings allows you to save money for your goals effortlessly
- Earn an annual bonus of 0.10% on your savings automatically or as much as 0.25% when you enable Genius
- Invest seamlessly from the same app
Cons
- No desktop version
- No phone customer support
- Limited educational information about the budgeting process
Albert creates an automatic budget for you, helping you to identify where your money is going at all times. You can instantly see your income, bills, and the money left over. You’ll also have many reporting options including reviewing past months’ budgets or seeing your transactions as a pie chart.
Albert not only facilitates easy budgeting but also makes saving effortless by identifying when there’s extra money available and moving it into a digital wallet. You’ll be rewarded with an annual bonus on your savings and can easily track savings goals. However, if you want the Albert Genius add-on, which boosts your savings bonus and provides access to financial guidance over text messages, you’ll have to pay a minimum of $4 per month.
Earn cashback when you use your Albert debit card. Cashback ranges from 10% to 20% and covers purchases like gas, food delivery, groceries, and other common merchants.
How Much Does Budgeting Software Cost?
Some budgeting software is completely free, while other programs charge a monthly or annual fee. You Need a Budget, for example, charges about $99 per year, while the paid version of EveryDollar costs $130 per year. You can expect to budget between $5 and $15 per month for most of the best options.
Budgeting software that you pay for often offers more robust features and more customer support than the free options. And in many cases, free software is supported by advertising, so you can expect to receive financial offers while you use the software.
Conclusion
It’s never too late to learn about personal finance programs and software. If you’re looking for a way to track your spending, manage your investments and more, check out our suggestions for the best personal finance programs available today. Personal finance management programs offer a variety of ways to help users with their finances. The purpose of this guide is to explore personal finance programs available for Windows 10 that make budgeting and tracking your personal finances straightforward and easy.
Personal finance programs are used by millions of investors to track their investment portfolios, including stock trades and stock price quotes. Personal finance software helps you plan your budget and keep track of your spending, so you can better manage your finances.