Personal Money Management Software for Mac

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When it comes to managing finances, many of us need all the help we can get. So we’ve scoured the Mac App Store to find the ten best free apps available to help you start getting finance affairs under control.

We’ve focused mainly on apps dealing with personal finance, but have also slipped in one or two apps that I think will help freelancers and small business owners as well. 

For some people, the free version of the apps listed here will be perfectly enough for their purposes. For others, using the free app may be a first step to purchasing a more feature-rich version.

Personal Money Management Software for Mac

1. Debit & Credit

Good financial management starts by being aware of what you earn versus what you spend, but keeping financial records can be such a hassle. That’s why I’m starting off my list with not one but two apps dedicated to financial management.

The first, Debit & Credit, is a simple, clean Mac app that allows you to record and view all your sources of income and expenses in one place. What’s more, Debit & Credit has its own app for the iPhone and iPad that lets you add transactions on the go, knowing that the data will sync 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)

HomeBudget Lite is the second financial management app I’m featuring here, and with good reason. 

Though this Mac app shares several features with the Debit & Credit app, like tracking expenses, income, bills due and account balances, there are a few stand-out features which differentiate it.

The most important is its family sync feature that allows a group of devices within the same household to exchange expense and income information within 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 + 

Stock + is a fantastic research tool that allows you to keep an eye on the stock market in general and your stock portfolio specifically. 

Keep up to date on mutual funds, exchange traded fund, commodities and track international stocks from exchanges all around the world.

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.

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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. 

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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

Car Manager 2 is a car owner’s dream. This handy app allows you to input and organise all financial as well as non-financial information related to your vehicle. 

The app calculates input to create detailed statistics of your expenses: cost per spending category, cost per kilometre or daily cost. 

Non-financial data, such as the change in mileage and average fuel consumption, can be calculated and displayed in brief or in detail.

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

TimeBalance is a great app for helping you monitor a bank account at any time. The app creates a lightweight indicator that sits in the Mac’s menu bar next to the clock, continuously displaying the account balance and offering a glimpse of your recent transactions with just one click. 

Balance and transaction information is safely transferred via encrypted connections and stored locally on the Mac, giving you a quick overview of your account at the time.

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

Top Personal Finance Software for Mac

1. EaseUS RecExperts 

When it comes to the best recording software for Mac, EaseUS experts is the best option. This software allows recording the full screen and a selected area flexibly. Also, you can record screen with audio on Mac simultaneously, including the system sound, microphone, or sound from external audio devices.

Besides capturing the screen, you can record the screen or video as a GIF with simple clicks. Most importantly, you are allowed to apply more options such as customizing the hotkeys and so on. 

2. QuickTime Player

You must be familiar with QuickTime Player, which is a free video recording software on Mac. It can play, record, edit, and share videos on Mac. Recording the screen with external voice is accessible. 

It lets capture a full screen or a selected area with a few clicks. With this Mac screencast software, you can easily record online meetings, streaming videos, or other activities on your screen. Most importantly, it is straightforward for beginners of its intuitive interface.

The only limitation is that it cannot record internal audio on Mac.

Key Features:

  • Simple and intuitive user interface
  • Free screen recorder for Mac
  • Offer recording and editing options
  • Allow sharing the recorded videos with your friends
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3. macOS Catalina 

One recommended Mac’s built-in screen recorder is macOS Catalina, which is also known as macOS 10.15. It is a cross-platform tool with numerous features. Using this program, you can deal with the entire screen or selected portion on your Mac with just a few clicks. Here are more features that you can find in this tool. 

Key Features:

  • Practical screen recording software Mac free
  • Record full screen or a specific region
  • Allow a obvious toolbar to choose the suitable option

4. OBS Studio

OBS Studio is an open source screen recorder for Mac users. It has powerful and easy-to-use configuration options, which can add new sources or adjust the properties effortlessly.

Besides, this screen recorder Mac free offers an unlimited number of scenes to switch seamlessly via custom transitions. Also, it can be used for live streaming, which means you can use it to record streaming audio. 

Key Features:

  • Completely free for all users
  • Allow capturing real-time activities and great live streaming videos
  • Offer intuitive audio mixer with per-source filters
  • Compatible with Windows, macOS, and Linux

5. ScreenFlow

ScreenFlow is another free Mac screen recorder with audio. This screen capturing software can record anything and give you many editing options once the recording is done.

Using ScreenFlow, you can record computer audio or microphone as well. In addition, this Mac screen recording software can even set the keystrokes and mouse movements, making the recording much more interesting.

Key Features:

  • A lightweight screen recorder and video editor
  • Export almost all the major formats and directly upload recorded videos to YouTube
  • Enable you to record video and audio simultaneously
  • Mac screen recorder with audio free

6. Screencast-O-Matic

Screencast-O-Matic is a versatile Mac screen recorder and editor. It is free to create screencast videos with this screen recording program. When the recording is done, you can personalize the saving with the built-in editor. It also allows adding overlays, text, animations, visual effects, and many more to your recorded video quickly.

Key Features:

  • Available for Windows, macOS, iOS, Android, and Chromebook users
  • Offer basic yet useful video editing tools
  • Add and size the webcam for a picture in picture effect
  • Share the recorded videos to social media platforms like YouTube

7. Snagit

Snagit is a screen recording tool, which enables you to record video and capture images. This screen recorder can capture the entire Mac screen, a region, a window, or a scrolling screen. It lets you quickly grab individual frames from the recorded videos or save your video file as an MP4 file or animated GIF with ease.

As a screen recorder Mac free, you can use it to remove any unwanted sections from your screen recordings by a trimmer after recording.

Key Features:

  • Allow recording the iOS screen with Snagit
  • Record screen, webcam, audio, and other things on your screen
  • Turn video into an animated GIF and add it to the website

Personal finance software free

Mint

Mint is a free online budget planner from Intuit, the makers of TurboTax and Quickbooks. This app brings all of your financial data together, showing you an overview of your budget, spending, bills, and credit score. You can create your own budget, set goals and reminders, and sync your data between web and apps. Security is enhanced by encryption and multi-factor authentication. You can also use Mint to track your investments and portfolio.

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

GnuCash

GnuCash is desktop software; its features include tracking bank accounts, stocks, income, and expenses. GnuCash is based on double-entry accounting for balanced books and you can run a number of reports to see your financial data. GnuCash also offers small-business accounting tools that let you manage customers and vendors, handle invoicing and bill payment, and even payroll.

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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

AceMoney Lite bills itself as the best Quicken alternative. You can manage your budgets, track your finances in multiple currencies, keep an eye on your investments and analyze your spending habits. You can also do online banking. As this is the lite version, you’re limited to two accounts; the full version supports unlimited accounts.

AceMoney Lite is compatible with Windows and Mac OS X.

Personal Capital

Personal Capital offers free financial software for tracking investments and planning for retirement, in addition to its tools for cash flow, spending, budgeting and net worth. Personal Capital’s focus is on investments, showing you the performance of your portfolio over time and helping you make decisions for the future, so its budgeting components aren’t as robust as other software.

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.

Buddi

Buddi is an open-source budget software that runs on Windows, Mac, and Linux systems and has been translated into multiple languages. Buddi can encrypt financial data with a password, and it’s designed to be easy to use even if you have no financial background.

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

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.

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.

Conclusion

Every computer user requires a screen recorder at some point for various reasons. For example, you may need to record your screen to share it with others to illustrate the steps of performing a process. For example, you can record your screen to make a tutorial video. Besides, you can capture your gameplay and share it on various social media and video streaming platforms. However, if you want to record your screen without a watermark, you must opt for a free screen recorder.

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