Best personal finance software 2019

Good personal finance and budgeting software helps users control their spending and manage household money. Finding the right accounting program is not an easy task, especially for the starters, so we tried to analyze and describe all important features which will be handy for any user.

Price  
Special features  
Graphs & piecharts  
Supported OS  
34-day free trial, $7.99 USD per month
Monitor tax reports, connect bank accounts, track remaining budget
Yes
Windows XP or higher, Mac OS X (10.6 - 10.13), Android
Open source
Track fund fees & tax reports, connect bank accounts, set retirement goals, track remaining budget
Yes
GNU/Linux, BSD, Solaris, Mac OS X, Windows, Android
Open source
Connect bank accounts, track remaining budget
Yes
Windows, macOS, Linux, Android, iOS
Free
Connect bank accounts
Yes
Windows XP or higher, Mac OS X or higher
30-day free trial, $199 per year
Track fund fees, monitor tax reports, connect bank accounts, set retirement goals, pay online bills
Yes
Windows 7 or higher, Linux, Android, iOS
YNAB
YNAB
9 (50%) 9 (50%)
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YNAB is free personal budget planning software for Windows, Mac, iOS and Android users. It provides real-time access to user data, setting and tracking budget goals. There's a 30-day trial version, then you have to purchase the program for $7.99 per month.
Feature
  • Bank syncing
  • Integrated tools to plan budget
  • Setting the goal budget
Advantages
  • Balancing checking accounts
  • Credit card overspending
  • Building a budget according to expenses
Disadvantages
  • All data is stored in the cloud
  • No tools to track stocks, funds, etc.
  • Annoying alert messages
Official website:
youneedabudget.com
GnuCash
GnuCash
3 (75%) 1 (25%)
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GnuCash is a personal and small-business financial accounting program. It is freely licensed under the GNU GPL and available for GNU/Linux, BSD, Solaris, Android, Mac OS X, and Microsoft Windows. This tool is based on professional accounting principles to ensure balanced books and accurate reports.
Feature
  • Checkbook-style register
  • Projections for the future
  • Small business accounting
Advantages
  • Auto backup settings
  • Scheduled transactions
  • Comparing fund market price data
Disvantages
  • Double entry accounting package
  • Steep learning curve
  • No sync between desktop and mobile versions
Official website:
gnucash.org
MoneyManagerEx
MoneyManagerEx
1 (20%) 4 (80%)
download
Money Manager Ex is free, easy-to-use personal finance software. Organize your finances and keep track of where, when and how the money goes. It's open source and available for Windows, macOS, and Linux.
Feature
  • Budgeting and cash flow forecasting
  • Reminders for recurring bills and deposits
  • CSV support
Advantages
  • Dropbox support
  • Tracking of fixed assets
  • Run from a USB key
Disadvantages
  • No category filter
  • Lack of online banking
  • Time-consuming from start
Official website:
codelathe.com
AceMoney Lite
AceMoney Lite
4 (100%) 0 (0%)
download
AceMoney Lite is a freeware personal finance manager and supports all the features required for home or even small-business accounting needs. It works on Windows XP or higher and Mac OS X or higher.
Feature
  • Scheduled transactions
  • Multiple currencies support
  • Analyzing spending habits
Advantages
  • Planning of debts and mortgage payments
  • Integration with e-business, shareware and eBay
  • Easy import from other finance software
Disadvantages
  • Lack of online bill payments
  • No stock support
  • No mobile app
Official website:
mechcad.net
QuickBooks Pro
QuickBooks Pro
2 (25%) 6 (75%)
download
QuickBooks Pro is an accounting solution which offers such functionalities as account payable & receivable, project accounting and expense management. It works on Windows 7 and higher, Linux, Android, and iOS. Try the free version for 30 days, than purchase it for $199 per year.
Feature
  • Assistance in tax deductions
  • Invoice status tracker
  • Employee sick and vacation tracking
Advantages
  • Sample accounting reports
  • Bank account reconciliation
  • Inventory tracking for companies
Disadvantages
  • Issues with mileage tracking
  • Limited dashboard data drilling
  • No payroll function
Official website:
quickbooks.intuit.com

Conclusion

We have tested popular personal finance programs which help in organizing your budget and getting details about your expenses. Number one goes to GnuGash that is completely free and to QuickBooks Pro that is quite costly but feature-rich.

These are five personal finance apps for your Windows PC, if you use other budgeting programs than listed in this article - you are welcome to name them.

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