Mac financial software for home and business
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. 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.
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. TechRadar pro IT insights for business.
Locating the Best Services
Future University. Image Credit: iStockPhoto. Best personal finance software 1. You can enter transactions manually if you didn't want to link your accounts. MoneyDance looks and feels like a checkbook, with the check register for transactions, but has charts and tables for reporting. It does budgeting but can also track your investments as well, albeit not as feature rich as others.
The free version has all the features as the paid version. The free version's limitation is that you can only enter manual transactions. Learn more about MoneyDance. Have you heard of Dave Ramsey? Many folks swear by his approach and EveryDollar is built with that in mind. His approach takes into account human psychology, rather than relying solely on math, and explains why it is so effective.
It also explains why ideas like the debt snowball work so well, we need to work with our biases and tendences if we hope to succeed. In zero-based budgeting, you assign every dollar to a category or job, in YNAB parlance. It's a level of rigor that can be refreshing or restricting, depending on your personality.
The app itself is beautiful, available on your smartphone, and there is both a free and paid version. Here's a tutorial video on how to build a budget:. Learn more about EveryDollar. GoodBudget is a free budgeting app based on the envelope budgeting method. Envelope budgeting is when you set aside a prescribed amount for each category of spending, then spend it down each month. It's one of the most popular money management techniques in personal finance.
The envelope refers to the manual method of managing these types of budgets where you put the money into an envelope. When you run out of money, you either borrow cash from another envelope or you make do. GoodBudget adds technology to the mix and will synch up bank accounts to help track your income and your spending.
You set the amount for each category and then watch as your spending nears the limit each month. It's available for both iOS and Android phones. GnuCash is a free open-source accounting software that, if you're willing to put into the work, can replicate a lot of the Quicken experience for those who are willing to scale the learning curve.
It features double-entry accounting every transaction must debit one account and credit another , which is effective but will require an adjustment if you're not used to it. The big benefit is that it does budgeting as well as investments. It's not strictly a budgeting tool. So you can pull in your data if your bank offers you the ability to export transactions. Dollarbird is another personal finance app with an eye towards collaboration and a monthly calendar.
You synchronize your accounts banking, brokerage, and credit cards with Dollarbird and they build a schedule of future income and expenditures to help with planning.
Dollarbird also offers a 5-year financial plan that lets you establish longer-term financial goals and track your performance against them. The innovation they bring to the table is the idea of calendar-based money management. Of all the alternatives on this list, I know the least about MoneyWiz despite them being around since They support practically every operating system you can imagine — everything from Windows to Android to iOS devices like the iPhone and iPad — and it'll synch them in real time. If importing from your financial institution concerns you, you can manually enter data as well and it works just as well.
For budgeting, you can work with their categories which are multi-level or add your own and subcategories. You can split transactions, bulk edit, tag, and create powerful reports. It won't pay your bills for you but does have notification features. It's a freemium product with the free version that has all the functionality minus synching across multiple devices and automated transaction downloads. PocketGuard is a fairly simple budgeting app that links your credit cards, checking and savings accounts, investments, and loans all in one place. It has a complete picture or at least what you tell it of your finances but its strengths is in the budgeting — how it updates and categorizes your spending as it happens and looks for opportunities to save.
Using your spending, it also builds a personalized budget based on your data as well as the goals you set for yourself.
They have a free version and a Plus version. The free version has all that you need for tracking your expenses and keep an eye on them. Plus gives you the opportunity to add your own categories, track cash transactions like income and bills. Wally is the last app on the list because they only handle budgeting. Most people who start using Quicken often do so to help understand their own spending. It isn't until your savings start growing that the investment portion becomes a bigger and bigger piece of the financial picture.
If that describes you and budgeting is what you care the most about, Wally may be for you. It's a beautifully designed app that helps you track your spending and understand your budget. Users have reported a few hiccups with the interface but if you get over the learning curve, and are OK with not having automatic transaction downloads, it's worth a try. It is free though, which is why they can't offer automatic transaction downloads. One could argue that manually entering them puts you closer in touch with your spending. Intuit created Quicken Online to try to compete with Mint.
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Near the end of , they gave up and acquired Mint. Afterward, they opted to shut down Quicken Online and sold the entire Quicken unit to H. Capital in Quicken Online no longer exists. Quicken does have an online experience, something they've only recently created, but it's not free and it's playing catch up. Some of the best tools out there are cloud-based.
Personal Capital, Mint, and many on this list store your information online. If they are somehow compromised, they potentially could leak your data. The ones that do not store your data in the cloud are less powerful but … they don't store your data in the cloud. Moneydance Personal Finance, which is included in the list above, is one alternative that is a local program and stores your data locally.
It still has the functionality of pulling data from hundreds of financial institutions so it will still save you some time. Tiller is a tool that integrates with a Google Sheet which is cloud-based and Microsoft Excel which local. They do store some of your information since they have to get the credentials to pull your data but it's not like other services that contain the credentials and the data. I haven't used Quickbooks and I'm not familiar with the world of accounting, but GnuCash is often cited as a powerful and free alternative to Quickbooks and Quicken.
It has a lot of features present in accounting software, like double-entry accounting and small business accounting, but many folks have success using it as a personal accounting software package. It's a software program you download and install locally, which means it's not cloud-based, and it's completely free. Any cloud-based alternative will work on the PC and a Mac.
It's cloud-based so they work in your browser, which makes them operating system agnostic. If you want a piece of software designed specifically to run on Macs, Banktivity is your best option. It's one of the few personal finance applications built specifically for the MacOS and it has the richest feature-set. Most importantly, especially if you use an iPhone or iPad, it seamlessly integrates among the three. Jim has a B. One of his favorite tools is Personal Capital , which enables him to manage his finances in just minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want.
It's free. He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a mix of properties through Fundrise. Worth a look and he's already made investments that have performed according to plan.
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I prefer a one-time fee rather than the constant reach into my wallet. MoneyDance I found very simple and a poor substitute. It reminds me of the things I loved about Quicken way back when. Big thanks to you Jim for telling me about it! I have used Quicken for many years, ever since Microsoft Money was discontinued.
It used to be great but today it is fraught with errors that cause me to spend more time trying to figure out what is wrong with the application and sync than I spend managing my spending and investments. I really do not want a cloud-based application. Call me old school but like have all of my information on my personal computer or in my file cabinets. Kind of like Quicken used to be? Agree with Tom. I have used Quicken since its very first version.
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For me it has always been not much more than an electronic check book for all of my banking and property accounts. And I plan to continue using my old version of Quicken as long as it works. But I absolutely do not want my data stored in the cloud. I agree with JV Smith. Brokerage info has to be issued to the IRS and you get a copy of that information and that takes precedent over anything in personal records so Quicken is all I need. All — if you want a good alternative Quicken — I now use Gnucash. I have been using it now for about 2 years ever since Quicken announced they were going to subscription model — YUK!
Give it a try. PS — you can import Quicken data into Gnucash. Personal finance software can help you master the basics, become more efficient at managing your money, and even help you discover ways to meet your long-term financial goals. Choosing the best personal finance software is based on your current financial needs. Some personal finance software can help you master budgeting and expense tracking while others can help with investment portfolio management.
Of course, your budget for personal finance software matters, too. Our list of the best personal finance software includes free and paid options to suit a variety of financial goals. So take a look before and get your finances in order in no time. Having been around for several decades, Quicken is one of the most established of all the personal finance software on the market.
You can use the software to manage various aspects of your financial life from budget creation to debt tracking, savings goals, and even investment coaching. The software features Excel exporting, which allows you to manipulate and perform additional calculations on your data. Some of the more advanced features include bill paying, which allows you to set up payments for your bills right from the software. You can even use it to track the value of your assets to have an accurate calculation of your total net worth.
The app is robust enough to manage both your personal and business expenses and even handles property management functions like rental payments from tenants. Mint is one of the most popular budgeting and expense tracking tools.