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. 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. You can install the software on one computer.
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. 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.
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. 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 day money-back guarantee is.
For business use , please buy one license per computer Moneydance is installed on, or per data file on a shared network , whichever is smaller. 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. 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.
An online service that's not slathered in effects and colours, 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.
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. An online service that's not slathered in effects and colours, 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 though with a Prime version. 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. 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.
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.
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.
Budget-friendly, loaded with free features. Mint is loaded with free features Find out how Mint works. Budget planner Say goodbye to spreadsheets with customizable budgets.
Track your spending Stay on top of your finances by seeing where your money comes and goes. 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.
There is a companion app for Android that will let you track expenses on the go and later import them into the desktop software. 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.
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.
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