Us home finance software

Choosing the best personal finance software depends 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 and get your finances in order in no time. Having been around for several decades, Quicken is one of the most established 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.

One of the more advanced features includes 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. You can have the software pull in your bank and credit card information to analyze your spending and pinpoint areas where you can cut back to improve your finances. For more accountability, Mint allows you to set up alerts for things like due dates and low balances to keep you on track. These features help you avoid expensive fees on late payments and overdrafts from your bank account. Mint is free to download and use on iOS and Android devices, as well as desktop.

As you create your budget and manage your daily finances, the software provides you with tutorials that will help you tackle some of the tougher financial topics.

The software automatically links to your bank account, integrating your spending information for analysis and budgeting tracking. The traditional envelope budgeting system helps you stick to a budget by using envelopes to manage your money. Choose the financial goals that are most important to you, then add your bank accounts and set your income. You can try Mvelopes free for 30 days , too, before deciding which plan is right for you. Entering your tax information is fairly simple—you can import your W-2 information from your employer or take a picture of it and the software will transfer the information into the form.

The most basic version lets you file your federal and state return for free if all you use is form with no attached schedules. You can create your own budget, set goals and reminders, and sync your data between web and apps. Security is enhanced by encryption and multi-factor authentication.

You can also use Mint to track your investments and portfolio. Access Mint via the web or phone apps for iOS and Android. GnuCash is desktop software ; its features include tracking bank accounts, stocks, income, and expenses. GnuCash is based on double-entry accounting for balanced books and you can run a number of reports to see your financial data. GnuCash also offers small-business accounting tools that let you manage customers and vendors, handle invoicing and bill payment, and even payroll.

There is a companion app for Android that will let you track expenses on the go and later import them into the desktop software. You can manage your budgets, track your finances in multiple currencies, keep an eye on your investments and analyze your spending habits. You can also do online banking. As this is the lite version, you're limited to two accounts; the full version supports unlimited accounts.

Personal Capital offers free financial software for tracking investments and planning for retirement, in addition to its tools for cash flow, spending, budgeting and net worth. Personal Capital's focus is on investments, showing you the performance of your portfolio over time and helping you make decisions for the future, so its budgeting components aren't as robust as other software.

If you're not an investor or prefer fine-tuning your budget to getting the broad view, Personal Capital may not be the best fit. However, if you want to save for college or retirement, its free tools will show you whether you're on track. Personal Capital can be accessed via the web or apps for Android and iOS. Price: Free app, with fees for wealth-management services should you choose to use them.

To be blunt: Personal Capital is what you graduate to, from Mint. Both personal finance managers are free, easy and friendly to learn and use, and will show you a comprehensive view of your finances.

Personal Capital, though, has foregone budgeting and bill-payment tools to focus on next-level concerns. The concept is simple: Link your credit or debit card to the app, and whenever you make a purchase, the app rounds up to the nearest dollar and directs those extra pennies to an account.

So you keep tossing money into savings without really noticing it's happened. As Acorn has grown, so has its ecosystem, and now it really is competitive in the realm of best personal finance software. Grow is its educational arm — a robust set of articles and videos, available with or without an account. And with their Earn program, every time an Acorns user shops at select retailers the list is currently at about partner brands, including Airbnb, Home Depot, and Sephora , you get extra money back.

When financial pressures increase, it's easy to turn to measures like the lottery. You could win so big. But you probably won't, and the money you spent trying is just…gone. Yotta has come along to turn that model on its head. Fundamentally, Yotta is a free app that lets you save in an FDIC-insured account…and then gamble with it.

But not really a gamble. The creators of Yotta found a way to keep the thrill while replacing the risk with an incentive to save and upping the odds of winning. Yotta provides a savings account with a middling yield.

Plus — fun. And our testers found themselves more engaged in their savings and motivated to save more. Financial concerns are one of the biggest sources of stress in couples. Honeydue, personal finance software built for two, has set out to make it easier. Honeydue offers the typical features of personal finance software, but also provides the ability to mark an account as joint or just the responsibility of one person in the relationship.

Additional couple-centric features include marking a transaction for splitting, or notifying you both when a bill gets paid — particularly helpful for couples who divvy up the bills. Image Source: QuickBooks. QuickBooks also offers the option of adding its Payroll services for an extra fee.

The fee is prorated according to the services included in the chosen package. The Payroll packages include:. Intuit also offers QuickBooks Desktop for users who prefer to store all of their business information on a PC. However, the Desktop functionality is vastly inferior to QuickBooks Online in terms of capabilities.

Intuit offers several ways to learn and master QuickBooks personal accounting software. RichOrPoor is household accounting software distributed by Shortcutsoft, Inc. Shortcutsoft has sold professional personal accounting programs since its founding in Read more below to learn why RichOrPoor easily made our list of the best home accounting software.

Unlike other programs on our best personal accounting software list, such as Personal Capital, RichOrPoor is not a web-based program.

No information is transmitted over the Internet by way of the software. In this way, security is nearly entirely up to you. When you download RichOrPoor, it behooves you to ensure that your antivirus and malware programs are both up-to-date and strong enough to adequately protect your sensitive financial data. You do have the option of password-protecting your software, however.

This prevents intrusions by individuals in your home from whom you wish to prevent unwanted access. If this is the case for you, then secure storage of your password is vital. Furthermore, the information you enter into RichOrPoor is preserved only to the extent that you backup your data.

Performing regular backups each time you use the software guarantees that your most recent financials are saved in the event of a PC crash.

Any number of means is available to accomplish a successful backup. This includes utilizing Microsoft OneDrive, Dropbox, flash drives, SD cards or external hard drives, to name only a few. One of the things we liked about RichOrPoor is that you can test out the software for 30 days with no obligation. If you prefer another program and wish to stop using RichOrPoor, you may do so without spending a single penny.

However, if you do purchase RichOrPoor, you have an additional 30 days to use it. That beats much of the competing personal accounting software available today. RichOrPoor posts a lengthy list of awards and recognitions on its website.

Several 5-star reviews and ratings are prominently featured from a wealth of online reviewers. However, one note of caution: RichOrPoor encourages affiliate partnerships with sites that advertise RichOrPoor home accounting software. RichOrPoor can handle the financials for anything as complex as a small business.

By extension, this means that this simple personal accounting software can handle accounts for large families, too. However, unlike the free programs offered by Personal Capital, all of your financial data will need to be entered directly by you. RichOrPoor will not log into your bank, mortgage, car or investment accounts to verify and download your information.

For this reason, if you have complicated financials, but you still wish to download RichOrPoor accounting software for personal finances, be prepared to do a lot more work. Your total number of accounts may either make this task breezy or involved. The software comes with the ability to set up different account types. You can set up as many as you need, and the options are standard for personal investors and small business owners. Choices include but are not limited to:.

Families wanting to use the software for multiple members of the family may do so by creating separate files. RichOrPoor issues up to 33 reports and charts depending on your needs. You can print reports on your income, spending, copies of your budget, investment reports, and more.

No matter how much debt you own, how many revolving accounts you have open or the complexity of your asset management, RichOrPoor has a report it can print for you. This makes it a sturdy, sound little piece of accounting software. Small business owners are able to print liability reports, assets, company budgets, and more. Furthermore, you can print reports based on specific criteria that you specify. From there, RichOrPoor customizes the attendant report to your liking.

For instance, you can track company expenses related to a specific employee, customize the report, and print it accordingly. The same is true when it comes to printing reports for departments, categories or other filters that you set.

We liked that RichOrPoor can be test-driven for 30 days without any commitment to buy at the end of the trial. After that, the cost to download a fully functional version registered with Shortcutsoft, Inc.

There can be a real beauty in simplicity — in getting back to the financial basics. Oftentimes, we lose sight of the fundamentals while overthinking solutions to money woes or stressing over future goals and the impact money or lack thereof can have on them.

This is why we really appreciate sites like YNAB and why it made our list of the top 5 personal accounting software for home use. It presents a series of four profound, rock-solid principles that have consistently guided customers into the promised land of accomplished personal financial planning. Jesse Mecham, founder of YNAB, and his wife were newly married in early , with very little money to their name. To top it all off, they were still in school.

Whereas such scenarios typically foreshadow financial despair and ruin, Jesse and his wife beat the odds. Not only did they survive, but they thrived.

This was after two years of hard, real-world experience testing the Four Rules and making sure they worked. Today, YNAB has grown to 32 employees across several states and continents. YNAB has two subscriptions: 1 monthly or 2 annually. You can test run YNAB for 34 days at no charge. YNAB has one particularly inspiring case study posted as part of its site tour. It also reviews the Four Rules and how the couple was able to begin mastering the rules almost immediately.

More testimonials are provided through the YNAB blog, but an interesting factoid listed on the About Us page hints at many more satisfied customers. According to the details listed about the company, 19 of the 32 present employees became team members after using the YNAB personal accounting software.

The YNAB team provides ample online training and education. The YNAB blog is packed full of helpful articles about budgeting, debt, expenses, and more.