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What Is the Best Free Personal Finance Software

Free personal finance software helps you manage your money, keep track of your bills, and organize your personal finances. Here are some of the top rated free online software programs that help you to take control over your personal finances that you can use directly.


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.


Moneydance is user-friendly personal finance software that is embedded with essential features such as online banking and bill payment, account management, and budgeting and investment tracking. With Moneydance, users can manage multiple currencies and practically operate any financial task with ease. Moneydance’s online banking feature helps users to automatically download transactions and send payments online from several financial institutions. Moneydance is capable of automatically sorting, organizing and cleaning up downloaded transactions. It enables users to see the summary and outline of their finances. Moneydance shows information such as account balances, upcoming and overdue transactions and reminders, and exchange rate information.

Moneydance is a desktop-based, personal finance app that features strong support for online bill pay, multiple currencies, and cryptocurrencies. However, a dated interface and limited mobile app functionality prevent it from truly challenging the best apps in its class.

Microsoft Money Plus Sunset Deluxe

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.


Buxfer is a free finance web app for managing your own expenses, including a group’s expenses. It provides all the connectivity options you need for a home finance software. With Buxfer, you will be able to generate reports on who owes what. It also has an IOU view. To get access to unlimited accounts, make unlimited budgets, and create all the bill reminders your checking account can hold, you will need to pay for the Plus or Pro accounts. One of the most important features for Buxfer is budgeting. You can set a spending limit weekly, monthly, or yearly 

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.


Quicken is financial platform which helps users in streamlining budgeting and planning. It is being used by several business owners and institutions. Its features include free phone support, show bank/credit card balances, projects income and expenses, text/email notification, portfolio X-ray, tracks cost basis and capital gains, and shows performance against the market. Quicken provides users with updated quotes to keep their portfolio value current and to keep track on how their investments are performing against the market, as well as to monitor cost basis, identify realized and unrealized yields, and compute capital gain to make tax time easier.

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.

In terms of bills, you can also see which utilities and similar you are constantly paying out to, and see both the amounts to be paid and how much money you have left over. For accounting purposes you can even bring your banking and credit card bills together in one place so that you have a very clear idea indeed of how much you’re paying out. This is especially handy as people easily underestimate how much regular small purchases can add to costs.

Free Budget Spreadsheet

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.


YNAB is versatile financial software which gives users control over their finances, and helps integrate user’s bank accounts. Some of its features are bank syncing, on the go, personal support, debt paydown, reporting bliss, and goal tracking. YNAB enables users to effortlessly connect and integrate all their bank accounts. It helps to streamline budgeting and forecasting, as well as keeps quotes up-to-date. YNAB makes it easy for users to share finances with partner(s), and retrieve synchronized information from any device – anytime, anywhere.

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.


Moneyspire is user-friendly and dominant personal finance software that coalesce your entire financial life in one place. Some of its features include mobile app, online banking, balance forecast, reconcile statement, reports and charts, import and export data, multiple currency support, customer invoicing, check printing, and investment account support. With Moneyspire, you can manage your bank accounts, credit cards, loans, investments, etc; balance your checkbook and take charge of your transaction details; estimate your future balances and net worth, and know your status; and set bill notifications and ascertain all your upcoming payments so you never forget to foot a bill.

Microsoft Money

Microsoft Money is beautifully designed personal finance management software which enables users to take control of their finances. It allows users to view bank account balances, create budgets, and track expenses, among other things. Microsoft Money is available on computers and on mobile phones. Its features include online bill payment, online investment quotes, automatic statement downloads, import data files, currency converter, and mortgage calculator. It was designed for computers using the Microsoft Windows operating system, and versions for Windows Mobile are also available (available for Money 2000-2006 on select versions of Windows Mobile, up to, but not including, Windows Mobile.


HomeBank is a free personal finance software to help you manage your personal accounting. It boasts of more than 19 years of user experience and feedback. In addition, it’s been translated by its users in approximately 56 languages. It’s simple to use, and is able to analyze your personal finance and budget in a detailed way. It analyses your personal finance using some powerful filtering tools with beautiful charts. With HomeBank you can manage your personal accounting, budget, finance, at no charge at all since its completely free.


ClearCheckbook started by Brandon O’Brien makes managing of finances easy by enabling the client to access data from any device with internet connectivity; it can be accessed from multiple locations with different devices. A cloud cantered approach is used by ClearCheckbook which makes it easy for transactions to be logged; those with a joint account will particularly find it worth it as they are able to check on the partners transactions. It helps in balancing of clients check books, managing budgets; track spending among many more features, the client enters receipts into the site.


Doxo is a service that allows you to organize and manage all your accounts in one place. It’s a secure way to pay your bills with just one login. On Doxo, each company has a profile page with important contact information. Your company will show up on doxo if at least one customer has added you to the doxo provider network, and is also using doxo to connect with your company and make payments. Doxo helps you schedule your payments, monitor status and track your bill payment history.


Personal Finance software is easy to get and are available in mobile apps, as online programs or installation program in personal computers. Personal finance software is designed to make it simpler to manage finances and should be customizable to meet the user’s needs. Personal Finance Software are money management software that organizes your day to day financial life in an easy to view with automatic updates of the transactions.

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