You can even use it to track the value of your assets to have an accurate calculation of your total net worth. The app is robust enough to manage both your personal and business expenses and even handles property management functions like rental payments from tenants. Mint is one of the most popular budgeting and expense tracking tools. You can have the software pull in your bank and credit card information to analyze your spending and pinpoint areas that you can cut back on spending to improve your finances.
For more accountability, Mint allows you to set up alerts for things like due dates and low balance to keep you on track. These features help you avoid expensive fees for late payments and overdrafting your bank account. As you create your budget and manage your daily finances, the software provides you with tutorials that will help you tackle some of the tougher financial topics. The software automatically links to your bank account, bringing in your spending information for analysis and budgeting tracking.
The traditional envelope budgeting system helps you stick to a budget by using envelopes to manage your budget. Choose the financial goals that are most important to you, then add your bank accounts and set your income. There are several different versions to choose from one of the versions is free with some of the higher-priced options providing additional features and coaching options.
Entering your tax information is fairly simple — you can import your W-2 information from your employer or take a picture of the form and the software will transfer the information into the form.
Personal finance software for Mac
Start with the preset budgets, like "Restaurants" and "Transportation," or create as many custom categories as you like. After doing so, the software will automatically fill them in. We love that Mint is a free personal finance app — but that does mean putting up with banner ads. Quicken is made by Intuit, the same parent company as Mint. It feels similar, with an equally user-friendly interface and tools, minus the distracting credit card and loan ads.
Along with being ad-free, Quicken is a bit more robust than Mint. It uses a downloadable desktop app rather than a browser-based one, which has some perks. For instance, you can build out a calendar to track budgets, bills, and savings over time. To stay up to date with this calendar, the app lets you create customizable pop-up alerts for your desktop. Quicken tracks your budgets, bills, and expenses in a customizable desktop calendar.
Unlike Mint, which offers suggestion boxes — plain-English translations of what you should enter — Quicken expects you to be well-versed enough in finances to know where to find account numbers and the tools to run reports. Quicken is also a good choice if you have multiple accounts or larger assets to track since the desktop application is well-suited to manage built-out portfolios. Sheer capacity is one thing, with its wide array of tools, but security is another; everything is stored locally on your computer.
iBank 5 review: Personal finance Mac app corners the market on your money
It also allows you to see summary reports of your holdings, invaluable if there are too many moving pieces to otherwise view concisely. Quicken does have a comprehensive Support section on its site to help you troubleshoot, and the software is intuitive enough that you may not have many questions if you have experience with money management.
But we were still disappointed by its weak live support. While it has a decent rating on the Apple app store, it earns an abysmal 2. This software takes a unique approach to budgeting. Instead of making a hypothetical plan for future money, YNAB works with the cash you have on hand.
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It asks you to allocate all of your income: Instead, every dollar is put toward a specific purpose, which is what YNAB means by its first rule: YNAB had us import each account separately, as opposed to pulling everything at once as Mint did. This took a little longer, but it made us think critically about how we wanted to prioritize our finances.
This setup process lays the foundation for thoughtful money management from day one. YNAB also walks you through budget planning with plainly worded, helpful tutorials. To really succeed, though, you need to take the Get Started Webinar before anything else. Trust us on this; we tried crafting a budget without it and were a little lost. What was Age of Money? What were Immediate Obligations and True Expenses and how were they different? Then we took the webinar, and everything clicked. These awesome resources take YNAB from a budgeting platform to a one-stop-shop for becoming financially responsible.
Maybe you get a pricey Uber and overspend on your Transportation budget. YNAB has tons of budget categories. You can choose which ones to use based on your individual financial needs. Compared to our other top picks, YNAB is a bit of a one-trick pony. Everything relates back to your budget: Income, expenses, and goals are all presented in terms of dollars allocated and dollars to be allocated.
This is great for keeping you on track, but it also means that YNAB lacks the trend graphics and other analytical lenses we loved from Mint, Quicken, and Personal Capital. Personal Capital lets you monitor your finances without getting too entrenched in day-to-day balance changes. If you have unpredictable paychecks, for instance, it might not make sense to stick to a set monthly budget like that of YNAB. Or maybe you have unusual spending habits, like frequent business travel.
We could all use some help managing our finances
In that case, using a transaction-focused software like Mint may not be particularly useful. Personal Capital offers a little more flexibility. The first thing you see after logging in is your net worth, represented by a calming blue graph. Gone are the days of waiting for a printed bank account statement to drop through your letterbox, or making a visit to your local branch to move some money between accounts.
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We now have more control of our money than ever before. But that convenience could, for some, mean disorganisation, reckless spending, borrowing and debt. Applying poor money management techniques to your personal accounts is one thing, but doing the same to your small business funds could be disastrous. And while we can't help you to be sensible — that's on you — we have selected ten personal finance software solutions that can make a difference to the way you think and act with your capital.
Read more: Avanquest Audials One Take your pick of these services and use them to stay on top of your money. A good overview will help you control your spending, grow your balance, and ensure you've always got enough in reserve to keep the taxman happy. If you're looking to keep your business books with a bit more detail, check out our guide to the best accounts and invoicing software.
Probably the biggest name in personal accounting, Quicken's desktop tool is well-aged and feature-packed and — whisper it — starting to feel a bit out of date. So much so that parent company Intuit recently sold the rights to the software to a private equity firm in order to concentrate on its more modern properties like Mint. The latest version of Quicken released this year now includes 5GB of secure online backup with Dropbox, free Quicken Bill Pay and expanded custom reporting. The Premier edition is perfect for managing personal finances, business accounts and investments in one place provided you're in the US — it's not so hot for UK users, being geared more towards American finance options.
It neatly links transactions between your accounts — so transferring from savings into a current account is one entry, with a 'from' and a 'to' rather than a pair — and provides various budgeting and prediction tools to help you stay on track. Personal Capital's primary function is to track your investments, assets and savings, rather than specifically looking after your current accounts. Are your assets working for you? Are you on course for a comfortable retirement? What can you do to be better off?
Plug everything in and you'll be able to see the big picture of your finances. Personal Capital offers specific advice and statistics based on your goals and your current standing, but access to human financial advisors is where the company makes its money. UK customers will probably want to steer clear — Personal Capital is geared towards US investments like IRAs and the k — but for those State-side this could be the perfect way to grow your wealth.
An online service that's not slathered in effects and colours, Buxfer does a good job of presenting your finances in a clean, professional manner.
Best personal finance software of | TechRadar
It cutely brags about the fact that it's currently helping its users manage almost two trillion dollars in funds, so it's got a solid user base behind it. You don't have to give Buxfer your exact banking details if you're uncomfortable doing so — you can opt for offline manual syncing with your bank account instead — but if you do trust it, there's a layer of high-level encryption to protect your data and the company is regularly audited. We like its budgeting tools best of all — the visual reporting is very strong, and the fact that it doesn't force you into predefined categories and instead allows you to tag expenditures however you see fit means Buxfer should fit nicely into most people's banking lives.
Because, hey, if you don't want to spend every single penny you have and more, you absolutely do need one.