Personal finance software is a computer application that performs functions linked to personal finance. These responsibilities might include keeping track of any money concerns or making general plans for the future. Personal finance software is a tool created to help an individual or family... Read more
Researched and Edited by Rajat Gupta
Last updated: April 2025
Researched and Edited by Rajat Gupta
Last updated: April 2025
Common Features
Financial Dashboard
Spend Tracker
Budgeting
Reports
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29% Software offers Free Trial
40% Software offers Freemium
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9.8
Spot Score
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Product Description
Quicken is the personal finance software that makes it easy to set and manage personal finances. Its a mobile apps give users the ability to access their finances everywhere, anytime – whether they're at home or on-the-go. With tools like enterprising budgeting and bill reminders, Quicken gives ...
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Free Trial available, Try Now
Pros & Cons
Streamlines tracking expenses and organizing financial records efficiently.
Provides a comprehensive overview of income, expenses, banking, investments, and real estate in one place.
Easy to use, even for long-time users, with a relatively intuitive interface.
Reliable customer support that resolves issues quickly.
Some users find the product creates files all over the computer, making cleanup challenging.
Requests for improvements in features like bill payment, annuities, insurance policies, and tracking tax deferred income.
9.8
Spot Score
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Product Description
Mint is a free, open-source personal finance software that helps users to stay on top of money. An easy way to track expenses, Mint does all the complicated math. Unlike other personal finance apps, Mint doesn't just track balance, it shows how much money is being put into accounts. It also ...
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Mint offers custom pricing plan
Pros & Cons
Simplifies budgeting and financial tracking by aggregating all accounts in one place.
User-friendly interface with intuitive features for creating budgets and setting financial goals.
Helpful for understanding spending habits, tracking expenses, and identifying trends.
Offers customizable budget categories and snapshots for easy financial planning.
Connectivity issues, especially with accounts from non-mainstream banks, credit unions, or specific services like Paypal.
Limited ability to customize transaction views or alerts based on specific criteria.
9.5
Spot Score
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Product Description
Albert is compact but brilliant. It helps personal finance experts manage their finances, reduce fees and monitor performance with ease, put money to work by accurately calculating the ROI of any investment option, and facilitate expenses by planning budget, categorizing expenses, creating ...
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Albert offers custom pricing plan
Pros & Cons
Quick and efficient customer service, resolving issues promptly.
Easy-to-use app with fast deposits and flexible repayment options.
Reliable in providing extra funds when needed.
Helpful for financial control and budgeting.
Costly service, considered expensive by some users.
Lack of clarity on certain features like grace periods, leading to confusion for users.
9.4
Spot Score
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Product Description
Say goodbye to guesswork and manual tracking! Spendee helps you keep your finances on track like never before - it automatically and thoroughly analyzes income and expenses and produces revolutionary insights for smart money management. With its modern interface and bank account integration, ...
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Free Trial available, Try Now
Starts from $1.25/Month when Billed Yearly, also offers free forever plan
Pros & Cons
Provides an intuitive user interface for managing finances easily.
Affordable budgeting app compared to other options available.
Allows categorization of expenses and revenues for better money management.
Supports tracking of daily expenses for effective control.
Lack of compatibility with new Android versions and PC user-unfriendliness reported.
Issues with app support, delays in responses, and unhelpful interactions with the team.
9.4
Spot Score
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Product Description
You Need A Budget is the software that manages personal finance. It shows how much individuals should be spending every month to stay within the budget goals. With You Need A Budget, user can create budgets for three different categories of expenses: groceries, entertainment, and ...
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Free Trial available, Try Now
Pros & Cons
YNAB provides a digital envelope system that helps users understand where their money is going, promoting better financial decisions.
Automatic importing of transactions from banks and credit cards simplifies tracking expenses and ensures users spend within their means.
Seamless transition between mobile app and desktop browser aids in convenient tracking and balancing of finances.
Helpful resources and videos assist users in understanding and utilizing the platform effectively.
Steep learning curve initially for setting up and understanding the platform, may require some time and effort to grasp fully.
Some aspects of the software are tricky to grasp, and newcomers might find the platform complex without sufficient support and resources.
9.2
Spot Score
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Product Description
Efficiently track and manage your finances with ease using Emma - the cutting-edge money management app. With real-time monitoring, Emma helps users save money by preventing overdrafts and identifying unnecessary subscriptions. This all-in-one solution conveniently connects to multiple accounts ...
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Emma offers custom pricing plan
9.1
Spot Score
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Product Description
Goodbudget is the personal finance software that helps to manage both income and expenses on a monthly basis. It's streamlined and web-based, so it won't require an installation on computer to use. Goodbudget has several features have found incredibly useful: The Month Viewer provides a quick ...
Read more9.0
Spot Score
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Product Description
Monarch Money is a personal finance software for Mac that will help to create, track and manage financial goals & bills, either for personal finance or company finances. Besides manage all of the accounts in one place, Monarch Money comes with customizable reports to track money by bills, ...
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Free Trial available, Try Now
Starts from $7.50/Month when Billed Yearly
9.0
Spot Score
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Product Description
Yolt is a new-generation personal finance software that lets individuals make automatic transfers to accounts without the hassle of trying to find banks or credit card companies online or configuring paper checks. Yolt is simple to use and low maintenance only requiring the minimum only ...
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Yolt offers custom pricing plan
Pros & Cons
Provides a clear view of all accounts with categorization of spending, aiding in better financial management.
Useful for tracking multiple accounts and offers insights into incomings and outgoings for improved budgeting.
Offers a debit card that can serve as a convenient substitute for a travel card.
Helps users understand their spending habits and take control over their finances.
Inconsistent and poor customer service, with delayed responses and lack of clear communication.
Accounts being blocked without valid reasons, leading to frustration and financial distress.
8.9
Spot Score
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Product Description
Buxfer is a free and easy to use personal finance software that helps to manage all the money and bills. Its main goal is to help individuals spend less and save more, using the power of numbers to help to guide financial life through the things to buy, the places to go, and the way to live. ...
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Easy to import bank statements and allocate transactions to predetermined categories.
Intuitive graphical analysis and speed of operation over historical periods.
Provides a centralized view of bank accounts for analysis and budgeting.
Automates operations, supports different account types, and integrates with most banks.
Mobile app experience could be improved for parity with desktop usage.
Limited connectivity with certain banks, requiring manual data export for in-depth reporting.
8.9
Spot Score
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Product Description
PocketSmith is financial software allows to create a comprehensive personal financial plan. PocketSmith can help to get organized and save more, track spending habits and credit usage, help to avoid overdraft fees, and provide a way to work out complex payment plans. It also offers exclusive ...
Read more8.9
Spot Score
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Product Description
EveryDollar makes it possible to make an informed financial decision for any budget. Simple, intuitive planning provides users with all the data they need to make excellent financial decisions. At the same time, EveryDollar sorts income by category, giving user a complete picture of the money. ...
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EveryDollar offers custom pricing plan
8.8
Spot Score
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Product Description
Welcome to Monzo, the revolutionary solution that is simplifying banking with its user-friendly approach. Banking made easy has never been more accurate with Monzo, your all-in-one digital financial companion. Ditch the hassle of traditional banks and their burdensome paperwork and hidden ...
Read more8.8
Spot Score
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Product Description
The Money Dashboard is the easy way to budget, track and analyze expenses in life. The Money Dashboard syncs wirelessly with all major banking institutions in Canada through SecureMoney, secure software. User can access account anywhere-on smart phone, online or on desktop. Record transactions ...
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Money Dashboard offers custom pricing plan
Pros & Cons
Provides a clear overview of all financial accounts, enabling easy tracking and planning.
Offers the ability to categorize transactions effectively, streamlining financial analysis.
Includes features like exporting to CSV and categorizing transactions that are highly useful for detailed analysis.
Constantly improving interface and functionality, with regular updates and improvements.
Lack of support for certain bank connections like HL and Chase UK limits usability.
Issues with syncing accounts, especially with platforms like RBS business accounts and Marcus, affect data accuracy.
8.7
Spot Score
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Product Description
Moneydance is a money management software. It is an easy-to-use, free financial planning package designed to help people create savings and retirement programs that fit their lifestyle and budget. Four modules control everything from banking and investments to auto expenses and entertainment, ...
Read more8.6
Spot Score
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Product Description
MoneyWiz Personal Finance Software is for those who want to maximize their financial potential and lead a happy and stress-free financial life. MoneyWiz is an advanced yet easy-to-use personal financial management system that will provide with all the tools needed to monitor the financial ...
Read more8.6
Spot Score
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Product Description
CalendarBudget is the simplified way to budget, track money and manage debts. It allows to create highly efficient budgets that will help individuals stay on track. CalendarBudget makes it simple to see the big picture so individuals can spend with confidence on what they love while managing ...
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Free Trial available
CalendarBudget offers custom pricing plan
Pros & Cons
Simplifies financial planning by providing a calendar-based view for easy management of income and expenses.
Offers customization options for categorizing transactions, making it easy to track and analyze financial data.
Provides a user-friendly interface with features like recurring payments and balance tracking on a daily basis.
Enables long-term financial planning by projecting future income and expenses accurately.
Lack of an extensive selection of colors and budget customization options may limit personalization for some users.
Limited resources and materials available for users to learn more about the app's features and functionalities.
8.6
Spot Score
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Product Description
PocketGuard is an online personal finance software individuals that install on computer. It's designed to track retirement savings, credit cards, home refinancing, mortgages, insurance, loans and other financial paperwork. It gives the reports and tools needed to make decisions about finances. ...
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PocketGuard offers custom pricing plan
Pros & Cons
User-friendly interface, making it easy to set up and manage accounts.
Reliable customer support that is responsive to users' needs and inquiries.
Useful tools such as hashtags for organizing transactions and providing insights.
Cost-effective pricing compared to competitors, offering good value for money.
Difficulty in canceling subscriptions, requiring additional steps beyond the online portal.
Challenges with credit card budgeting features, leading to confusion for some users.
8.5
Spot Score
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Product Description
Introducing Pallo, the comprehensive financial management platform designed to streamline and simplify your financial life. With the tagline "All-In-One Financial Management Platform," Pallo is the go-to solution for professionals, entrepreneurs, and small business owners looking for peace of ...
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Starts from $10.00/month when Billed Yearly, also offers free forever plan
8.4
Spot Score
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Product Description
Embark on a seamless personal finance journey with FinWise, where simplicity meets financial empowerment. At FinWise, they acknowledge the intricacies of managing money, yet they believe it should not be overwhelming. This state-of-the-art platform equips users with the resources needed to ...
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Free Trial available
