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10 best personal finance software and services that you can use

enero 21, 2020

Managing your finances can be one of the most crucial challenges you face in your life. very important to keep the leash on your finances as it will help you cut unwanted expenses and increase your savings. You can try to do it manually by recording and keeping track of all your bills and sources of income, but it would be counterproductive, to say the least. It is not possible to keep track of everything manually even if you want to. You need an app or software to help you do it. This is where personal finance software and services for Windows, macOS, Android and iOS come to our aid. Not only do they help you keep track of your monthly expenses, but they also allow you to see your trends and your financial forecasts, so you can always stay updated on your finances. There are many good apps out there that will help you do this. So we've collected the best of them here are 10 best personal finance management apps you can use:

Note: these apps are not in particular order, read the descriptions to find out which one is the best for you. In addition, we have included both native and web apps on this list, as some of the best budgeting and finance services offer web applications instead of native ones. It would not be wise to exclude them, as the list would not be complete without them.

Best personal finance and budget software

1. You need a budget

The budget is the most important thing that you should do if he or she wants to keep their finances under control. always good to start the month knowing your income and fixed costs. We all know this, but only a few of us really make an adequate budget. One reason behind this is the myth about the complexity of the budget. Although the budget is difficult, not impossible to learn. You need a budget or YNAB it makes the budget even easier to learn and use. There are four basic rules that YNAB tells you to focus on and let me tell you, if you focus on these rules, you will have a much easier time living your life financially. We will not go into detail, as it is not a complete review of the service, but we will provide an overview that will help us understand how easy and important it is.

So there rule number 1 is to "give every dollar a job" . This means that the moment you receive your earnings, every dollar should have a place to go to bills, purchases, food, expenses, health or savings. This way all your important financial decisions are made at the beginning of the month and you never miss an important payment. The fourth rule is the essence of the whole budget year, "Aging your money". What this basically means is that you should reach a point where every dollar you spend today should have been in your account for 30 days. Basically, you should be able to experience your last month's earnings.

When it comes to the same app, along with the desktop versions, has a web app supported by apps for iPhone, Android, Apple Watch and even Alexa . The interface of the app quite simple. You can add your bank accounts that will automatically record your earnings and expenses or you can do it manually. There is a list of expenses, money is assigned or possible create your own expenses . I like the feature that allows you to nest expenses in folders that allow me to make similar expenses in one place. It also allows you to create automatic bill payment functions that automatically pay your bills. It has many other features, but its best feature is how easy it is to make the whole budget experience. The app includes a 34-day free trial, so you can try it before buying.

Install: web app, iOS, Android, Alexa, watchOS (free trial, $ 50 / year)

2. Mint

Mint in many ways one of the first apps that made personal finance management software really popular. full of features supported by a user interface that is beautiful to look at and easy to learn and navigate. Mint basically claims to become the one-stop solution for all your finances. you can add multiple accounts and set it to populate mint automatically . In this way, everything is automatically updated on your Mint account without you having to hit a key. I love its smart recognition feature, which automatically classifies your expenses based on past habits . Like YNAB, it also has a desktop web app, along with apps for Android and iPhone.

Recently they launched a service that allows you to see your credit scores for free, essentially allowing you to verify your financial well-being as perceived by banks with a click of the button. However, this feature only works for residents of the United States. Mint the only finance management app that is free and yet reliable enough. The free aspect of Mint has a long tradition, as many of the other apps on the list and financial software in general cost a lot of money. The only drawback of Mint that the automatic download of your bank statements can be difficult at times. Also, there aren't many features that will help you manage your investment accounts. In addition to this, if you are looking for a simple finance management app, this may be the right solution for you.

Install: Web App, Android, iOS (free)

3. Banktivity 6

If you are looking for a complete financial software that not only allows you to manage your savings, expenses and bank accounts but also helps you manage your portfolio and other financial activities, Banktivity 6 is for you. Available only for Mac (including an iOS app), one of the most powerful financial applications I've ever used. It has a lot of features that you can truly understand when you download and use the app. For this reason it also has a little learning curve. But the time you spend setting up and learning Banktivity won't go in vain. It will allow you to maintain close adherence to all your financial responsibilities and revenues.

Like other apps on the list, you can allow the app to download data directly from your banks. With one click you can synchronize all your accounts in one place. Not only that, you can also manage your stock portfolio here. It has an integrated budgeting tool which is quite advanced allowing you to make your budgets with extreme precision . In addition, it automatically generates weekly and monthly reports which are a great way to get a quick overview of your financial situation. The app is the fastest when it comes to syncing your data. Since a full app on your Mac is also potentially much more secure than the web apps on this list. The app powerful enough to handle even the finances for small businesses you may own. This will be the only financial app you have ever requested.

Install: macOS, iOS (free trial, $ 64.99)

4. Quicken

sad that users who need the power and security of "Banktivity 6" cannot get it if they use a Windows machine. here that Quicken comes to their aid. Quicken for Windows is what Banktivity for Mac. Quicken also available for Mac users along with mobile apps for iOS and Android. However, I have always preferred Banktivity on Mac. But that doesn't mean Quicken is less powerful or safe. The choice between the two services basically depends on personal preferences and since the Windows user cannot use Banktivity, Quicken becomes king.

Quicken does everything Banktivity does, including automatic account synchronization, automatic expense coding, portfolio management, budget creation, automatic payment invoices and so on. The user interface looks more modern than Banktivity's because it uses more colorful graphics that are easier to decode. Only this feature makes it more useful for some users than Banktivity. Its overall cost even lower than Banktivity. However, this does not come with a free trial and you need to purchase the app to use it. But you won't be disappointed with your investment here. If you are looking for strong financial management software for Windows PCs, this is your best bet.

Install: macOS, Windows, iOS, Android ($ 64.99)

5. Moneydance

Moneydance another great and powerful app that can represent an alternative for both Quicken and Banktivity 6 as it is available for both Windows and macOS together with an app for Linux. However, doesn't have a mobile app for users Android . It has a simple ledger where you can manually create your own entries, upload your bank statements or allow them to access your account directly. I love its side calendar view which shows all invoices due on their due dates . easier to see which invoices are due when here than on any other app in the list.

However, by far its best feature is the charts. You can create charts and graphs for almost everything, including separate charts for your expenses, portfolios, asset allocations, currency history and more. All graphs can be created instantly and the fields are automatically filled in without having to do anything. You also have the option of creating your monthly budgets here. You can use the free trial version to check the app and purchase the pro version if you like it.

Install: Windows, macOS, Linux, Android, iOS (free trial, $ 49.99)

6. Pocketsmith

A direct competitor of Mint, Pocketsmith is an excellent web app that focuses more on the budget side of things. Of course, you can import all the data of your transaction to organize your expenses and things. But, where do you get in Highlights Mint, are the advanced budgeting tools that offers. You have the ability to create flexible budgets for each month. By far its best and most unique feature is the financial forecast. Based on previous data, the app intelligently predicts the amount of money you will have on a given date in a month. This really helps you deal with any unplanned spending, as you can literally see how much the new spending will impact your monthly budget at a glance. It has a free version but only allows manual feeding of transaction data.

Install: Web App, Android, iOS (free / $ 9.95 / $ 19.95)

7. Personal capital

Like Mint, Personal Capital totally free to use and therefore a direct competitor to it. also a web-based app that focuses on managing your wealth by synchronizing your bank accounts, creating reports and budgeting. However, Personal Capital differs substantially from Mint, focusing more on the investment side of things. more suitable for US citizens as many of its flagship features as hidden investment brokerage fees, retirement forecasts are based on U.S. financial rules and regulations. So this is the best for anyone living in the United States.

Install: Web App, Android, iOS (free)

8. Office hours

This is a little different and not for everyone. This app for freelancers or small business owners or entrepreneurs who bill their customers on an hourly basis. For these people keeping track of revenue is as important as tracking expenses. Office Time by far the best software they can use. Not only track their time efficiently, but also allows you to collect invoices directly from the app . Every time you work, you will show the money you earned in that session without having to do the calculation yourself. an app for people paid on an hourly basis.

Install: Windows, macOS, iOS (free trial / $ 47)

9. LearnVest

LearnVest takes a slightly different approach to financial management by bringing a human touch to the equation. This means that if you opt for paid plans, it is possible use the personal financial planner provided by the company . You can contact your planner by email or request a call from them. Other than that, the service is similar to Mint since a web app that does everything Mint does. However, it doesn't have an Android app (iPhone only). You can use the free version if you don't need the personal consultant but, frankly, this is the only main difference offered by this app compared to the others on this list.

Install: Web App, iOS, Android (free / $ 299 one-time payment + $ 19 / month)

10. AceMoney

If you are looking for a cheaper alternative to Quicken or Banktivity for Windows and Mac, this is the one for you. For nearly half the cost, this offers a set of features similar to both. However, this seems a bit old in that the user interface looks quite old. I would also like to point out that it got stuck a few times while using my review, however, I was using the trial version. You can do pretty much everything we should expect from financial software, including managing multiple accounts, expense trackers, automatic invoice payments, among others. If you are looking for a cheaper alternative, this may be the right solution for you.

Install: Windows, macOS (Free trial version / $ 39.99)

Get the most out of your finances with the best personal finance software

Managing your finances can be a problem, but this is one of the most important things you need to do. It's almost impossible to manually keep track of your finances, so you need software to help you do it. Most of the apps mentioned above have a free trial version, so use them before making a decision and let us know which one you decided to purchase in the comments section below.

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