Personal Finance Software for Pc

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Personal finance software for pc: Learn about free personal finance software for pc, the most popular software to manage your finances in one place at home or office. Also, learn how to find the best free personal finance software for pc and make your life easier with this financial tool.

In order to become financially independent, you must be in control of your finances. Personal finance software for pc can help you keep track of your spending and net worth. Here are the top personal finance software for pc and the best free personal finance software for pc.

Personal finance is one of the most important aspects in one’s life that need to be looked at with microscopic inspection and has to be managed properly in order to ensure financial stability. To help you take care of your finances, we will let you know of some free personal finance software that are easy to use and easy to incorporate in daily life. We will present a list that lists personal finance software free to download and use. These best free personal finance software will, without a doubt, make your financial life more stable and without complications. This list of free personal finance software is highly researched and reliable.

Personal finance software is the best way to manage your money without having to write things down by hand. There are many options out there for personal finance software for pc that can help you track your income and expenses, in addition to providing you with a host of other information regarding your finances.

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. 

Creating a household budget can take time, and it can be hard to know where to start. Budgeting software aims to streamline the process so you can make your money work for you instead of simply spending it as it comes in.


Mint is one of the most popular personal finance free software of 2022. Its UI is an absolute treat to use, along with the loaded features of personal finance management that put it at the front of the personal-finance game. Mint shows you your financial situation in a broader sense; it shows your total net worth along with each and every minute detail of every transaction that you made so you can keep track of personal and professional expenses from a microscopic lens. It allows you to connect to your PayPal so you can monitor your online transactions as well. It uses visual images to illustrate your finances, and we believe it is the best feature of Mint. It is web-based and has apps for all major platforms.

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Buddi helps you perform major financial tasks like budgeting, tracking accounts, creating personal finance reports and some other nifty features. You enter your transactions manually, and let Buddi take the front seat to keep the record safe and secure and record monthly reports. Buddi is available on Windows, Linux and Mac, so you can use it on your different devices. It will become your perfect buddy. Buddi is a free personal finance software that keeps your financial data encrypted and is perfect for small financial tasks that one needs to perform daily. You can add more features by downloading more plugins.

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AceMoney Lite

AceMoney Lite is an all-rounder financial software that focuses on investment tracking and allows you to have two financial accounts that can be managed with a single one. It lets you handle all your transactions, manage them, edit them at your will and balance them at the end. You can download these transactions whenever you want and produce monthly reports based on them. It lets you manage your accounts, your banks and payees. It also lets you schedule your payments. The full version of AceMoney has a lot of other options and costs $40.

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GnuCash is perfect for individuals, homes and small businesses to keep track of their accounts. It is available on Windows, Linux and Mac, along with an Android app. It lets you add accounts, schedule regular payments, and add assets. If you have been using other financial software, you can import your data from them to GnuCash in QIF and dOFX formats. GnuCash is not as simple and requires that you know your way around basic accounting. Once you get familiarized with GnuCash, it will make your financial life a lot simpler by its regular reporting, financial advisory and data analysis to help you make wiser financial decisions.

Money Manager Ex

Free Manage your personal finances, balanced budgets, and view reports. Windows Money Manager Ex

We chose You Need a Budget (YNAB) as the best overall option because it offers the best combination of flexibility and features, making it more than worth its monthly price. It guides you through making an intentional, forward-thinking plan for your spending. Plus, its goal tracking and reporting features help you monitor your progress. Pros

  • You can link your accounts or manually enter transactions
  • Real-time information is always available from any device
  • YNAB teaches you how to budget, rather than just automating the process


  • Subscription fees of about $15 monthly or $99 annually
  • Requires a larger time commitment to manage than other options
  • There’s a steeper learning curve than some other budgeting apps

YNAB is more expensive than its free counterparts and it takes more time to develop your budget. Despite these drawbacks, it’s the best budgeting software for taking control of your money because it gives you the necessary tools to create a value-driven spending plan. 

The app is built around its four rules, which include giving every dollar a job. The program will guide you through the process of allocating every dollar so you can spend it intentionally. Its customizable reporting and goal tracking features, which include attractive and informative charts and graphs, help you stick to your plan. YNAB also provides comprehensive education, including more than 100 free online workshops, and offers real-time updating so you’ll always know where your money is going and can make adjustments on the fly.

Best for Couples Honeydue


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We chose Honeydue as the best option for couples because it is specifically geared toward helping you manage your money with a partner. You can link accounts and customize what information you share with your partner while also communicating about money issues directly through the app. Notifications even alert you to upcoming bills or when you or your partner exceeds pre-set spending limits in your budget categories. Pros

  • No monthly fee
  • Choose how much account information to share with your partner
  • Transactions are automatically categorized
  • Customizable alerts for overspending or upcoming bills


  • Only available for iOS or Android (no desktop app)
  • Limited financial education
  • Few reporting features that allow you to look at the big picture

Honeydue is designed to help couples manage their finances together and its features are focused on joint communication. Honeydue makes sharing information about money simpler by allowing you to respond to your partner’s transactions with a note, a thumbs-up, or other emojis. You can also aggregate your linked account information to see all of your individual and joint transactions in one place. 

Honeydue makes tracking spending easy by automatically categorizing transactions as well as allowing you to add your own custom categories. And while there are fewer reporting options than with some other programs, customizable alerts help ensure nothing falls through the cracks.

Best for College Students PocketGuard


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We chose PocketGuard as the best option for college students because it makes it easy for busy students to see at a glance how much money they have available to spend. Its goal tracking features and intuitive pie chart help even beginning budgeters see if they’re on track. And most of its features are free, which is ideal for those on a student budget.   Pros

  • Most features are available for free
  • PocketGuard’s In My Pocket feature instantly shows cash available to spend 
  • Smart algorithms identify areas you can save
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  • The free version limits transaction categories and goals
  • Advertisements are displayed even in the paid version of the app
  • Reporting options are more limited

For college students who are newer to managing money, PocketGuard’s simple user interface and intuitive pie charts make it easy to start budgeting and tracking spending. PocketGuard’s In My Pocket feature also reduces the risk of overdraft accounts by keeping tabs on money available to spend at all times. 

While the free version doesn’t include as many features as the paid option, most college students will likely find the program is robust enough and can avoid committing to a monthly subscription fee. And algorithms in the program that help you identify and cancel unwanted subscriptions can help college students identify opportunities to keep more money in their pockets.

Best for Families EveryDollar


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We chose EveryDollar as the best option for families because it allows you to create a budget in less than 10 minutes that can be completely customized to your family’s needs. It allocates every dollar but makes it simpler than other programs to go through the process as a family. And it instantly syncs across all devices, so everyone can see what’s been spent. Pros

  • Created by personal finance expert Dave Ramsey
  • Offers a 14-day free trial
  • Syncs in real-time across devices


  • You’ll have to manually enter transactions in the free version
  • The paid version is about $130 annually
  • You must manually categorize transactions

EveryDollar is an ideal choice for families who want to take a hands-on approach to budget together and who don’t want to pay a costly monthly fee. It allows you to allocate every dollar that you’re spending and provides a customizable template to make the budgeting process easier. 

For those who want added features, including the ability to link bank accounts, upgrading to the paid version is necessary. Ramsey+ comes at a higher cost than other programs but offers more features including Dave Ramsey’s popular Financial Peace course as well as Baby Steps tracking to help work through the seven baby steps Ramsey has identified for building wealth.

Best for Investors Personal Capital

Personal Capital

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We chose Personal Capital as the best option for investors because it offers robust budgeting software and provides a retirement and savings planner with tools to keep tabs on investments. You can track your net worth, monitor your cash flow, and get an investment checkup so you can manage your money all in one place. Pros

  • Free to use
  • A comprehensive financial dashboard helps you track all aspects of your finances
  • Retirement planning and investment features help you accomplish financial goals


  • Some users report connectivity problems with bank accounts
  • You may be upsold on other services, such as wealth management services
  • Some app features are more limited

Personal Capital integrates budgeting software with other financial tools in one financial dashboard. You can track spending, monitor investment performance in real-time, set retirement goals, and track your net worth all in one place. You can also access special features such as an investment checkup, which compares your portfolio asset allocation to the target allocation for your age and circumstances. 

The investment checkup feature is only available on the desktop version, though. However, the iOS and Android apps still offer plenty of features including interactive tools for tracking your investments and cash flow. Financial advisors are willing to talk with you about your plans, but you can expect to be upsold on Personal Capital’s wealth management services if you take advantage of this feature.

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Best for Saving Albert


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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 cash back 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


  • 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.

Best Free Option Goodbudget


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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


  • 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.

Compare the Best Budgeting Software

The 8 Best Budgeting Software of 2022
CompanyBest ForCostBudgeting ToolsSoftware CompatibilityFinancial Integration
You Need a BudgetOverallAbout $15/month or $99/yearLinked accounts, budgeting tools, 100+ online workshopsiOs and Android, and desktop/laptop computersLinks with all financial accounts (credit cards, checking, saving, etc.)
HoneydueCouplesFreeTrack spending, customizable alerts, and communication toolsiOS and Android Links with all financial accounts (credit cards, checking, saving, etc.)
PocketGuardCollege StudentsFreeProvides spending alerts and cash availability in real-time, organizes expensesiOS and Android, and desktop/laptops computersLinks with all financial accounts (credit cards, checking, saving, etc.)
EveryDollarFamiliesFree or about $240 for premium versionSyncs in real time, customizable template, access to online coursesiOS and Android, and desktop/laptop computersYou can link your financial accounts with paid version
Personal CapitalInvestorsFreeTrack spending, monitor investment performance in real-time, set retirement goals, and track your net worthiOS and Android and desktopLinks all accounts, including retirement investments
AlbertSavingFree or $4/month for premium versionDigital envelope, automatic budgets, tracks and reports spending, a digital wallet with an annual savings bonus (upgraded service only)iOS and AndroidLinks checking and saving accounts 
MintBeginnersFreeTracks spending, net worth and spending on one dashboard, automatic categorization of transactionsiOS and Android, and desktop/laptop computersLinks with all financial accounts (credit cards, checking, saving, etc.)
GoodbudgetBudget ConsciousFree10 digital envelopes for organization,  allows users to manually import bank transactions and move funds between envelopesiOS and Android, and desktop/laptop computersChecking and saving accounts

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.

Personal finance software is a computer program designed to help you manage your personal finances. There are many different types of personal finance programs, with most focusing on some aspect of budget management or money tracking.

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