10 Best Free Personal Finance Software

10 Best Free Personal Finance Software

When it comes to money, you should manage carefully and it beneficial to keep track of your finance. Using a finance tool makes your work easier. In this post, I will show you some of the best personal finance software for tracking your daily finance tasks.

The best finance software enables you to plan a budget, track your expenses, and check your overall finances. Here is a list of the best free personal finance software.

1. GnuCash

If you are looking finance software for personal use or small business, GnuCash is the right option for you. This open-source financial accounting software enables to track your bank accounts, stocks, income and expenditures. 

Available for Windows 10, Mac OS, and Android. You can download for free desktop and mobile application. Free Download

2. Buddi

Buddi is a free personal finance software which lets you budget and daily financial tasks without a business background. It has excellent budgeting tools and a good looking interface that allows for tracking your incomings and outgoings within few minutes. This program licensed under GNU General Public License version 2.0 (GPLv2). 

Read also: 9 Professional Tax Preparation Software in 2020

3. Mint

If you are exploring free online budget planners, Mint is a good online tool for you. This web app developed by Intuit, the makers of popular finance programs like TurboTax and Quickbooks. You can easily see all of your financial data, such as spending, bills, budget, and credit score. 

4. AceMoney Lite

AceMoney Lite is another free personal finance manager that lets you track investment performance, spending, and build budgets. 


  • Create and manage budgets
  • Track 401k
  • Supports 150+ currencies
  • Track Stock options 
  • Track Employee Stock Purchase
  • Online banking
  • Track spending habits

5. Money Plus Sunset Deluxe

Are you looking Finance software for Windows 7, Windows Vista, or Windows XP? This free personal finance program is right for your PC and developed by Microsoft. Money Plus Sunset Deluxe is a very good tool for money management which help you to track personal financial accounts.

With this finance tool, you can create and track a budget, forecast your cash flow, and use it for planning to pay bills on time. This is also included financial reports and some income tax reporting features. Download

6. Personal Capital

Personal Capital comes with financial planning and wealth management features for Android, iOS app, and Web tool. You can use it for tracking investments, analyzing cash flow, spending, planning for retirement, budgeting and net worth. Using this tool, you can easily view all your money incoming and outgoing in one place.

 7. HomeBank

Great finance software added with helpful reports to keep you on the right path. HomeBank program is available for Windows, Mac OS, and Linux. Are you using other finance programs such as Quicken or Microsoft Money? You can import data to save on HomeBank. And generate month or annual budget quickly. 

Other Features like:

  • Duplicate transaction detection at import
  • Multiple currencies with online update
  • Cheque numbering
  • Automatic category/payee assignment
  • You can create various account types Bank, Cash, Asset, Credit card, Liability
  • A scheduled transaction with a post in advance option
  • Dynamic reports with charts
  • Vehicle cost
  • Transaction template
  • Category split
  • Internal transfer


8. Buxfer

Buxfer is a free personal finance online tool that assists you to import data directly from your bank account. With Buxfer, you are able to manage up to five accounts. It is free software with basic features, but there are also paid advanced version available price range from $1.99 to $4.99 per month.

9. Free Budget Spreadsheets

Using your own budget spreadsheet is an easy way to track your money. You can quickly build your financial planning spreadsheet. However, there are many online websites available for you to download free money management sheets.

10. Albert

This is a personal finance mobile app for iPhone, iPad, Android smartphones and tablets. Albert allows for tracking your spending, savings, meeting bills, and develop your financial IQ.  

Picking the best personal finance software depends on your needs and cost. This collection of free finance accounting software fulfil your basic money management and investment tracking needs, but if you are looking advanced features, you have to go with premium plans.