16.08.2019
Stand Alone Personal Finance Software
Stand Alone Personal Finance Software Rating: 8,5/10 1876 reviews
How to Pick the Best Personal Finance Software For You. The best personal finance software is easy to use and helps you improve your money management. But with so many options out there, no single app or website is best for everyone. As a result, it’s important for you to research these and other options and pick one that best serves your needs. Excel Based Financial Software & Stand-alone Financial Software Financial Software Index Page 1 of 2. Barcode Ready Financial Accounting Software Barcode Ready Financial Accounting Software (Enterprise Edition) is fully capable to maintain all Company Financial accounting, Bookkeeping, Billing, and Inventory information, everything at one place with barcode support.
Personal finance software can be used to track spending, create budgets, and plan for future expenses. Some software differs by feature support, software code and development transparency, mobile app features, import methods, Monetization model, privacy and data storage practices.
Risks[edit]
The use of expense tracking, budgeting, and other personal finance software carries some risk, most notably is due to the disclosure of a username, password, or other account credentials used to automatically synchronize banking information with an expense tracking application. Another significant area of risk is due to sensitive personal information that is stored anytime data is digitized. This risk may be compounded based on the security the software vendor has implemented as well as the availability of the data and where specifically it is stored (online or a local application). An often overlooked form of risk is due to the monetization model and privacy practices of the vendor or software provider, whether the application is 'free' or fee based. Open source software is one way of potentially minimizing the risks of privacy and monetization related risks of data exposure.
The following is a list of personal financial management software. The first section is devoted to free and open-source software, and the second is for proprietary software.
Free and open-source personal financial management software[edit]
| Name | Written in | Operating system | Mobile Presence | Software license | Description | Countries of origin | Last stable release date | Language |
|---|---|---|---|---|---|---|---|---|
| GnuCash | C, Scheme, C++ Java (Android App) | Windows, Mac OS, Linux.[1] | Android (limited companion app)[1] | GPL,[1]Apache License 2 (Android App)[2] | Personal and small-business financial-accounting software that supports tracking bank accounts, stocks, income and expenses.[1] | 3.4 / 30 Dec 2018[3] | Multilingual[1] | |
| HomeBank | C, GTK+ | OpenBSD, Linux, FreeBSD, Microsoft Windows, Mac OS, AmigaOS | GPL[4] | Personal accounting software package[5] | Contributors in multiple countries | 5.2.2 / Oct 06, 2018[6] | Multilingual[7] | |
| KMyMoney | C++ | FreeBSD, Linux, Windows[8] | GPL (v2)[9] | Supports different account types, categorisation of expenses and incomes, reconciliation of bank accounts and import/export to the “QIF” file format | Worldwide | 5.0.4 / Apr 21, 2019[10] | Multilingual[11] |
Proprietary personal financial management vendors and software[edit]
| Name | Spending Tracking | Budgeting | Investment Tracking | Third-Party Bill Paying | Operating Systems | Mobile Support | Software Type | Direct Cost | Other Monetization Models | Description |
|---|---|---|---|---|---|---|---|---|---|---|
| Banktivity | ||||||||||
| Mint | Yes[12] | Yes[12] | Yes[12] | No[13] | Any | iOS, Android | Web-Based | Free | Financial product referrals[14] | |
| Moneydance | ||||||||||
| Moneyspire | ||||||||||
| MoneyWiz | ||||||||||
| Personal Capital | Manual or Automated | Yes | No | Any | Web-Based | Free | Fee-based in-house financial planning. Primarily a wealth management company that provides free services to non-clients. | Offers financial advising for a fee, which establishes a client-fiduciary relationship that they claim makes them less incentivized to sell private client data as they are bound by law to act in their client's best interests.[15] | ||
| Quicken | Manual or Automated[16] | Yes[16] | Yes[16] | Yes[16] | Windows, Mac OS(limited)[16] | Android, iOS[17] | Stand alone or Web-Based for full functionality | Yearly fee[16] | ||
| You Need a Budget | Manual or Automated | Yes | Yes | No | Any | Android, iOS, Apple Watch, Alexa | Web-Based | Monthly Fee[18] | Differentiates itself by providing budgeting advice. |
See also[edit]
References[edit]
- ^ abcde'Free Accounting Software'. GnuCash. Retrieved 2019-01-14.
- ^Fet, Ngewi (2019-01-11), Gnucash for Android mobile companion application. : codinguser/gnucash-android, retrieved 2019-01-14
- ^GnuCash Double-Entry Accounting Program. Contribute to Gnucash/gnucash development by creating an account on GitHub, GnuCash Developers, 2019-01-14, retrieved 2019-01-14
- ^'HomeBank Support Free, easy finance software, personal money management for everyone'. Launchpad. Canonical Ltd. Retrieved Jan 18, 2018.
- ^'HomeBank Features Free, easy finance software, personal money management for everyone'. Launchpad. Canonical Ltd. Retrieved Jan 18, 2018.
- ^'ChangeLog'. Retrieved 17 September 2018.
- ^'Translations : HomeBank'. Launchpad. Canonical Ltd. Jan 14, 2018. Retrieved Jan 18, 2018.
- ^'KDE TechBase:Copyrights - KDE TechBase'. KDE TechBase. Retrieved Jan 18, 2018.
- ^'COPYING file'. Retrieved 18 September 2018.
- ^'KMyMoney News'. Retrieved 21 May 2019.
- ^'KMyMoney - KMyMoney News'. KMyMoney. KDE e.V. Retrieved Feb 23, 2018.
- ^ abc'How it works'. Mint. Retrieved 2019-01-15.
- ^'Mint bill pay is no longer supported'. Mint.com. Retrieved 14 January 2019.
- ^'Privacy'. security.intuit.com. Retrieved 2019-01-15.
- ^'Privacy Policy Personal Capital'. www.personalcapital.com. Retrieved 2019-01-15.
- ^ abcdef'Quicken 2018: Personal Finance, Money Management, Budgeting'. Quicken. Retrieved 2019-01-15.
- ^'Manage your finances on the go with Quicken'. Quicken. 2014-10-01. Retrieved 2019-01-15.
- ^'Pricing You Need a Budget'. YNAB. Retrieved 2019-01-15.
Retrieved from 'https://en.wikipedia.org/w/index.php?title=List_of_personal_finance_software&oldid=899031239'
I have fond memories of using Quicken. As crazy as this may sound, Quicken showed me just how powerful computers could be. I was no longer just playing games or a writing programs to count to 100. I was managing my finances on a computer.There are, however, several great alternatives to Quicken and Mint. We'll look at five of the best replacement options, the first of which is an advertiser on my personal finance blog. It also happens to be my favorite and the one I use every day.
Personal Capital
Personal Capital has become an extremely popular tool to manage money. There are several reasons for this. First, it's free.
Jul 2, 2015 - There Is No Preview Available For This Item. This item does not appear to have any files that can be experienced on Archive.org. Gothic II: Gold Edition DRM-Free - PC Game - Full Download - Gog Games Title: Gothic II: Gold Edition Genre: Role-playing - Adventure - Fantasy Works on. Gothic noc kruka download. Apr 29, 2015 - Gothic II: Gold Edition Free Download PC Game Cracked in Direct Link and Torrent. Gothic II: Gold Edition brings together the excitement of.
Second, Personal Capital's financial dashboard manages every aspect of a person's finances. It tracks cash flow and enables you to see your spending by account and category. Further, it's a great tool to track your investments.
And YNAB follows a very interesting approach to budgeting. The goal is to live off of money you earned the previous month. As a result, you're not living paycheck to paycheck. It may take some time to get there, but I've found YNAB the best tool to support this type of prudent financial management.
Banktivity
For those with a Mac looking for software, Banktivity is an excellent choice. Much like Quicken, you can connect bank accounts, credit cards, mortgages, and even investment accounts. Once connected, Banktivity manages your entire financial life in one place.
I've found connecting accounts to be, while not perfect, workable. I've successfully connected investment accounts from major brokers, a mortgage on an investment property from Chase, and credit cards from Citi, Capital One and other issuers.
What I've found most appealing about Banktivity is that it just works. There is, however, one downside. The cost. The software set me back $64.99, which by itself would be fine. However, if I want to automatically download transactions, I must pay a yearly fee of nearly $45. In the end, the cost was worth it. But it's an important consideration, particularly when tools such as Personal Captial are free.
EveryDollar
For Dave Ramsey fans, EveryDollar is a good option. It is an online budgeting and money management tool. It comes in both a free and paid version. The paid version adds, among other things, online connectivity to your financial institutions.
The budget is broken down into categories, such as housing, transportation, and food. You can customize expense categories. Without the paid version, however, it's an entirely manual process.
Free Personal Finance Software
For those following Dave's Baby Steps, they are integrated into the budget. For example, save $200 and you'll see Baby Step #1 (save $1,000 for emergencies), increase by $200.
PowerWallet
The last Mint and Quicken alternative on our list is PowerWallet. This online budget tool enables you to link bank accounts, credit cards, loans, and investment accounts. I found the linking process to be smooth, with two exceptions. I was unable to link a retirement account at Fidelity and credit cards from Citi.
PowerWallet uses a cash flow model of budgeting. In the dashboard, it shows your cash inflows, outflows, and what's left. It also highlights your top spending categories. It does use an advertising model for revenue, so be prepared to see some advertisements.
Connectivity
One persistent problem with all personal finance software is issues connecting to financial institutions. I have yet to use one that didn't have at least one or two problems. I've found Personal Capital to be the one tool with the fewest problems. But you should expect to encounter some connectivity issues regardless of which tool you use.
'>I have fond memories of using Quicken. As crazy as this may sound, Quicken showed me just how powerful computers could be. I was no longer just playing games or a writing programs to count to 100. I was managing my finances on a computer.
From slide rule to online budget apps. Here are 5 alternatives to Quicken and Mint. (AP Photo)
Mint had a similar effect, only with the Internet. Now no longer tethered to a hard drive, I could manage my finances from any place where I could get an internet connection.
Sadly (or not), both programs have lost a step or two. Quicken is clunky by today's standards. And I've heard multiple complaints about Mint, especially about updating information from financial institutions.
There are, however, several great alternatives to Quicken and Mint. We'll look at five of the best replacement options, the first of which is an advertiser on my personal finance blog. It also happens to be my favorite and the one I use every day.
Personal Capital
Personal Capital has become an extremely popular tool to manage money. There are several reasons for this. First, it's free.
Second, Personal Capital's financial dashboard manages every aspect of a person's finances. It tracks cash flow and enables you to see your spending by account and category. Further, it's a great tool to track your investments.
The results of running Personal Capital's fee analyzer on my 401k.
Rob BergerIt enables you to link all of your investment accounts. Once linked, Personal Capital provides a wealth of information about your portfolio. From asset allocation to investing fees, this tool gives you easy insight into your investment portfolio. This is particularly helpful if you, like me, have multiple retirement and taxable accounts.
Finally, Personal Captial offers a retirement planning tool. You can see if you are on track to retire as planned. It even provides useful data on 529 accounts you may have for your children and tracks the value of real estate.
YNAB
For those focused exclusively on their budget, there's nothing better than YNAB (short for You Need a Budget). I've tried virtually every budgeting tool available, and YNAB is without question the most effective.
It uses a familiar spreadsheet format that's very easy to use. Categories can be assigned to your spending automatically. Once you've used the software for about a month, you'll rarely need to categorize expenses manually.
And YNAB follows a very interesting approach to budgeting. The goal is to live off of money you earned the previous month. As a result, you're not living paycheck to paycheck. It may take some time to get there, but I've found YNAB the best tool to support this type of prudent financial management.
Banktivity
For those with a Mac looking for software, Banktivity is an excellent choice. Much like Quicken, you can connect bank accounts, credit cards, mortgages, and even investment accounts. Once connected, Banktivity manages your entire financial life in one place.
I've found connecting accounts to be, while not perfect, workable. I've successfully connected investment accounts from major brokers, a mortgage on an investment property from Chase, and credit cards from Citi, Capital One and other issuers.
What I've found most appealing about Banktivity is that it just works. There is, however, one downside. The cost. The software set me back $64.99, which by itself would be fine. However, if I want to automatically download transactions, I must pay a yearly fee of nearly $45. In the end, the cost was worth it. But it's an important consideration, particularly when tools such as Personal Captial are free.
EveryDollar
For Dave Ramsey fans, EveryDollar is a good option. It is an online budgeting and money management tool. It comes in both a free and paid version. The paid version adds, among other things, online connectivity to your financial institutions.
The budget is broken down into categories, such as housing, transportation, and food. You can customize expense categories. Without the paid version, however, it's an entirely manual process.
For those following Dave's Baby Steps, they are integrated into the budget. For example, save $200 and you'll see Baby Step #1 (save $1,000 for emergencies), increase by $200.
PowerWallet
The last Mint and Quicken alternative on our list is PowerWallet. This online budget tool enables you to link bank accounts, credit cards, loans, and investment accounts. I found the linking process to be smooth, with two exceptions. I was unable to link a retirement account at Fidelity and credit cards from Citi.
PowerWallet uses a cash flow model of budgeting. In the dashboard, it shows your cash inflows, outflows, and what's left. It also highlights your top spending categories. It does use an advertising model for revenue, so be prepared to see some advertisements.
Connectivity
One persistent problem with all personal finance software is issues connecting to financial institutions. I have yet to use one that didn't have at least one or two problems. I've found Personal Capital to be the one tool with the fewest problems. But you should expect to encounter some connectivity issues regardless of which tool you use.