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Ten years ago, there were no solid money apps out there. If you wanted to track your money, you didn't have many options beyond websites like Google Finance.
I got my start tracking our budget and net worth with a spreadsheet. I would learn about Intuit's Quicken software but it felt silly to pay for software to help me save money. It wasn't until later that other options, like Mint, started to appear.
Free Personal Finance Software for Mac OS X MoneyLine is a free personal finance accounting software for Mac OS X that allows you to track your money, bank accounts and spending in one location. Stay in control of your finances by tracking your spending and bank account balances at home no matter how many cank accounts you have. Available for Windows, macOS and Linux (there's also an Android app in development) HomeBank can be installed normally or as a portable app, and it makes the topic of personal finance easily. Banktivity 7 is a great alternative for dissatisfied Quicken for Mac users. This personal finance software has all the features competing Macintosh apps have and a few features typically available only on Quicken for Windows.
A great personal finance app can help you save more money and give you an instant snapshot of your financial situation in seconds. A lot of the problems we face when dealing with money have to do with decisions and information. We need to make a decision but we don't have enough information! To get it, we have to log into a lot of accounts, track a lot of data, and then analyze it before we make a decision. That's a tremendous amount of time that can be saved if you use a good personal finance app.
Today, you have free personal finance apps that are better than what you had to pay for years ago. Personal Capital, SigFig, Mint, YNAB, Mvelopes, … the list is long and distinguished.
Money apps have taken over and we all can benefit.
That's why earlier this year I polled the readers of Wallet Hacks for their “must-have, can't live without” money apps and here's what they said.
Best Money Management App – Personal Capital
A financial dashboard is a place where you can see everything involving your money in one place. Your assets, your liabilities, your net worth – all your financial accounts visible on one convenient page.
This is important because when that information is easily accessible, it's easily remembered and understood. We use it to pull in all of our data, though we ignore the credit card debt piece because we pay off our bills every month in full.
What's easier – logging into one account or logging into a dozen?
When it comes to a financial dashboard, the clear leader is Personal Capital. It has a rich suite of tools built around investments, with a nod towards expense tracking similar to Mint, so you can get a sense of where everything is at a moment's notice. If you're interested in a consultation with a financial advisor, they have that built in as well and it's something that helps them stand out from other similar services. It's how Personal Capital makes the money that supports the free tool.
This app is for you if: You want an instant snapshot of your finances, from your investments to your budget, in one place. Personal Capital is free.
Best Budgeting App – You Need a Budget
If you want to change your budget, You Need a Budget (YNAB) is one of the most powerful tools you can use because it does more than track your expenses – it actually helps you build and stick to a budget.
One of the biggest challenges in money management is in near-term planning. What are you going to do next week and next month? Redistricting app for mac.
Retirement can be decades away but you are spending money today and tomorrow. By getting the next month right, you go a long way towards getting your money situation under control.
YNAB has a four rule methodology that has worked well for its users.
If you open a subfolder, relative space will be shown as a percentage of the containing folder.
On the bottom half, you’ll see a visual representation of every single file on the system that’s color-coded according to its subfolder depth.
![App for mac like windirstat App for mac like windirstat](http://d2.alternativeto.net/dist/s/765f3c2e-010e-e211-a334-0025902c7e73_4_full.jpg?format=jpg&width=1600&height=1600&mode=min&upscale=false)
- Give Every Dollar A Job
- Embrace Your True Expenses
- Roll With The Punches
- Age Your Money
Another reason why YNAB is powerful has to do with its educational tools and community. You will not find this with financial tools like Mint. There are no Whiteboard Wednesdays to help you understand your money a little better. This is what separates them from the pack in many ways.
This app is for you if: You want to transform your budget and get your spending in line with your financial goals. YNAB costs $6.99 a month after a 34 day trial.
It's this methodology around the tool that really makes it powerful.
Budgeting Runner Up – Mint
For tracking a budget, Mint is one of the most popular budgeting tools out there and we wanted to list them because they are free to use.
If you don't have sizable investments, Mint is a very powerful tool that is better for budgeting but less effective for investments. Personally, I felt like Mint was fantastic up to a point. Once you focus more on investing than budgeting, Personal Capital has far more tools to help you succeed.
This app is for you if: You want to know where your money is going each month without having to log into multiple accounts. Mint is free.
Best Support Tool – Tiller
Tiller is a service that will connect with your bank and credits card to pull daily transaction data into a sheet on Google Docs. No other service out there offers this. You can choose to start from half a dozen templates or roll your own, but Tiller will update it automatically from 100,000+ financial institutions.
NOTE: When we surveyed of our readers, the number one “app” was Microsoft Excel. Far and away the most popular application for anything – budgeting, financial dashboarding, net worth, whatever category you picked – it was Microsoft Excel.If you see a list of “best apps” and it doesn't list a spreadsheet like Microsoft Excel at #1 — they didn't actually survey. They made it up. 🙂
That being said – Microsoft Excel is all about finding a template and customizing something that fits your exact needs. It can be a lot of work but that hands-on interaction means you know the data is pristine. You can rely on tools like Tiller to pull the transaction data too so you get the automation (it works with Google Docs).
I use Microsoft Excel to track our net worth, with Personal Capital pulling the data.
The apps on this list are pre-built, faster to get into, and free. If you're starting from scratch, these apps will get you there faster but will not fit you like a glove. Excel is like a custom tailored suit, these are off the rack.
Tiller automates your custom spreadsheet so it fits you perfectly. Don't change the way you do things to match a tool, plug in Tiller and bring your spreadsheet into the 21st century.
Tiller is a monthly subscription but it won't inundate you with advertisements or pitch you on their financial planning services as an upsell. (to be fair, other companies need to do that because they are free – the bills have to be paid!)
You get the customization of a financial spreadsheet but the automation piece so you don't need to login to all of your accounts and update everything manually. Removing that hurdle makes money management that much easier. They offer a free 30-day trial.
This app is for you if: You love spreadsheets or have one you've tailored but need a tool to help you pull the data for you. Tiller costs $4.92 per month after a 30-day trial. (here's more about Tiller)
Robinhood is a stock brokerage that offers commission free trades through their app or web interface. They're like any other brokerage, they use Apex Clearing Corporation, are a member of FINRA, and have SIPC insurance for up to $500,000 like any other brokerage. There is no account minimum, no maintenance fee, and you can even trade crypto if you're so inclined.
They make money by offering a Robinhood Gold subscription service that gets you margin and after-hours trading. If you want to trade stocks, I find it difficult to argue against a Robinhood and their free trades.
For a limited time, you can get a free share of stock from Robinhood.
Best Microsaving App – Acorns
One of the newest innovations in personal finance apps is the idea of a microsavings app – where you can automatically save small amounts of money and have it invested in the market. The idea is that these apps will figure out how much they can transfer into an investment account without you, or your budget, realizing. It's less active than traditional saving but more effective if you're the type of person who doesn't actively manage your budget on a daily basis.
One of the best in class is Acorns, which doesn't rely on a black box “guessing” how much to save. When you make a purchase, the amount is rounded up and transferred. This predictability is often seen as a better process than some other apps, which “guess.” Guessing can be a little scary.
Unlimited Recording. Record and Transcribe allows you easily to record and playback memos or interviews on your Windows 8 device. Just record with your built in microphone. You can send the mp3-recordings straight to your office or transcribe them by yourself. Free app for mac. Limitation of FREE-version: playback limited to 10 minutes per file.
They also have a “Found Money” feature with some partners where if you make a purchase with a merchant, they may contribute a small bit to your Acorns account.
Here is our full review of Acorns.
Best Personal Finance Assistant – Trim
If robots can help you invest, perhaps they can help you do some of the more mundane jobs you don't want to?
That's the idea behind Trim, and a whole host of similar apps.
Trim is free to use and they can help you renegotiate your bills like with your cable provider, including Comcast, Time Warner, and Charter. They connect to your accounts, analyzes your recurring subscriptions, and identifies areas where you could be saving money. Cable is just the start, they will look at other subscriptions too including your car insurance.
The best part is that they handle the negotiations for you. No more calling Comcast and navigating the phone menu for ages – they do it for you. If you want to cancel, they'll do that for you too.
Here is our full review of Trim.
Summary
There are a lot of apps, many of them free but some of them paid, that will help you save time, save money, and save gray hairs.
Take advantage of them!
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Personal finance software can help you to manage your money flow in a better way. Money management is the most critical task in both personal and business life. For helping the business owners and personal finance management, there are many finance software is available for Mac.
The budgeting apps are smart enough to send notifications to any unusual bank and credit card activity in real time. In addition to this, these finance managing software tools can notify you of any interest charged on credit cards and bank accounts. There are free personal finance software apps and premium budget software for finance management. Free budgeting software is also good enough to record and summarize your cash flow and help to manage your personal or business budget in every month.
Here is a list of best personal finance software for Mac to get the centralization and overview of spending habits.
Banktivity 5
Banktivity formerly known as iBank 5, is one of the best personal finance software for mac in Apple Store. YBanktivity finance management software is the best choice for those who want to track transactions and manage the personal finance, that is better than simple accounting software.
This Mac budget software can connect more banks and credit card accounts than other free software. The Banktivity Mac app can get enhanced investment support for bonds and offers dismissal of similar transactions from the bank data downloads. You can acknowledge your mistakes by comparing the past, current or projected projects.
Related: These iPhone Apps will Earn Money back While You Shopping.
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Through Banktivity cloud sync, you can sync your banktivity files on more than one device for free to get access to them whenever you want to. The app effortless manages your transactions, allowing control over the budgets, stock portfolios, etc.
Download: Mac $64.99 | iPad $19.99
2. MoneyWiz 2 – Personal Finance
MoneyWiz 2 allows you to efficiently control all your financial transactions, making this budget software a top choice among all the personal finance software for Mac. This finance software allows you to import the data from other apps and ensures a smooth run due to its sleek and sturdy interface.
MoneyWiz automatically monitors your financial transactions and assigns them in the needed budgets and build custom reports based what you acknowledge regarding your money. MoneyWiz 2 budget software is there to assist in online banking, downloading all your transactions and you can use any file on it from CSV, QIF, OFX, QFX to MT940 file.
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Make your transaction entry to be fast with the software. The finance software is helpful in budget tracking and protects your data with a PIN which can be set for a particular time period. The PIN will auto-erase on 10 wrong attempts for maximum security and comfort.
Download: Mac $24.99 | iPad $4.99
3. Debit & Credit – Personal Finance Manager
Looking for a personal finance software, that offers convenience and at the same time has the needed features, then Debit & Credit software is the right choice for you. With this budget software, you can easily reconcile your accounts with the bank statements for eliminating any disparities and getting the extra help to keep the accounts in shape.
Create a new transaction in a matter of seconds and save the locations of the places where you go often, helping you to record the expenses easily. Get clean and crisp reports along with Split categories, pending transactions, transaction export, file attachments (with sync), transaction tags. Debit & Credit Mac software comes in eight color themes available for selection in the settings of the software allowing you to customize your experience.
Related: 3 Free Smartphone Budgeting Apps to Monitor Finance Transactions & Alert
Download: Mac Free | iPad Free
4. Moneydance 2015
![Free Mac App For Personal Finance Free Mac App For Personal Finance](/uploads/1/2/4/6/124696051/202068839.jpg)
Moneydance is one of the best personal finance software for Mac handling multiple currencies and doing any financial task virtually with ease. This Mac Budget Software has more reporting options than the majority of other software inherits; giving you centralized access to all the data related to your financial transactions.
Follow your investments and focus more on your portfolio through the software. Never miss a payment by scheduling for single or recurring transactions. Send online payments quickly and attach images, PDFs, and other such files to transactions. It learns how to categorize the downloaded transactions automatically. Create and control your budget like a breeze also ensures the inflow as well as the outflow of money through Moneydance.
Download: Mac $49.99
5. Ms Finance
Standing out from the crowd, Ms Finance is there to solve all the troubles encountered with the previous personal finance software. The app makes the tracking and paying off bills convenient by bringing them at a single place.
It handles multiple accounts with the support for the transfers between same currency accounts. Create custom reports to show any financial data virtually through the report assistant. Forecast your financial requirements for the future through Ms Finance. Get accurate statements regarding the balances of your account to get the needed help. The developers of the software have tried to make the design and user interface to be intrusive and simple as possible to allow the user to access the features easily.
Download: Mac $14.99
6. Quicken 2
Quicken is well known for financial management and offer iPad and Mac software. This Finance Management Software can import all your bank transactions safely & automatically. This excellent software can automatically categorize your spending. The additional features like portfolio performance, make informed buy/sell decisions and find funds that fit your goals are nice features to make this one of the best finance software.
Quicken automatically generates bill reminders and pay your bills with Quicken Bill Pay and offer investment tracking, offline use & enhanced search
Download: Mac $74.99 | iPad Free
7. iFinance 4
iFinance is a personal finance software inheriting some great features, making it worth a try. You can easily compare your investments to the rest of the market. It is a good program that can easily handle the transactions of varying forms.
Free Finance Apps For Windows
The Mac finance software analyzes your finances and maintains its records through Cloud Sync or Wi-Fi. It gives the users easy to customize charts as well as reports; iFinance 4 clearly arranges the transaction lists of all your financial resources, group different types of expenses.
Download: Mac $29.99
Know how the assets perform with the reports made by the tool. iFinance offers the user a broad range of easy to customize charts and reports giving you the precise reports on the source of money and the spending without any trouble.
Best Personal Finance Software Mac
Best financial software must have the capability to securely connect all your bank accounts and credit cards in one place. This software can track your income and expense in real-time and advice to manage the budget and invest the money in diverse ways in the coming future. In addition to this, these financial software tools summarize all your monthly expenses and automatically set budget for each category to limit your spending.
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Through with these personal finance software for Mac, you can track your expenses and the balances of your account for the best management of money and credit cards. With efficient management of money, you can get early warnings regarding the upcoming financial fines, interest payments, and bills.