What are the best software tools for personal finance?

Please list what you like about the software you use.


15 Answers 15


Mint.com—Easy solution to provide insight into finances.


  • Web based
  • Automatically updates all accounts
  • Free
  • Works in plain english
  • Supports large number of institutions
  • "Goals" feature lets you define and track savings goals
  • Clear spending reports help you balance your budget and identify areas to trim spending.
  • Dedicated support team as well as Community based support


  • Can not perform transactions though it - you can only view transactions
  • Can not track cash efficiently.
  • Web based - they store a copy of your credentials and transactions until you delete your account
  • Accounts often fail to update causing much frustration
  • Only works in the USA & Canada
  • And theyre is just too much going on in the site. Quicken.com was much more clean and straight forward. Mint is like a little kid trying to make you look at everything. ugh, hate it.
    – Jack
    Commented Aug 4, 2010 at 21:54
  • 2
    Mint.com would be just fine... if it could keep actually update the accounts once in a while Commented Aug 4, 2010 at 23:21
  • @d03boy - it took me 3 weeks for it to add my student loans. I seriously hate mint.com
    – Jack
    Commented Aug 5, 2010 at 15:02
  • 6
    Mint can NOT manually upload a QIF or OFX document. This means that there is no way to synchronize a bank if their automated system cannot support it. Only 2 out of 4 of my accounts are supported by their automated systems, the others perpetually report "Fix It!". Commented Aug 15, 2010 at 21:14
  • 1
    No other product comes close to making things as automated and easy to use. Sadly, it isnt perfect but they do a great job of trying to fix things. I have 19 accounts and all update daily with almost no issue. Takes the work out of budgets.
    – AdamV
    Commented Apr 9, 2012 at 23:49

GnuCash—Great for the meticulous who want to know every detail of their finances.


  • Free.
  • Locally stored, so you know you information is secure.
  • Can import statements from most major banks.
  • Supports American and Eurpoean banking data protocols (OFX and FinTS).
  • Tracks prices of currencies and common investments (stocks, mutual funds, bonds)
  • Scheduled transaction calculations (for example, splitting out principle and interest from a given loan payment).
  • Double entry accounting standards to helps with research and audits.
  • Complete reports and graphs make understanding you finances easy.
  • Budgets
  • Open Source software


  • Community supported, so getting answers to problems can occasionally be time consuming.
  • Designed for business accounting, so interface is sometimes more complicated the needed for personal finance.
  • Double entry accounting can be complicated for a beginner.
  • 1
    Then offer an answer you have some experience with.
    – Anonymous
    Commented Aug 4, 2010 at 22:36
  • 2
    @cyotee Just because I don't know about it doesn't mean that it isn't an option. Since this is community wiki others that have experience with it can edit it to add content.
    – brainimus
    Commented Aug 4, 2010 at 22:41
  • I tried GnuCash for a while. Don't love it but it's powerful
    – theo
    Commented Aug 12, 2010 at 13:36
  • 2
    This is my preferred. Great software, much more powerful than Mint; the only downside is that it takes more effort. Commented Oct 26, 2010 at 18:17
  • I would argue that for the average user, internet storage is far more secure than local.
    – Nick T
    Commented Apr 14, 2012 at 20:58

I like You Need A Budget (YNAB)


  • Integrated budget as key concept, not an afterthought. This is far and way YNAB's best feature, being able to plan what your money will do rather than monitoring it after it has been spent.
  • Refined interface that is visually appealing.
  • Easy setup and use.
  • Can manually enter or import transactions from any financial institution supporting Quicken.
  • Can track cash.
  • Free, frequent updates until the next major version. The updates sometimes include new functionality.
  • No forced upgrades or expiring download capabilities.
  • License allows installation on multiple computers.


  • The application is focused on day to day finances. Although you can track stocks, mutual funds, etc., the application does not provide specialized interfaces or tools for this activity.
  • Data not in the cloud, but you can sync to an iPhone app or an Android app. Data can now be in DropBox.
  • Beat me to it. YNAB is awesome.
    – roufamatic
    Commented Aug 5, 2010 at 16:14
  • Do you have a pros / cons list for YNAB?
    – Gates VP
    Commented Apr 9, 2012 at 1:06
  • "Data not in the cloud" would seem to me to be a potential pro as well as con, depending on your point of view.
    – user
    Commented Feb 6, 2013 at 8:39



  • Extremely flexible
  • Many available spreadsheet templates that can automate many tasks
  • Easy to import / export data
  • Easy to generate graphs / charts


  • Difficult initial set up
  • Less convenient than a dedicated budget solution
  • 3
    Great for everything except one aspect. It doesn't automatically download information from my banks. If it did that it would be absolutely perfect.
    – theo
    Commented Aug 12, 2010 at 13:37
  • in the same theme, google spreadsheet. pro is its in the cloud and a web app, a con is you loose a few graphing options. Commented Aug 31, 2012 at 2:32

Intuit Quicken.


  • Fairly Easy setup
  • Good Account Management
  • Lots of Flexibility
  • Will automatically pull transactions from most banks


  • Possibly too complex for many users
  • Bad file format
  • Unclear behavior
  • Why is Quicken good? And what's it's status now that Intuit bought Mint.com?
    – Anonymous
    Commented Aug 4, 2010 at 22:34
  • 1
    I use Quicken and while I have some issues with it it's the best Desktop Software I've found so far. Pros: Fairly Easy setup, Good Account Management, Lots of Flexibility. Cons: Possibly too complex for many users, Bad file format, Unclear behavior
    – theo
    Commented Aug 12, 2010 at 13:36
  • 1
    What does "bad file format" mean?
    – poolie
    Commented Jun 7, 2011 at 5:00
  • Native data files are not human-consumable like tab-delimited or CSV, and they're not accepted by many other pieces of software (though Quicken can IIRC export ledgers etc in Excel format)
    – KeithS
    Commented Feb 6, 2013 at 2:09

I'm a big fan of buxfer.com



Mvelopes is envelope-style budgeting in an online application. I've tried all of the other applications and I choose to pay for this one for the following reasons:

  • Automatically downloads transactions from banks
  • Envelopes let you spread income and know exactly what you have for each category at present
  • Billpay service that integrates with envelopes
  • 12 month spending plan(budget)
  • Debt tracker

I just switched (from the abandoned, but good MS Money) to Moneydance 2010

  • I always liked MS Money. I was sad when they killed it off.
    – theo
    Commented Aug 12, 2010 at 13:34
  • Isn't a free version still available?
    – Jaywalker
    Commented Nov 24, 2010 at 10:14
  • the free version doesn't support downloading anything.
    – superfell
    Commented Nov 24, 2010 at 16:04
  • @superfell I think the free version allows unlimited downloaded transactions but it only allows 100 manually entered transactions. Its just intended for trial purposes.
    – KevinS
    Commented Oct 27, 2011 at 12:25

For Mac it's definitely iFinance.


I use iBank for Mac to keep track of my expenses. I also use the iPhone version since they can sync over Wi-Fi and I can capture expenses right on the spot instead of trying to remember what I spent on when I turn on my laptop.




  • Free (and open source)
  • Easy to use
  • Locally stored, so you know you information is secure.
  • Can import statements from most major banks. (OFX)
  • Tracks prices of currencies and common investments (stocks, mutual funds, bonds)
  • Scheduled transactions
  • Graph / Reporting tools
  • Basic budget tool
  • Works on Windows, Linux and Mac OSX


  • Windows and Mac OSX support not as good as Linux support

For iPhone: iExpenseIt

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  • Highly customizable and practical.
  • Visual indicator of monthly budget vs expenses.
  • Overview of Today's spending vs daily spending average.
  • Expense Summary of total, average expense per day and top expense of the month
  • Repeat Expenses - allow recurring expenses such as monthly rent, mortgage, utility bills, etc.
  • Customize Detail / Simple monthly Budgets.
  • Store digital photo receipts.
  • Instantly generate graphical reports.
  • Dynamic reports view: Specify reports by criteria such as report by payment, by vendors, etc.
  • Supports VAT/GST.
  • and so on... see the link ;)

Money Manager Ex


  • It is free and open
  • Simple
  • Does not require an install. Can run from a USB key


  • Weak importing feature
  • No any localized rule (e.g. taxes)
  • No portable device support
  • crashes for me sometimes
    – Jaywalker
    Commented Nov 24, 2010 at 10:15

Emergency Account Vault (Windows)

I use it to store info about all of my accounts/assets in an encrypted document. It's more for keeping track of everything that is in your name than managing money. Good for situations when you need to quickly look up info about a specific account you own.


For any android device you can try: Daily Expense Manager - to track your expenses and a host of other apps to suit your specific needs.

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