List of personal finance software

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.

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
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	5.6.2 / Feb. 6, 2023[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]
Ledger	C++	Any Unix-like including macOS, Microsoft Windows[12][citation needed]	Android (via Termux)[13]	BSD[14]	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[15]	Multilingual

Proprietary personal financial management vendors and software

Name	Spending Tracking	Budgeting	Investment Tracking	Third-Party Bill Paying	Operating Systems	Mobile Support	Software Type	Direct Cost	Other Monetization Models	Description
Banktivity	Yes	Yes	Yes	Yes	macOS	iOS	Stand alone	Yearly Fee[16]		Personal finance software for Mac OS.
Mint	Yes[17]	Yes[17]	Yes[17]	No[18]	Any	iOS, Android	Web-Based	Free	Financial product referrals[19]	Deprecated[20]
Moneydance	Yes		Yes		Any (JVM based)		Stand alone
Moneyspire	Manual or Automated	Yes	Yes	No	Windows, macOS, Linux, ChromeOS	iOS, Android	Stand alone	One-time fee		Personal finance software for money management and budgeting for Mac, Windows, Linux and Chromebook.
MoneyWiz	Yes	Yes	Yes	No	macOS	iOS	Stand alone	Yearly Fee[21]
More Money	Yes	No	Yes	No	Windows		Stand alone	TBC
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]	Stand alone 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