List of personal finance software

Short description: none

Personal finance software can be used to track spending, create budgets, and plan for future expenses. Some software differs by feature support, software code and development transparency, mobile app features, import methods, Monetization model, privacy and data storage practices.

## Contents

* 1 Risks
* 2 Free and open-source personal financial management software
* 3 Proprietary personal financial management vendors and software
* 4 See also
* 5 References

## Risks

The use of expense tracking, budgeting, and other personal finance software carries some risk, most notably is due to the disclosure of a username, password, or other account credentials used to automatically synchronize banking information with an expense tracking application. Another significant area of risk is due to sensitive personal information that is stored anytime data is digitized. This risk may be compounded based on the security the software vendor has implemented as well as the availability of the data and where specifically it is stored (online or a local application). An often overlooked form of risk is due to the monetization model and privacy practices of the vendor or software provider, whether the application is "free" or fee based. Open source software is one way of potentially minimizing the risks of privacy and monetization related risks of data exposure.

The following is a list of personal financial management software. The first section is devoted to free and open-source software, and the second is for proprietary software.

## Free and open-source personal financial management software

Name | Written in | Operating system  | Mobile Presence | Software license | Description | Countries of origin | Last stable release date | Language

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GnuCash | C, Scheme, C++

Java (Android App)

| Microsoft Windows, macOS, Linux[1] | Android (limited companion app)[1] | GPL,[1] Apache License 2 (Android App)[2] | Personal and small-business financial-accounting software that supports tracking bank accounts, stocks, income and expenses.[1] |  | 5.11 / 30 Mar 2025[3] | Multilingual[1]
HomeBank | C, GTK | Microsoft Windows, macOS, Linux, OpenBSD, FreeBSD  |  | GPL[4] | Personal accounting software package[5] | Contributors in multiple countries | 5.9.4 / Jul. 10, 2025[6] | Multilingual[7]
KMyMoney | C++ | Microsoft Windows, macOS, Linux[8] |  | GPL (v2)[9] | Supports different account types, categorisation of expenses and incomes, reconciliation of bank accounts and import/export to the “QIF” file format | Worldwide | 5.1.3 / Jul 30, 2022[10] | Multilingual[11]
Android (via Termux)[12] | BSD[13] | A command-line based double-entry bookkeeping application. Data is stored in a plain text file, using a simple format, which the users prepare themselves using other tools. Ledger does not write or modify data, it parses the input data and produces reports. |  | 3.3.0 / Feb 8, 2023[14] | Multilingual

## Proprietary personal financial management vendors and software

Name  | Script error: No such module "Vertical header". | Script error: No such module "Vertical header". | Script error: No such module "Vertical header". | Script error: No such module "Vertical header". | Operating Systems  | Mobile Support  | Software Type  | Direct Cost  | Other Monetization Models  | Description

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BankTree Software  | Yes  | Yes  | Yes  | No  | Windows  | iOS, Android  | Standalone or Web-Based  | One-time fee, Yearly, Monthly  |  | Personal Finance and budgeting software for the Windows desktop pc, web browser or mobile phone and tablet
Banktivity | Yes  | Yes  | Yes  | Yes  | macOS  | iOS  | Standalone  | Yearly Fee[15] |  | Personal finance software for Mac OS.
Maxim Money  | Yes  | No  | Yes  | No  | Windows  |  | Standalone  | One-time fee  |  | Personal Finance and Investment Tracking software for professionals
Mint | Yes[16] | Yes[16] | Yes[16] | No[17] | Any  | iOS, Android  | Web-Based  | Free  | Financial product referrals[18] | Deprecated[19]
Moneydance | Yes  |  | Yes  |  | Any (JVM based)  |  | Standalone  |  |  |
Moneyspire | Manual or Automated  | Yes  | Yes  | No  | Windows, macOS, Linux, ChromeOS  | iOS, Android  | Standalone  | Yearly to stay on latest version  |  | Personal finance software for money management and budgeting for Mac, Windows, Linux and Chromebook.
MoneyWiz | Yes  | Yes  | Yes  | No  | macOS  | iOS  | Standalone  | Yearly Fee[20] |  |
PocketGuard  | Yes  | Yes  | No  | No  | Any  | iOS, Android  | Standalone or Web-Based for full functionality  | Lifetime, Yearly, Monthly[21] | Ads Free  | Personal Finance App to create budgets, track spending, manage debts, cancel subscriptions.
Personal Capital | Manual or Automated  |  | Yes  | No  | Any  |  | Web-Based  | Free  | Fee-based in-house financial planning. Primarily a wealth management company that provides free services to non-clients.  | Offers financial advising for a fee, which establishes a client-fiduciary relationship that they claim makes them less incentivized to sell private client data as they are bound by law to act in their client's best interests.[22]
Quicken | Manual or Automated[23] | Yes[23] | Yes[23] | Yes[23] | Windows, macOS (limited)[23] | Android, iOS[24] | Standalone or Web-Based for full functionality  | Yearly fee[23] |  |
You Need a Budget | Manual or Automated  | Yes  | Yes  | No  | Any  | Android, iOS, Apple Watch, Alexa  | Web-Based  | Yearly or Monthly Fee[25] |  | Differentiates itself by providing budgeting advice.

## See also

* Comparison of accounting software
* List of free and open-source software packages
* List of project management software
* List of spreadsheet software

## References

1. ↑ 1.0 1.1 1.2 1.3 1.4 "Free Accounting Software". https://www.gnucash.org/.
2. ↑ Fet, Ngewi (2019-01-11), Gnucash for Android mobile companion application. : codinguser/gnucash-android, https://github.com/codinguser/gnucash-android, retrieved 2019-01-14
3. ↑ GnuCash 5.11 Released, GnuCash Developers, 2025-03-31, https://github.com/Gnucash/gnucash/releases/, retrieved 2025-05-05
4. ↑ "HomeBank Support | Free, easy finance software, personal money management for everyone". Canonical Ltd.. http://homebank.free.fr/en/support.php. Retrieved January 18, 2018.
5. ↑ "HomeBank Features | Free, easy finance software, personal money management for everyone". Canonical Ltd.. http://homebank.free.fr/en/features.php. Retrieved January 18, 2018.
6. ↑ "ChangeLog". http://homebank.free.fr/ChangeLog. Retrieved 24 January 2026.
7. ↑ "Translations : HomeBank". Canonical Ltd.. January 14, 2018. https://translations.launchpad.net/homebank. Retrieved January 18, 2018.
8. ↑ "KMyMoney download page". https://kmymoney.org/download.html. Retrieved March 3, 2023.
9. ↑ "COPYING file". https://cgit.kde.org/kmymoney.git/tree/COPYING. Retrieved 18 September 2018.
10. ↑ "KMyMoney News". https://kmymoney.org/news.php. Retrieved 21 May 2019.
11. ↑ "iCash: Personal Finance, Money Management and Budgeting for macOS and MS Windows". Stan Busk. https://www.familycash.com. Retrieved August 19, 2022.
12. ↑ "Available Software - Termux Wiki". https://wiki.termux.com/wiki/Available_Software.
13. ↑ "Ledger: Command-Line Accounting". 15 February 2022. https://github.com/ledger/ledger/blob/master/LICENSE.md.
14. ↑ "Releases · ledger/Ledger". https://github.com/ledger/ledger/releases.
15. ↑ "Banktivity Enhances App with Direct Connectivity to Financial Accounts in the UK and Europe" (in en). 2021-06-03. https://www.businesswire.com/news/home/20210603005071/en/Banktivity-Enhances-App-with-Direct-Connectivity-to-Financial-Accounts-in-the-UK-and-Europe.
16. ↑ 16.0 16.1 16.2 "How it works". https://www.mint.com/how-mint-works.
17. ↑ "Mint bill pay is no longer supported". https://help.mint.com/Tracking-Your-Bills/1060777521/Mint-bill-pay-is-no-longer-supported.htm.
18. ↑ "Privacy". https://security.intuit.com/index.php/privacy.
19. ↑ Gross, Jenny (November 3, 2023). "Mint, One of the First Budgeting Apps, Is Shutting Down". NYTimes. https://www.nytimes.com/2023/11/03/business/mint-app-closing-intuit.html.
20. ↑ "MoneyWiz 2023 - Personal Accounting" (in en). https://www.wiz.money/pricing.
21. ↑ "Budgeting App Pricing Plans | PocketGuard" (in en-US). https://pocketguard.com/pricing/.
22. ↑ "Privacy Policy | Personal Capital". https://www.personalcapital.com/privacy-policy/.
23. ↑ 23.0 23.1 23.2 23.3 23.4 23.5 "Quicken 2018: Personal Finance, Money Management, Budgeting". https://www.quicken.com/compare.
24. ↑ "Manage your finances on the go with Quicken". 2014-10-01. https://www.quicken.com/content/stay-connected-your-money.
25. ↑ "Pricing | You Need a Budget" (in en). https://www.youneedabudget.com/pricing/.

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