Mac personal finance software for mac is one of the best tools to keep track of all your finances. When it comes to choosing a Mac personal financial software, there are many criteria one should look for. Personal finance software available for Mac offers various features that are useful in managing personal finances such as budgeting, tracking expenses, investment planning and more. The article provides information about various products available in the market and how they can help you manage your money effectively.
There are many reasons to be good with money, but the best one is that it brings you security. In this article, I will mark the current decade’s best personal finance software for Mac that helps you control your needs, save money and track your expenses. The best personal finance software to help you organize your financial life is an Apple Mac application that can help you to cut out the clutter and make better-informed decisions about your finances. Personal Finance Software refers to the software used for the purpose of managing personal finance details and making the right financial decisions. Personal finances are important and need to be taken care of so that you don’t spend your hard-earned money in the wrong manner. Personal finance software offers to help you in making financial decisions regarding your home, car, taxes, retirement planning, college investment, insurance, etc…
Personal finance for Mac can be tough, but luckily there are some great apps out there. You don’t really have to compromise on much when deciding on a personal finance software option. No matter what your budget is and how you want to go about handling your money, we’ve got recommendations for you. We’ll talk about the best free personal finance software options and a few paid ones too.
We’re big fans of personal finance software, and there are a plethora of options for Mac users. However, as great as these programs can be to help you manage your money, it can be difficult to know which one is the best for you. We’ve sorted through all the options to bring you this list of our favorite money management apps for people using Macs.
Best Mac Personal Finance Software 2022
The best Mac personal finance software is made even better with a macOS computer. With the right hardware and software, your Mac can be the hub of your financial life.
With the right hardware and software, your Mac can be the hub of your financial life.
Personal Capital (Free)
Personal Capital is the best personal finance software for Mac and best of all, unlike Quicken it’s actually free to use.
If you already use Intuit’s other budgeting tool Mint (see review later), you’ll really like Personal Capital because it’s got the same feel but with far more powerful investment tracking.
Around 1.8 million people use Personal Capital and many of them have switched from Quicken, especially those with investments.
Here’s a summary of why Personal Capital is the best personal finance software for Mac users.
- It’s free
Hard to believe for personal finance software is worth its salt but Personal Capital is 100% free to use for as long as you want with no limitations.
Personal Capital only charges you a small commission if you decide you want to maximize your investments via a personal consultation with one of its own Financial Advisors.
This is completely optional and not obligatory but is there if you want it.
- It syncs accounts seamlessly in one place
If you’re tired of constant syncing issues and problems with Quicken, Personal Capital is a breath of fresh air.
It syncs extremely well with all major financial institutions, aggregates your accounts and makes it easy to get an overview of your finances.
This includes checking, savings, 401k, mortgage and investment accounts.
That’s not to say that hiccups don’t happen as much depending on technical changes made by financial institutions but it’s so much more reliable than Quicken.
You can also download any transactions synced with Personal Capital in CSV format.
- It analyzes your investments to save you money
What makes Personal Capital different to many budgeting apps is that it also helps you save money on existing investments.
One of the ways it does this is via a fee analyzer and an investment analyzer.
For example, the retirement fee analyzer immediately identifies areas where you may be getting ripped off or overcharged with 401K admin or management fees.
The investment analyzer does the same for your investments to see where your existing investments and holdings can be diversified to improve your returns.
- It helps you plan for the future
By telling Personal Capital exactly how much income you expect to have in retirement, Personal Capital calculates exactly how on or off track you are.
It can also assess the impact on your 401k of major life events such as the birth of a child, illness, college fees etc.
Or it can be used to assess how your immediate finances could be improved if you get a lump sum and eliminate expensive premiums by getting an estimate on selling your life insurance policy.
There’s also a comprehensive cost of living retirement calculator which gives you useful insights into your average net worth by age.
In fact Personal Capital is easily the best retirement planning software for Mac available.
- It’s as secure as any bank out there
Like any major financial institution, Personal Capital is registered with the Securities and Exchange Commission (“SEC”) and has to adhere to the same security standards and procedures.
What’s reassuring about Personal Capital is that it doesn’t actually handle your log in details at all. It uses Yodlee which is a highly secure financial credentials management system used by major banks and investment institutions worldwide.
This is bank-level, military-grade security that’s about as secure as it gets nowadays.
Even if your account were somehow compromised, Personal Capital doesn’t actually allow transferring of funds via the interface so they cannot be touched anyway.
There are other measures that Personal Capital takes to encrypt and protect your data which you can read more about here.
- You can talk to a human if you want to
Sometimes an app just isn’t enough if you really want to grow your money.
Especially if you’re investing large sums, Personal Capital allows you to consult with a Personal Capital advisor who can make specific recommendations based on your personal situation and minimize tax liabilities.
You need a minimum of $100,000 to use this service and Personal Capital charges a commission for it but for serious investors, this is a unique bonus of the app.
Personal Capital obviously encourages you to use one its Financial Advisors but there’s no hard sell if you’re not interested.
- You can check your finances on the move
The Personal Capital iOS app is one of the best personal finance apps for iPad or iPhone we’ve tried, allowing you to manage and monitor your finances wherever you are.
It’s clear, easy to use and has lots of features compared to most mobile budgeting apps.
So what are the drawbacks to all this? Well, like any finance tool for Mac Personal Capital is not perfect.
The biggest gripe we have with Personal Capital is that you can’t import Quicken QIF or QFX files. This is definitely disappointing if you have years of Quicken accounts although even apps that do import Quicken files don’t usually do it very well due to the complexities of the format.
However, this is less of an issue now anyway since Quicken 2019 has removed the option to export files in QIF format from the Mac version anyway (although the Windows version of Quicken still exports to QIF).
Quicken for Mac now only exports in QXF which is a proprietary Quicken format that can’t be imported into any program. Therefore, there’s no way to import Quicken 2019 files into Personal Capital, unfortunately.
Unfortunately as well, you can’t change transaction dates in Personal Capital. If you have a fixed payment (such as salary or pension) that posts on the 1st of every month and it falls on a weekend or holiday, the transaction will appear in Personal Capital as the last banking day before that. This means Personal Capital will show that you have a double payment in the same month which messes up your budget.
Finally, another slight drawback to Personal Capital is that it doesn’t help you much at tax time.
Although there’s dedicated tax software for this, there seems little reason why Personal Capital can’t make things easier when it comes to declarations.
Overall though, Personal Capital not only helps you budget better but it manages your investments too and it’s so convenient to have that all in one app.
You can also open a Personal Capital account for free to judge for yourself.
For a limited period, Personal Capital is also offering 6 months free wealth management for customers that open an account with $250,000 or more.
For more information, you can check out our full Personal Capital review.
Pricing: Free
Moneyspire
If Cloud-based apps are not your thing and you want a dedicated Mac desktop app, Moneyspire 2022 (formerly Fortora Fresh Finance) is an excellent no-nonsense personal budgeting software for both Mac and Windows.
Moneyspire doesn’t store your accounts in the Cloud, doesn’t require you to upgrade regularly or subscribe like Quicken and you can download it onto your Mac.
Even better, at the moment, Moneyspire is 40% off at just $29.99 compared to the normal price of $49.99 which is definitely a good deal for a desktop personal finance software for Mac on this level.
You can import QIF files from Quicken and likewise, export your accounts to QIF if you move back to Quicken at a later date.
If you’ve got a lot of accounts saved in Microsoft Money on Windows, Moneyspire can also import MS Money files.
Moneyspire supports online bill payments though via both Direct Connect and its own Moneyspire Connect service both of which are free to use.
Moneyspire Connect supports over 15000 financial institutions so it’s safe to say, your bank is probably supported if Direct Connect doesn’t work for any reason.
Like many personal finance app bank syncing services, Moneyspire Connect doesn’t always work perfectly but this is often due to security changes on the bank side.
MoneySpire Connect is free for the first year although you have to purchase an annual upgrade to MoneySpire every year (which is discounted for current users) to continue using it.
Generally, you’ll probably find Direct Connect more reliable although that isn’t without its problems too.
Moneyspire is a very complete alternative to Quicken on Mac which tracks bank accounts, credit cards, loans, investments and more.
You can set bill reminders, budgets and generate detailed reports and charts to monitor your outgoings and if you run a small business, you can also create professional invoices and track payments.
It can even print checks which most finance apps no longer support anymore on Mac.
One of the things we like most about Moneyspire is that it doesn’t over complicate things. It gives a very clear overview of everything from accounts and details of spending to bill reminders and budgets.
The Bill & Deposit Reminder provides a very clear overview of upcoming payments:
You can generate detailed reports and charts to see exactly where your money is going to make tax reporting less stressful and much easier.
Other useful features in Moneyspire include Balance Forecast, Reconcile Statements, Online Banking, Import & Export of Data and Cloud syncing.
Reconciling of accounts, in particular, is a very useful feature when it comes to budgeting and you can see how it works below.
For mobile users, there’s a free Moneyspire app for iPad and iPhone which allows you to check your account balance, edit transactions, see upcoming bills and keep an eye on how your budget is doing.
Moneyspire used to be available in different versions but has now simplified its pricing policy and there’s now just one version of Moneyspire for $29.99 which includes Direct Connect access.
Normally it retails for $49.99 so that’s 40% off.
The impressively reliable Moneyspire Connect service is even included in the price (which previously used to cost an extra $49.99 per year) although you must purchase an annual upgrade to MoneySpire to keep enjoying it for free.
If you do decide to purchase it, you have a 60-day money-back guarantee if you’re not happy with it.
Unlike with Quicken, updates to Moneyspire are free but major updates usually require an upgrade fee.
Currently, if you upgrade from an older version of Moneyspire to Moneyspire 2022 you can get 60% off.
You can also try Moneyspire on Mac for free if you want to see what it’s like for yourself.
You can also check our full Moneyspire review for more.
Pricing: $29.99 (40% off, normally $49.99) – Free Trial
Banktivity
Banktivity (formerly iBank) is designed specifically for Mac and has long been one of the most popular desktop personal finance apps for macOS.
Long before Quicken for Mac, Banktivity supported things like online banking integration, bill pay, envelope and full-year budgeting, loan amortization and multi-currency support.
Some of these things have now been introduced in the latest version of Quicken but Banktivity still remains an excellent home and personal accounting software for Mac.
Here are some of the things we like the most about Banktivity:
- Account Importing
Banktivity will import your accounts from Quicken and other finance software.
Although it’s not perfect, the import tool does a pretty good job and saves valuable time manually entering old accounts. You can see how this works below.
- Bank Syncing
Banktivity will automatically connect to and download transactions from your bank or other financial institution in real-time.
It offers various ways of doing this with the most reliable and widely supported being Direct Access.
Direct Access is Banktivity’s own syncing service and generally works very well although it costs an extra $44.99 on top of the cost of Banktivity. Other freeways of connecting are available though.
- Detailed & Customized Reports
The reports generated by Banktivity are very well-organized due to tags and categorization.
There are Quick Reports for instant overviews of the essentials and you can create highly customized reports for virtually any kind of spending.
- Budgeting
Banktivity supports traditional and envelope budgeting with useful setup wizards to get you going.
You can filter budgets by time frame to see exactly when you’ve gone under or over budget and set budgets for scheduled and unscheduled expenses.
- iPad, iPhone and iWatch Apps
Banktivity is designed exclusively for the Apple ecosystem with iOS apps to help you monitor and enter transactions on the move.
The apps sync with the desktop version of Banktivity and there’s even an iWatch app with spending alerts to help keep you on budget.
Investment management isn’t Banktivity’s strong point but there is a separate free Banktivity Investor app (formerly iBank Investor) that syncs investment data specifically.
So for example, you can see all of your holdings with the current gains or losses in real-time with data pulled from Yahoo Finance.
Previous versions of Banktivity were available as a standalone purchase with Direct Access costing extra. However, the latest version of Banktivity 8 is subscription only but includes Direct Access as standard with the Bronze plan starting at $49.99 per year.
For investment features, you’ll need the Silver Plan ($69.99 per year) and for multi-currency support, you’ll need the Gold subscription for $99.99 per year.
You can find details of all Banktivity Plans here.
You can also try a 30 day free trial.
Best Mac Personal Finance Software 2021
The best Mac personal finance software is a powerful tool that can help you stay on top of your money and make smart financial decisions.
It’s important to have the right software because it will influence how you manage your finances and guide you toward making better choices when it comes to managing your money.
Best Mac Personal Finance Software 2020
With the best mac personal finance software 2020, you can easily manage your financial accounts and get a better understanding of where your money is going. In this article, we’ll talk about some of the best options available so that you can find one that works for you.
Best Mac Personal Finance Software 2019
There are a lot of personal finance software for Mac out there. But which ones have the best features, and can actually help you save money? Whether you’re looking for something that’s completely free or has a price tag, this list has got it covered.
- Best Mac Personal Finance Software: MoneyWell
MoneyWell is one of the most popular personal finance apps for Mac users. It boasts over $400 million in transactions processed by its users to date, proving that it’s no dummy when it comes to managing your money. The app offers easy budgeting tools like bill reminders, expense tracking and major spending categories so that you can see how much money has been spent on rent or groceries in any given month — all with just one click! You can also set goals within the app so that every dollar goes towards something meaningful (like paying off student loans). Your progress will be tracked along the way so there’s no guessing about whether or not you’ll reach those goals! Plus if there’s ever an issue with billing – such as double charging for something – MoneyWell will help resolve any errors quickly through email support tickets rather than waiting days upon days just trying calling someone at customer service who never picks up anyways…
Best Mac Personal Finance Software
You’ll need the best Mac personal finance software to help you get ahead. The good news is that there are plenty of options, including several free options that won’t cost you anything.
If you’re looking for a free Mac personal finance software solution, check out Moneydance or iBank. Both of these programs offer powerful features and robust reporting tools to help make managing your money easier than ever before. If you’d rather not spend any money on your new Mac program, these two programs will do the trick!
When it comes to paid options, Quicken is one of the most popular choices around. It offers all kinds of great features such as budgeting tools and investment tracking so that users can see where their money goes each month without having any problems whatsoever with using this application (or others like it).
Best Free Personal Finance Software for Mac
If you’re looking for personal finance software that’s free and easy to use, then I recommend using YNAB (You Need a Budget). YNAB is an application that helps people budget their money better and provides them with reports on how they are spending their money. It also has features like “budgeted transactions” which helps users see which transactions have been spent on the budgeted category or not.
There are other applications such as Mint and Quicken but they require payment in order to use their premium features such as bill tracking, investments tracking etc..
Best Free Personal Finance Software for Windows
You may be unaware of some of the best free personal finance software available on the market today. To help you out, we have searched and tested hundreds of these programs to find out which ones will work best for your needs.
It is important to keep in mind that there are many different types of personal finances software available, each with their own unique benefits and drawbacks. For example, some applications are designed specifically for keeping track of credit card payments; others are meant for managing investment portfolios; some are built specifically for tracking savings goals; while others focus on planning how much money you spend each month or year. Due to this wide variety in functionality, it can be difficult knowing where exactly to start looking when searching for an effective program that fits into your lifestyle perfectly (i).
Best Free Personal Finance Software for Android
In this article, we’ll show you the best free personal finance software for Android. It’s important to keep track of what money comes in and goes out of your bank account. If you don’t, it can be hard to know how much money is available for saving or investing. And if you’re spending more than your income, eventually those debts will catch up with you in the form of late payment fees and collection calls from creditors.
There are a lot of different types of free personal finance software available for Android phones these days, but not all are created equal! Some have been designed specifically for smartphones so they’re easy to use on smaller screens without cluttering things up too much (or taking up too much space). Others try their best by using simple color schemes that make it easy to read through numbers or text at a glance without being distracting from other parts like pictures–and sometimes there’s even room left over!
Best iOS Personal Finance Apps 2022
If you’re looking for the best free personal finance software for your Mac, we’ve got you covered. Here are our top picks for the best free personal finance apps for Mac in 2021:
- MoneyWiz 2
- OmniFocus 2
- GnuCash
- HomeBank 5
What are the best personal finance software?
There’s a lot of options out there, and you may be wondering whether to go with an online solution or something more robust that you install on your computer. The answer depends on what’s most important to you in terms of features and ease of use.
Conclusion
Choosing the best personal finance software for your needs is easier when you know what you want from the software. The best way to do this is by doing a lot of research on different options and writing down how each one works for you. Luckily, we’ve done most of the legwork already with our list of top picks! You just have to decide which features are most important to you. Personal finance software can take many forms. Certainly, a few of the solutions we looked at here could be considered mac personal finance software, but others are more card management or budget applications. Still, the features are often similar: budgets, reporting, tracking, mobile apps and cross-platform support to name a few. In an effort to provide guidance to our readers we sought to establish a short list of factors that they should consider when evaluating personal finance software. It is important to remember that there are hundreds if not thousands of solutions on the market today. Any person looking for good personal finance software will likely find something capable of meeting their needs.
YNAB is the undisputed champion of best Mac personal finance software applications. The software helps you cut your financial expenses and save money for future purposes. There are many online reviews that say the program is based on a solid system, which it seems to share with other software that helps you allot the funds properly in a way that they won’t go beyond their appointed time and responsibility. The many views are based on experience of reviewers who claim to have tried it previously without much success but upon using this particular app, they observed real results within the period stipulated.