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Windows Personal Finance Software

Personal finance software for Windows can benefit you in numerous ways. These budgeting software helps you to master the basics as well as manage your money more efficiently. A reliable finance software app can also help you to meet your future financial goals. Some of the best finance apps can even assist with investment portfolio management. Others can allow you to navigate budgeting and track expenses proficiently. Therefore, it is very important to choose the best budgeting software as per your needs.

Here are some of the top finance software for better money management. The list below includes paid and free Windows finance apps to meet your diverse goals. Make sure to choose one based on your financial requirements and objectives.

Windows Personal Finance Software


Quicken is one of the most popular Windows finance software apps. It allows you to manage various functions, such as budget creation and debt tracking. You can also use the finance software for determining your savings goals. It can also act as a great tool for investment tracking.

You can export budget reports as Excel files using Quicken. This helps to do more calculations on the data. Moreover, the finance software can be used to set up payments for your bills too. There are options to track the accurate value of your current assets as well. It has a lot of financial reporting options.

Quicken can be the best personal finance software as well as a reliable business tool. You can even manage property management functions using the finance app. Quicken is available for iOS and Android devices too. This allows you to manage your money on the go across desktop and mobile.

Key Features:

  • Pricing starts at $34.99
  • View balances, budgets, accounts, and transactions at one place
  • Supports direct bill payments
  • Numerous financial reporting tools
  • Check investment performance


Mint is a free budgeting and expense tracking software. You can easily create different budgets on the web-based platform. This gives you the best money management suggestions based on your spending. There is an option to check your credit score on the Mint website as well.

You can view all the relevant bank and credit card information using Mint at one place. This helps to analyze your spending and track areas where you can save. You can also set up alerts for due dates for bill payments using the software. It even allows you to keep an eye on low balances for better accountability.

Mint supports categorizing your budget as well. This helps to retrieve real-time information about your expenses. Mint is a very versatile software platform. It can even help businesses to track their finances without much effort. You can also use it on iOS and Android devices. Mint QuickView is the dedicated app for Mac users.

Key Features:

  • No subscription required
  • Best personal finance software for beginners
  • Reliable expense tracking functions
  • Allows viewing banking and credit card information on a single dashboard
  • Alerts for bill payments and low balances


YNAB can be the best finance app for managing your monthly budget efficiently. The software also has many tutorials to improve your financial literacy. This way, you can tackle complex financial domains easily. It is also a great way to analyze your habits and set better financial management rules.

You can link your bank account to the software to check your spending information. This allows you to track your budget more resourcefully. It even helps you to understand if you are overspending. There is no investment tracking option in YNAB though. Still, it can be a great tool for personal finance management.

YNAB can help you to prepare for big future expenses as well. This way, you can deal with the situation without upsetting your budget. You can also be ready for the unexpected with improved financial management skills. There is a 34-day free trial available to check the features of YNAB. In addition, it gives a 12-month free trial to students too.

Key Features:

  • Pricing starts at $11.99 per month
  • Free trial available
  • Robust expense tracking
  • Best budgeting software for students and learners
  • Easy bank account syncing


GnuCash is the best personal finance software for Windows users. It is compatible with Mac and Linux as well. The accounting software is freely licensed and it is very easy to use. Yet it comes with many robust features. You can manage your bank accounts, stocks, income, expenses, and more using the app.

The best use of GnuCash can be as a checkbook register. The Windows finance software app is based on professional double-entry accounting principles. This ensures accurate reporting and balanced books. You can run any number of reports to check your financial data. Moreover, GnuCash also provides many productive accounting tools for small businesses.

You can manage customers and vendors, invoicing and bill payment, and do a lot more with GnuCash. It allows you to handle the payroll of your employees as well. It has a companion app for Android too. This makes it a great tool to track expenses on the go.

Key Features:

  • Free to use
  • Best budgeting software with double-entry accounting
  • Small business accounting tools
  • Checkbook-style accounts register
  • Accurate reporting and balanced books


Mvelopes is a simple envelope budgeting program. It helps you to stick to your budget and manage money more efficiently. You can break down your budget and use different envelopes for each type of expense. This will allow you to track your spending and cut the costs wherever applicable.

You can easily connect your bank accounts to Mvelopes. This helps you to create an online envelope budget quickly. You also get access to interactive reports using the software. There are three plans to choose from – Basic, Plus, and Complete. The Basic plan gets you started with money management. If you want more productive features, you can go for  Plus or Complete. It gives you access to Mvelopes Personal Finance Trainer and Mvelopes Learning Center.

All the Mvelopes subscription plans come with a 30-day free trial. So you can check the features included before subscribing to a particular plan. In any case, Mvelopes will help you meet your financial goals easily. It also keeps you updated with auto transaction importing and account balance monitoring.

Key Features:

  • Pricing starts at $6 per month
  • 30-day free trial available
  • Automatic transaction syncing
  • Access to Personal Finance Trainer and Learning Center
  • Interactive reports


TurboTax is one of the best budgeting software for tax preparation. It is very consumer-friendly and has robust tools to help you accurately file your tax return. You can easily import your W-2 information to the software or upload a picture of it. This will transfer your tax information into the form.

The software looks into over 350 tax deductions and credits. This helps to find every tax break you qualify for. That way, you can get a maximum refund on the tax return. TurboTax offers a free edition as well. It can be ideal for filing of your simple federal and state tax returns. The software will save your personal information for future use as well.

TurboTax has many paid subscription models too. They are designed for all levels of investing and investment types. You can automatically import transactions in the software too. This helps in seamless investment income reporting. You can also connect with a CPA or Enrolled Agent to get personalized financial advice.

Key Features:

  • Pricing starts at $60
  • Free edition available
  • Best personal finance software for tax preparation
  • Easy to find tax deductions and credits
  • Step-by-step guidance for filing your tax return


FutureAdvisor by BlackRock is an affordable Windows finance software. It is best suited for DIY investors who look forward to diversifying their portfolio. However, you must have at least $5,000 in investable assets to sign up for the finance app.

You can use FutureAdvisor to manage your assets for a flat annual fee. This is usually set at 0.5% of the managed assets per annum. FutureAdvisor provides you algorithmic investment advisory services. It consolidates the transferred assets into accounts at Fidelity and TD Ameritrade. You can choose any of that at the time of account setup for easy management. There is an option to deposit funds directly as well.

FutureAdvisor offers three types of investment goals when you create an account. This includes retirement, major purchase, and general investing. You can choose one as per your financial needs. You can also link your bank accounts with the software. This will give you recommendations tailored to your portfolio and goals.

Key Features:

  • Fixed fee for managing assets
  • Integration with Fidelity and TD Ameritrade
  • Best finance app for DIY investors
  • Different types of investment goals
  • Personalized recommendations for better asset management

Personal Capital

Personal Capital is a comprehensive personal finance software program. It allows you to manage all your financial accounts using a single dashboard. You can link your bank accounts, credit cards, mortgage accounts, and more to the app. This gives you a complete picture of your financial accounts.

You can connect multiple accounts with Personal Capital too. It avoids the hassle of switching between multiple screens to keep an eye on your budgeting. You can also get personalized financial advice for your financial goals on the app. However, you will need to have a portfolio of more than $100,000 for that. There will be an additional charge for the services of financial advisors as well.

Personal Capital allows you to set up and track your budget on the go. It also helps you to monitor your retirement and other investment goals easily. You also get deep insights to create a personalized, tax-optimized financial plan. Personal Capital is available for Android and iOS devices. It supports Apple Watch integration as well.

Key Features:

  • Annual management fee starts at 0.89% of the funds
  • Best personal finance software for a complete view of financial accounts
  • Easy to create a tax-optimized financial plan
  • Great retirement planner tools
  • Compatible with Mac, Windows, Android, and iOS


Tiller is the best budgeting software with Google Sheets integration. The unique finance software allows you to view all your financial accounts in one place. You can easily link your credit cards, loan accounts, investment portfolios, and more.

It extracts your financial information to a Google Sheet. This allows you to easily do calculations as needed. You can even download the data as Excel files and access it offline. There are options to choose different templates to organize your data as well. This way, you can easily customize the spreadsheet as per your needs.

Tiller also sends you daily emails with a summary of your recent transactions. It also includes your account balances. This makes it a flexible way to track your money on the go. It offers free weekly webinars to users as well. It can be a great way to learn how to create a budget and track your finances. You get 256-bit AES bank-grade security with the software as well.

Key Features:

  • Pricing starts at $4.92 per month
  • 30-day free trial available
  • Best Windows finance software for beginners
  • Google Sheets integration
  • Lots of customization options


Moneydance is a simple desktop money management application. It is designed primarily for Mac users. However, it works on Windows and Linux computers as well. You can handle multiple currencies with the app as well. This makes it ideal for managing virtually any financial task with ease.

The single-window interface of Moneydance makes it very easy to use. It gives you a 360-degree view of your finances, bills, expenses, and more. You also get many productive features with the finance software. This includes online banking and bill payment, budgeting, investment tracking, and more. The reporting features of Moneydance are very reliable as well.

Moneydance can automatically download transactions from the linked accounts as well. You can also send payments online using the app too. It supports hundreds of financial institutions for easy bill settlements. The account register feature in the finance app is especially notable. It allows you to enter, edit, and delete transactions in an account easily. The calculations are done automatically though.

Key Features:

  • Pricing starts at $49.99
  • Free trial version available with limited features
  • Wide compatibility
  • 360-degree view of all financial accounts
  • Can be used to manage multiple currencies

Factors to Consider When Choosing the Best Personal Finance Software

The best budgeting software will suit the needs of all kinds of users. No matter what your profession is, you can easily manage your finances with a budgeting app. From saving money to smart investing, you can find many tools to benefit from in a finance app. Yet choosing one can be tricky at times. Therefore, you should consider the below factors to make an informed decision.

The Finance Category

Have a clear idea of which personal finance category you need help with. Different Windows finance software apps offer tools tailored to different needs. For instance, YNAB or Mint can be ideal to help with budgeting. On the contrary, Quicken or Personal Capital will suit those who need help with investing. Likewise, TurboTax will be the best personal finance software for tax return filing.

The Level of Assistance

Decide how much personal assistance you need from the best budgeting software. Free finance apps may not offer the services of a financial advisor. At the same time, some may charge an additional fee for such services. Therefore, understand your financial skills carefully. This will help to determine whether you need more insights to manage your needs. Mvelopes can be the best finance app for financial advisor services. TurboTax can also connect you with experts for any needed guidance.

The Cost

The cost of finance software is always a major factor that can affect your decision. You can go for a free finance management application if you are on a limited budget. Moneydance and FutureAdvisor can be the best budgeting software in such cases. However, a paid version will come with many advanced features. Some of the best personal finance software offer free trial as well. This way, you can check the features before subscribing.

There can be many more factors to consider when picking Windows finance software. This may include cross-device compatibility, added functionalities, ease of use, and more. So, it is always wiser to carefully assess your needs and then sort the list of best budgeting software. Anyway, the above are the best personal finance software for all kinds of users.

Best personal finance software


Best budgeting app overall

Cost: Free

Mint is one of the most popular budgeting apps and for good reason. It is free to use, something rare among the best budgeting apps, and you get financial budgeting shared by 24 million users. 

The app allows you to create a personalized budget and will then monitor your spending. It studies your spending habits and advises how to increase your savings. It will also check your subscriptions to ensure that you are not paying for services you do not need. With MintSights, you can set goals to reach financial milestones and build a stronger financial foundation. Once you connect your accounts, you can easily navigate between outstanding account balances, your monthly expenses versus spending, and even access your free credit score. Mint is compatible with not just banking accounts, but also your credit cards, loans, and investments. You can even file your IRS taxes and receive your refund through the app’s integrated TurboTax services.

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.

Money Dashboard

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.


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 cheque book, 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.


Best budgeting app with digital envelopes

Cost: There is a free version with ads, or you can upgrade to an ad-free plan for $7 per month or $60 per year.

Goodbudget is a budgeting app that helps you create and stick to a budget. There is available debt tracking to keep you motivated and on track. It also helps with money management so you know exactly where your funds are and how they are performing. You will have to subscribe to Goodbudget, but once you do, you will have wide access to the app through both the web and multiple phones. This means that it is easy to share your account with others, like a spouse or family member. It helps you stay connected financially even if you are physically apart, helping to prevent miscommunications and financial mishaps. All transactions are synced to the cloud so you never have to worry about certain financial transactions going missing. Review pie charts and reports to track your spending, with generated reports to show your finances in greater detail. Digital envelopes help you categorize your finances into available funds with each envelope assigned to certain expenses. It is a visual way to improve your finances through the help of virtual tools. 

Personal Capital

Best budgeting app for investors

Cost: Personal Capital is free to use.

More than 2.8 million people utilize Personal Capital, and it is a portfolio tracker specifically designed to help with your investments, offering a unique digital approach to your personal finance. The app works with several different types of accounts, including your normal banking accounts, as well as investments, stocks, and retirement funds. The exclusive Retirement Planner tool helps you view your 401K, IRAs, and also your debt so you can have a complete, well-rounded portrait of your finances at the click of a button. The Cash Flow graph stacks your income versus your expenses for an overall financial snapshot that is easy to understand, plus there is an Investment Checkup tool that checks your investments, looking for ways to minimize risk while maximizing rewards. The Retirement Planner is an excellent option when you want to create and manage your retirement. You also have the option to join Personal Capital as an investment client so you can receive direct support from its financial advisors. 


Best budgeting app for overspenders

Cost: There are three subscription plans, in addition to a basic plan with limited features for free.

Type of planCost
Lifetime One-Time Purchase$79.99

PocketGuard takes a different approach to budgeting, utilizing smart algorithms to manage and track your spending. It also monitors your bills, helping to ensure that you do not miss a payment and risk falling further into debt. There is a bill tracker and organizer available as soon as you link your bank accounts. Any subscriptions you have will be automatically flagged and built into your monthly budget. With the IN MY POCKET feature, the app will automatically calculate your monthly expenses and then advise you on what is left over to spend. It also can help you negotiate better interest rates on your existing accounts, helping you save those extra dollars. It is easy to identify what disposable income you have to spend when the app does all the calculating and reporting for you. You do not have to pay to use PocketGuard, although you will need to subscribe if you want to access all of the best features.

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.

Free personal finance software

budgeting software

Managing your money successfully includes keeping a close eye on your expenses. One way to do that is to take advantage of free software and services. Free personal finance software can be surprisingly robust, helping you track spending, create and manage budgets, and run reports.


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 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.

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 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.


Use the right Personal Finance Software to help you better manage your finances. By choosing the right software, you can stay up-to-date on financial news, budget and track your stock market transactions, and invest for a better future. Additionally, using the software to improve your financial management can help you save more money each month. Thanks for reading!

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