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Personal Money Management Software Uk

A good personal money management software, like the other types of ftp and file-sharing programs, is must-have for people who want to manage their personal resources well and independently. Here, I’ll share with you several examples of UK best personal finance software and reviews.

Personal money management software UK is a working solution to multiple financial problems. Whether you are an entrepreneur or a businessman, you need to understand the importance of managing your personal and business finances successfully. But this is not an easy task and it will be difficult for you to manage all your accounts in one place.

Personal money management software is a great way to organize your finances and make sure you are on track. Good personal finance software can help you organize, categorize income and expenses, set goals and alert you when you’re overspending in certain areas so that you can adjust. The best personal finance software lets you manage and keep track of your finances quickly and easily, from receipts and payments to income and outgoings.

Regardless of what type of work you do at a job, it would be appropriate to say that personal finance software is indispensable. Budgeting is one of the most important factors in your finances and choosing the best personal finance software can make all the difference. It might seem daunting, but you don’t have to go through it alone. We’re here to help!

What to consider with the best personal finance software

If you’re in need of some organizational clout, especially if you’re running a small business, picking a personal finance software package can help a great deal. Depending on your needs you’ll find that the best personal finance packages allow you to keep on top of things like receipt logging and managing expenses, all from within one program.

The other bonus is that most of the personal finance software packages allow you to share your data with your preferred tax and accounting software. That means you’ll be much better placed when it comes to tax filing time. There are personal finance packages tailored to both online and offline needs, with many having apps that let you track spending day to day. Cloud-based personal finance packages let you keep all of your data in a safe place too, so all bases are covered.

Personal finance features to look for


Desktop or mobile?

Have a think about where and how you’ll use your personal finance package. Most of us tend to spend money on the go, so having a software package that allows you to log and track outgoings means a mobile and app-based solution makes a lot of sense. Most packages offer both desktop and mobile solutions, however.


Reporting capability

While personal finance packages are great at helping you manage money and track spending, they’re also vital for producing reports. This data can subsequently be used for tasks such as filing your taxes or for sharing with an accounts person who does the job for you.


Easy integration

You’ll want to check that any personal finance software you’re considering will ideally work in tandem with other packages. This is crucial when it comes to logging items like expenses. Check your package can be used to move figures from one place to another for much more efficient tax filing purposes.


Help and support

As is the case with any software package, it’s always good to check there will be help at hand should you need it. Some personal finance packages come with free support, while others have it as part of a paid-for plan. How much help you will need depends on your confidence with the software.

Best personal finance software of 2022

1. Quicken

Best all-round personal finance package


Best for: All-round use

Platform: Windows, MacOS, iOS, and Android

Pricing: Tiered

Excel/Accounts integration: Yes

Today’s Best Deals


Reasons to buy


Fair pricing+

Secure online backup+

Desktop and app

Reasons to avoid

Slender app versions-

Rivals come cheaper

Quicken is a long-established tool for managing personal accounts, and while its reputation was built on a desktop version, it’s now available to run as an app on your mobile devices.

Quicken offers a good range of financial reporting tools. These are set around a few different areas, namely budgeting, bills, accounts, and even investments. For budgeting, it offers you a chance to input your purchases and income so you can compare them both together to get a better idea of how much you are spending compared to how much you are earning.

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.

For investments, it also offers the ability to track these, whether as part of your savings, investment portfolio, or 401k pension plan. This means you have a clear idea of how much your savings and investments are worth, though it’s fair to say you shouldn’t panic about short-term fluctuations in the stock market.

Altogether, Quicken brings together your budgeting, banking, and investment reporting into a single dashboard, which you can view from your desktop or even via your cell phone from the mobile app. 

Read our full Quicken review.

Quicken - Try it for 30 days risk-free!

Quicken – Try it for 30 days risk-free!
Start taking control of your money with the Starter package at $35.99/yr, manage your money and save with the Deluxe option at $46.79/yr down from $51.99/yr, maximize your investments with Premier for $70.19/yr, down from $77.99/yr or manage personal and business finances all in one place with Home & Business at $93.59/yr, reduced from $103.99/yr.

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(Image credit: YNAB)


Best for personal and business money management


Best for: Regular money management

Platform: Windows, MacOS, iOS, and Android

Pricing: Monthly/annually

Excel/Accounts integration: Yes

Today’s Best Deals


Visit Siteat YNAB

Reasons to buy


Free trial+

Easy installation

Reasons to avoid

Limited features-

Patchy useability

Just in case you need to be told explicitly what to do, along comes YNAB – short for You Need A Budget. Because, hey, if you don’t want to spend every single penny you have and more, you absolutely do need one. And perhaps you have more money than you thought?

YNAB’s primary mission, as you might expect, is to help you curb overspending and avoid living from paycheck to paycheck. Stick to the program, temper your spending appropriately, and eventually, YNAB will see you spending last month’s money rather than that which you’ve just earned.

It’s quick to install, supports the majority of transaction information downloadable from banks, and appropriately configures itself for personal or small business use by changing its monetary categories depending on your needs.

If you get off track, YNAB – which is reasonably forgiving and understanding for a bit of software – will tell you what you need to do to get back to where you need to be. You’ll have to make sacrifices, but if it’s the guidance you need, this sets itself apart from the likes of Quicken.

Read our full YNAB review.

YNAB - Get a free 34-day trial

YNAB – Get a free 34-day trial
If you’re keen to get a better grip on your finances then YNAB makes an ideal option to consider. There’s a free 34-day trial available currently, which will let you explore all of the features and functions, without any cash outlay.

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(Image credit: BankTree)

3. Banktree

Best for tracking in multiple currencies


Best for: Multiple currencies

Platform: Windows, MacOS, iOS, and Android

Pricing: Set fee

Excel/Accounts: Yes

Today’s Best Deals

View at BankTree

Reasons to buy


30-day free trial+

Supports multiple currencies

Reasons to avoid

Can be a bit tricky to navigate-

Needs their online banking subscription for syncing

BankTree is more than happy to support worldwide currencies, and in fact does a solid job if you’re working simultaneously with more than one, offering balances in multiple currencies rather than rounding them off into a single total. It’s also good for keeping track of everything, allowing you to scan receipts with its mobile app and import them later on.

It’s not the prettiest software around, and it’s slightly more awkward to use than many of its more refined cousins, although BankTree does produce very neat reports which you can break down by time, or by payee. It may be worth experimenting with the free trial before you choose to invest in this one.

The desktop software comes with one year of updates and support, though you are restricted to one PC and there is a charge for any additional PC you want to run the software on. There’s also a browser-based version available.

Whichever version you opt for, there’s a 30 day free trial available, so you can try before you buy to get an idea if BankTree will work for you.

Read our full BankTree review.

BankTree - Personal Finance

BankTree – Personal Finance
BankTree Desktop Personal Finance software is available now for just £35.00. We will provide you with free email support, and free updates, and bug fixes to the current version of BankTree Desktop Personal Finance version 3.0. You can install the software on one computer. Any additional installations are charged at just £5.00 per computer.

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Money Dashboard
(Image credit: Money Dashboard)

4. Money Dashboard

Best for personalized tags that make budgeting easier


Best for: Practical tools

Platform: iOS and Android

Pricing: Free

Excel/Accounts integration: Yes

Today’s Best Deals


Reasons to buy



High security+

Easy to use

The Money Dashboard iOS/Android app doesn’t try to reinvent the banking world or offer anything truly ground-breaking, but it is perhaps one of the most useful money management tools out there. Hook up every one of your UK bank and credit card accounts and you’ll be able to see each of your balances in a single place with a single login. That in itself is enough for us to recommend it.

But there’s more – Money Dashboard will track your spending, offering you an overall pie chart depicting your spending on loans, consumables, transport and the like. There’s an at-a-glance overall balance, showing exactly how much money you have available across all of your accounts, and you can compare this to the previous month’s figure to show how well you’ve been managing your funds. That’s a great motivator.

It’s super-safe, too: Money Dashboard locks down your login with an equivalent level of security to that of your bank, and it’s completely read-only – your money isn’t going anywhere.

There are apps available for Android and iOS, and surprisingly both are free to use.

Read our full Money Dashboard review.

Money Dashboard - Popular money management

Money Dashboard – Popular money management
Over half a million people use the award-winning Money Dashboard app, which makes it one of the most popular personal finance choices out there. It’s quick and easy to sign-up for free, which will allow you to explore all of the features and functions.

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(Image credit: Moneydance)

5. Moneydance

Best money management for investors


Best for: Investors

Platform: Windows, MacOS, iOS

Pricing: Per household

Excel/Accounts integration: Yes

Today’s Best Deals


Reasons to buy


90-day money-back guarantee+

Strong reporting features

Reasons to avoid

No Android app-

Lacking budget alerts

Made primarily for Mac users (but also out on Windows and Linux), Moneydance is a desktop money management package with a very neat single-window interface. Load it up and you’ll get an instant view of your finances, upcoming bills, recent expenses and more. Click an item in the left-hand sidebar and the main content changes to reflect it.

Its reporting features are quite strong if not spectacular to look at, and one of Moneydance’s most useful sections is its account register. If you’re old-school and once managed a chequebook, this operates on a very similar principle. There’s also an iOS app for logging transactions on the go, which later syncs with the software on your desktop.

Unfortunately for UK users, Moneydance doesn’t support the connection protocols used by UK banks, so you’ll need to download your transaction history manually to keep on top of it and revert to your bank’s own app to move money around. US users, however, are well covered.

The plan offered applies per household rather than per computer, which means that you are licensed to run it on multiple desktops at home. While no free trial is advertised, a 90-day money-back guarantee is.

Read our full Moneydance review.

Moneydance - Buy now for just £44.41

Moneydance – Buy now for just £44.41
For personal use, people who use Moneydance should buy one license per household, no matter how many computers you install it on, operating systems you use, people who use Moneydance, or data files you create. For business use, please buy one license per computer Moneydance is installed on, or per data file (on a shared network), whichever is smaller.

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Additional free personal finance software

(Image credit: Buxfer)

1. Buxfer

Best for managing personal finances on the go

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Buxfer Basic

Buxfer PilotUS$1.99/mth

Buxfer PlusUS$3.99/mth

Visit Siteat Buxfer

Reasons to buy


High level of encryption+

Free version

Reasons to avoid

Reporting options are limited-

Thin on investment options

An online service that’s not slathered in effects and colors, Buxfer does a good job of presenting your finances in a clean, professional manner. It cutely brags about the fact that it’s currently helping its users manage over four trillion dollars in funds, so it’s got a solid user base behind it.

You don’t have to give Buxfer your exact banking details if you’re uncomfortable doing so – you can opt for offline manual syncing with your bank account instead-but if you do trust it, there’s a layer of high-level encryption to protect your data and the company is regularly audited.

We like its budgeting tools best of all – the visual reporting is very strong, and the fact that it doesn’t force you into predefined categories and instead allows you to tag expenditures however you see fit means Buxfer should fit nicely into most people’s banking lives.

The free version gets you five budgets, accounts and bill reminders, the Pilot version adds on automatic tagging and bank syncing, the Plus version gives you unlimited budgets, and the Pro version includes online payments, advanced forecasts and more besides. Get it all through with a Prime version.

Read our full Buxfer review.

(Image credit: HomeBank)

2. HomeBank

Powerful finance software with handy reports to keep you on track

Today’s Best Deals


Reasons to buy



Imports data from other apps+

Supports unlimited accounts

HomeBank will appeal if you work on multiple platforms, or don’t use Windows by default. Available for Windows, macOS and Linux (there’s also an Android app in development) HomeBank can be installed normally or as a portable app, and it makes the topic of personal finance easily accessible. If you’ve been using another program – such as Quicken or Microsoft Money – to manage your finances, you can import data to save having to start from scratch.

You can add an unlimited number of accounts to the program, and they can be linked to each other to allow for easy money transfers – it is all entirely dependent on manual editing, though. With enough data entered, it’s possible to generate all manner of reports, including helpful predictive reports for car ownership and the like. Very much designed with the average person in mind, this is a personal finance app for people who hate personal finance apps.

Read our full HomeBank review.

AceMoney Lite
(Image credit: AceMoney Lite)

3. AceMoney Lite

A great choice if your financial affairs are relatively straightforward

Today’s Best Deals


Reasons to buy


Intuitive interface+

Available for Windows and macOS

Reasons to avoid

Only supports two accounts-

Doesn’t link to online accounts

Billing itself as an alternative to Quicken sets a high bar for AceMoney Lite, but it’s a target it manages to reach, even in its free, cut-down iteration. There’s only support for two accounts in AceMoney Lite, but this should be enough for many people. You can even use the program to keep track of your PayPal account.

Managing accounts in different currencies is no problem, but you’ll have to enter data into this free personal finance software rather than having your transactions pulled in from your bank account. That said, if you download statements from your online bank account, these can then be imported to saved time with manual entry. AceMoney Lite also makes it easy to track your spending and investments, making it a reasonable financial tool for anyone looking to take control of their finances.

Read our full AceMoney Lite review.

(Image credit: GnuCash)

4. GnuCash

Flexible enough for home users and small businesses

Today’s Best Deals


Reasons to buy


Imports data from other apps+

Payroll for small businesses+


GnuCash is simple enough to be used for home finances but flexible enough to be put to use by small businesses as well. While the software is easy to use, the fact that it’s suitable for small business accounting is thanks to the inclusion of a number of extra features that you would not necessarily expect to find – support for payroll management and double-entry accounting, for instance.

Although relatively easy to use, this free personal finance software does really require some familiarity with accounting software, and it’s simple to migrate from another program because you can import data in QIF and dOFX formats. Support for expense tracking makes this ideal software for preparing for tax season, and there are a huge number of reporting options to help you to make sense of your cashflow. The software is available for macOS, Windows and Linux, as well as Android, and it’s highly recommended that you try out this great tool before you consider any of the paid-for alternatives.

Read our full GnuCash review.

(Image credit: Buddi)

5. Buddi

Clear and well designed – ideal if you’re new to finance software

Today’s Best Deals


Reasons to buy


Well designed interface+

Excellent budgeting tools

Reasons to avoid

Requires Java

Proving that free personal finance software doesn’t have to be complicated, Buddi keeps things about as simple as they can be. In a matter of minutes, you can set up all of the accounts you need and start keeping track of your incomings and outgoings.

Money can be easily pulled from and moved between different accounts, and Buddi can generate all sort of reports about your spending and earnings broken down in a variety of ways. If you’re looking to save money, the program can help you to stick to a budget and for anyone who is completely new to the concept of accounting, the Buddi website has a number of helpful guides to help get you started.

On the downside, Buddi requires you to have Java installed which is not going to be to everyone’s liking, and the software itself has not been updated for a little while. Neither of these two factors are enough to stop us from recommending that you take a look at the program – it could well be just what you’ve been looking for.

Read our full Buddi review.

How to choose the best personal finance software

Picking which personal finance software package to use is pretty straightforward. The main thing is to consider what you’ll need it for, and how much you’ll be using it. After all, there’s little point in purchasing a premium personal finance package if it has got lots of features you’ll never use. 

If you have reasonably basic budgeting needs to cater for, such as managing personal finances along with tracking your spending, then keep it simple. the great thing with many packages is that they can be configured to work as much or as little as you need them to.

For example, you may be a little disorganised when it comes to budgeting, so having software that can help with setting goals can be really useful. Setting up your personal finance package to assist with reach goals, and ensuring it lets you know if you’re slipping behind schedule can be invaluable. 

If you’re fairly good with your money and feel confident about how you manage cash then it may be that you’ll want a more sophisticated personal finance package. Some of the more advanced options allow you to take on investments, offering a sophisticated range of tools for making your money work more efficiently.

Everyone has different needs when it comes to managing personal finances. That means the range and choice of best personal finance software packages is expansive, which is great for us, the consumers. 

The best starting point if you’re on the lookout for the best personal finance software package is therefore to decide just how complicated you think your money matters are. If you run a tight ship and are quite good with your finances, then a basic package will more than suffice.

Consider factors including how much you spend eating out each month and what sort of credit card terms you’re working too such as managing monthly payments. You might want to factor in how much you need to save towards a pension. The best  personal finance software can help with these, and more.

However, if you’re not organised, you’ll want to look at more complex personal finance packages that can do a lot more of the money management legwork. More sophisticated packages can help you become better at budgeting, keep track of incomings and outgoings and build up an archive of your financial affairs. 

This can also be beneficial come tax filing time too, with many personal finance software packages integrating with some of the best tax software (opens in new tab) on the market.


Personal money management software UK is a piece of software or an application that deals with activities related to personal financial matters. This program is a must-have when it comes to managing personal finance which can be quite difficult as a time-management aspect.

In today’s world, financial services are more accessible than ever. There are numerous options when it comes to making payments, transferring funds and lending money. The sheer number of lenders, banks and e-wallet providers can make it difficult for the average consumer to distinguish between products and providers. This is why personal money management software UK has become so popular in recent years.

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