Top 20 Best Personal Finance Software
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Top 20 Best Personal Finance Software (2024 Latest Update)

20 Best Personal Finance Software – The world is evolving and people now have personal finance software. Do you know that personal finance software, or would you like to know them? In this article, we are going list them out and also explain them for you, so read this article and follow us as we lead you to 

Because of the different features and the benefits that each of them comes with, it has become very difficult for people to make a choice of the particular finance software to use. Because of personal finance software, most people no longer balance a checkbook, track expenses, and keep up with the bank balance. Let us now look at some of the basic features of finance software, they are as follows:

Top 20 Best Personal Finance Software

  1. Online banking services that allow automatic download of the transaction 
  2. It also allows for sending payments,
  3. Provides a graph and report,
  4. Has account register to show the transaction, 
  5. It has report groups.
  6. It provides details of spending
  7. It gives a balanced forecast to prevent bankruptcy. 
  8. Income and spending statement
  9. Allows check printing 
  10. It has a mobile app to allow easy access.

Top 20 Best Personal Finance Software

Here is the list of the 20 best personal finance software you may consider using to run your financial transactions.

  1. Banktivity
  2. Moneyspire 
  3. CountAbout
  4. Moneydance
  5. BankTree
  6. Buxfer 
  7. Money 
  8. Quicken 
  9. Mvelopes
  10. YNAB
  11. Capital 
  12. Microsoft Money
  13. KMymoney
  14. HomeBank
  15. Mint
  16. Clearcheclkbooik
  17. Alzex Personal Finance
  18. AceMoney Lite  Compare
  19. Doxo
  20. Mobills


Banktivity is a finance software that helps users who have bad spending habits to become aware of such habits. With activity you can analyze, synchronize, and integrate banks. It also helps users to categorize transactions, notwithstanding whether they are done manually or use the built-in bank connectivity options. accounts.

Banktivity eases the process of combining

  • Checks, 
  • Savings, 
  • Credit cards, 
  • Investment and other accounts. 

Banktivity features

If you choose to use Banktivity, as your finance software, here are the features of the software: 

  • Connectivity
  • Direct access
  • Direct download
  • Web download
  • Cloud sync
  • Privacy and security
  • Easy setup
  • Account forecast


Moneyspire is a personal finance software that brings together all your banking and financial activities in one particular place, thereby making it easier for users. money spare is user-friendly and easy-to-use software.

Moneyspire features

Some of the features of Moneyspire include:

  • Mobile app, 
  • Online banking, 
  • Balance forecast, 
  • Reconcile statement, 
  • Reports and charts, 
  • Import and export data,
  •  Multiple currency support,
  •  Customer invoicing, 
  • Check to print,


CountAbout is a personal finance software that users can use to import data from Quicken and Mint and synchronize data from banking, credit card, or retirement accounts automatically. Because of the nature of CountAbout, you cannot loose track of your finances. And you can also set up a budget in CountAbout very easily.

CountAbout features:

Imports data from Quicken and Mint

  • Thousands of financial institutions
  • Multi-factor login protection
  • Android and iOS apps
  • Category customization (add, delete, rename)
  • Tags (add, delete, rename)
  • Reporting for Account balances
  • Reporting for Category Activity
  • Reporting for Tag activity
  • Report exporting
  • Individual Account QIF importing
  • Budgeting
  • Running register balances
  • Account reconciliation
  • Graphs for Income & Spending
  • Recurring transactions


Moneydance is a personal finance software used to download transactions and send payments from several financial institutions that shows the users’ account balances, upcoming and overdue transactions and reminders, and exchange rate, and finally, it also enable users to see the summary and outline of their finances.

Moneydance features: 

Online banking and bill payment, 

Account management, 

  • Online banking
  • Summary
  • Graphs and reports
  • Account registers
  • Reminders
  • Mobile
  • Investments


BankTree is a personal finance software with great financial management tools that helps users to manage all their accounts in one application, with basic budgeting and reporting features that enable users to connect directly to their bank.

BankTree features:

Recording income and expenditure

  • Balancing accounts
  • Checking cleared funds
  • Scheduling payments and expenditure
  • Auto allocate categories
  • Allocating account transactions
  • Investment and portfolio management
  • Budgeting


This personal finance software (Buxfer)  is specially designed for managing your own expenses, and the expenses of your group, that is it helps you to budget. All the connectivity options you need are found in this personal finance software known as Buxfer.

Buxfer features:

  • Secure automatic sync
  • Upload statements
  • Reports
  • Budgeting
  • Forecast
  • Shared expenses


Money is an accounting financial software that enables users to be in charge of their finances. It helps users to track their investments be long-term or short-term. You can also manage multiple accounts with different currencies.

Money features:

  • Direct downloads, 
  • Data import, 
  • Automated payees, 
  • Tax, 
  • Investment, 
  • Account reconciliation, 
  • iCloud, 
  • Multitasking, 
  • And security


Quicken, this personal financial software is used for streamlining budgets and plans, it has been used by several business owners and institutions for streaming their organization’s plans and budgets as well.

Quicken features:

Pay bills in one place

  • Free phone support
  • Shows bank/credit card balances
  • Imports bank transactions securely
  • Puts your spending in categories
  • Imports from previous Quicken versions
  • Shows all financial accounts


Mvelopes personal finance software: this app is a personal finance management app that employs the use of an envelope system of allocated spending to help its users they can budget and manage their money. What that means is the ability to set money aside for expenses, in actual envelopes.

Mvelopes features;

  • Connect unlimited accounts
  • Goal setting
  • Auto transacting gathering
  • Access accounts anywhere
  • All accounts in one place
  • Past transactions
  • Online synchronization
  • Mobile app access
  • Real-time budgeting
  • Budgeting Bootcamp

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YNAB is a financial software that allows users to have total control over their finances and helps integrate users’ bank accounts. With YNAB finance software, you can share finances with a partner(s), and at any point in time, you can retrieve synchronized information from any device.

YNAB feature:

  • Bank syncing
  • On the go
  • Personal support
  • Debt paydown
  • Reporting bliss
  • Goal tracking


Qapital is an effortless, motivating,  personal finance software that was developed by Qapital for for Android and iOS. The users can do anything they want and still save for the things they want to also.

 Qapital features:

  • Checking Account
  • Chip-Enabled Debit Card
  • Sending Checks
  • Fraud Monitoring
  • Remote card lock
  • Goal-based Accounts
  • Required opening deposit

Microsoft Money

Microsoft Money can be used on computers or on mobile phones. it is an app that helps users to know how, much they have in their bank account balances, create budgets, and, other things. 

Microsoft money features:

  • Online bill payment,
  • Online investment quotes, 
  • Automatic statement downloads, 
  • Import data files,
  • Currency converter, 
  • And mortgage calculator


KMyMoney is personal finance software that was designed so that the users of the app can open and have access to their accounts and also keep careful track of their personal finances. It also ensures that your finances are accurately kept.

KMyMoney features:

  • Transaction tags enable transactions categorization
  • Performance issues spotted using profiler
  • Proper input methods support
  • Importing module
  • Online banking module


HomeBank: This is a free personal finance software for those who want to manage their personal accounting. Over the past 19 years, this software has been in use. Using some powerful filtering tools, home banks can analyze your personal finance,  budget, and finance.

HomeBank Features:

  • Cross-platform, 
  • Supports GNU/Linux, Microsoft Windows, Mac OS X
  • Import easily from Intuit Quicken, 
  • Microsoft Money or other software
  • Duplicate transaction detection
  • Automatic cheque numbering


Mint gives you updated information on your synced bank and credit card accounts, by displaying all your activities based on their categories. If the app can see your entire financial picture, it makes it easy for the app to work well.

Mint features:

  • Budgeting and tracking expenses
  • Creating and managing goals
  • Monitoring credit scores


In ClearCheckbook, you can use multiple locations with different devices to access it. ClearCheckbook uses a cloud-centered approach, so that, it is easy to log in transactions. It also makes it easy for joint account holders to check on their partner’s transactions.

ClearCheckbook features:

  • Running Balances
  • Automatic Backups to Dropbox
  • File Attachments for Transactions
  • Transaction Histories
  • Limit Histories
  • Multiple users per account
  • Estimating future balances
  • Importing CSV files

Alzex Personal Finance

Alzex Personal Finance: With this software account holders can identify at a glance where their money is taken to and how much is spent, thereby calling for no need to examine the reports. 

Alzex Personal Finance features:

  • Making more realistic budgets, 
  • Getting out of debt,
  • Teaching others how to use financial software

AceMoney Lite 

MechCAD; This personal finance software, has a dual function, it serves domestic and international customers. It is used to run online transactions and monitor accounts.

AceMoney Lite features:

  • Track the performance of investments
  • perform financial math in multiple currencies
  • Online banking
  • Don’t miss the next deadline for bills
  • Plan debts and mortgage payments


Doxo: This software is used to organize and manage all your finances and accounts in one place. Doxo helps you:

  • To schedule your payments, 
  • Monitor status
  • Track your bill payment history. 
  • To add all your bills and accounts


Mobills help you to organize your account in good order by placing them into different categories. It also helps users to organize their financial life.

Mobills feature:

  • Handy spending categorization
  • Helpful visuals
  • The free version has limited features
Amos Nya
Amos Nya is a Digital (SEO) Content Developer at Legit School Info is a team of Resource academicians and Consultants led by John Akpan. However, If you need personal assistance on this topic, kindly contact us.

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