This post is was originally published on Investor Junkie

Personal finance software has been around for several decades. Since the Internet was invented, we’ve looked for ways to manage our household and investment accounts in a non-complicated way. Thanks to advanced technology and security, you can link your bank account to finance software that will aggregate your transactions into manageable spending reports, graphs and budgets.

No matter if you use a Mac, PC, web browser or smartphone app, you’ll find the best personal finance software that matches your family’s needs. Some of the services can be purchased and downloaded to a desktop computer, while others are web versions that allow you to access your money on the go, via the internet or a mobile device.

Here’s a breakdown of the best personal finance tools and services currently available today, and how they stack up against each other. We’ve thoroughly reviewed and tested each personal finance software listed below.

Rank Product Price Rating
1

PRICE: FREE

Rating: 9.5/10

  • Cost 10/10
  • Customer Service 9/10
  • Ease of Use 9/10
  • Tools & Resources 9/10
  • Synchronization 9/10
  • Accessibility 9/10

A free and easy-to-use personal financial software that syncs up all your accounts in one location. Personal Capital creates summaries of your spending, net worth, and most importantly your investment portfolio. The upsell is their wealth management service.

Read Full Review

2

Promo: None

PRICE: FREE

Rating: 8.5/10

  • Cost 10/10
  • Customer Service 6/10
  • Ease of Use 9/10
  • Tools & Resources 8/10
  • Synchronization 7/10
  • Accessibility 8.5/10

With the Mint app you can manage your finances all from one place. The personal finance software has budgeting, tracking and online bill pay that’s easy to use. Unfortunately, Mint’s investing tools are simplistic, and many users report issues with bank synchronization.

Read Full Review

3

PRICE: $6.99/month

Rating: 8.5/10

  • Cost 8/10
  • Customer Service 8.5/10
  • Ease of Use 9/10
  • Tools & Resources 8.5/10
  • Synchronization 9/10
  • Accessibility 9/10

YNAB (otherwise known as You Need A Budget) is a popular budgeting app. The latest version is now an online service and can sync with your bank accounts. On the downside, YNAB doesn’t offer any help with tracking your investments.

Read Full Review

4

Promo: None

PRICE: FREE

Rating: 8.5/10

  • Cost 9/10
  • Customer Service 7/10
  • Ease of Use 10/10
  • Tools & Resources 6/10
  • Synchronization 9/10
  • Accessibility 9/10

The app is a messaging-like service that enables you to aggregate, summarize, analyze and track all of your expenses on one platform. It can also help get you started with investing. The downside is that the free version of the app is pretty limited. However, it’s easy to use and is a great way to view all of your accounts and transactions in one place.

Read Full Review

5

PRICE: $34.99 – $74.99/year

Rating: 8/10

  • Cost 8.0/10
  • Customer Service 6/10
  • Ease of Use 8/10
  • Tools & Resources 8/10
  • Synchronization 8/10
  • Accessibility 8/10

While a step up from previous versions, Quicken 2018 for Mac still falls short of the gold standard, Quicken for Windows. The improvement to the investment section in 2018 is a welcome addition. For some, Quicken for Mac might be a usable native MacOS personal finance app.

Read Full Review

6

PRICE: $34.99 – $99.99/year

Rating: 8/10

  • Cost 7.5/10
  • Customer Service 5/10
  • Ease of Use 9/10
  • Tools & Resources 9.5/10
  • Synchronization 8/10
  • Accessibility 8/10

Quicken for Windows is the gold standard in personal finance software and budgeting. It remains the app to beat with the most comprehensive features. However, customers have long complained about customer service issues, bank synchronization problems, and lack of substantial new features.

Read Full Review

7

PRICE: $64.99

Rating: 8/10

  • Cost 7/10
  • Customer Service 7.5/10
  • Ease of Use 8.5/10
  • Tools & Resources 8/10
  • Synchronization 8/10
  • Accessibility 8/10

Banktivity 6 is a great alternative for dissatisfied Quicken for Mac users. This personal finance software has all the features competing Macintosh apps have and a few features typically available only on Quicken for Windows. The downside is the annual fee you’ll pay for connecting your banks.

Read Full Review

8

PRICE: $49.99

Rating: 7.5/10

  • Cost 8.5/10
  • Customer Service 8/10
  • Ease of Use 8/10
  • Tools & Resources 7.5/10
  • Synchronization 7.5/10
  • Accessibility 7/10

Moneydance is a great alternative for Quicken lovers and those who are disappointed with Quicken for Mac. You can try it for free, up to 100 transactions, or buy it for $49.99. Some of its best features include creating budgets, bill reminders, and investment support.

Read Full Review

9

PRICE: $9.99 – $39.99/year

Rating: 7.5/10

  • Cost 8.5/10
  • Customer Service 8.5/10
  • Ease of Use 7/10
  • Tools & Resources 8/10
  • Synchronization 8.5/10
  • Accessibility 8/10

CountAbout is the only budgeting app that allows you to import from Quicken or Mint. The service allows you to easily sync your personal finances in one location, and with reporting. The downside is CountAbout lacks any advanced financial planning features.

Read Full Review

10

Promo: None

PRICE: $2.92 – $4.00/month

Rating: 7.5/10

  • Cost 9/10
  • Customer Service 6/10
  • Ease of Use 6/10
  • Tools & Resources 5/10
  • Synchronization 10/10
  • Accessibility 7/10

WeVest is an affordable personal finance planner with an emphasis on helping you take steps to increase your net worth. Get personalized suggestions on where to put your money and how to manage your overall financial picture. However, to get the most out of this service, you need a personal budget already in place.

Read Full Review

11

Promo: None

PRICE: $0.00 – $99.00/year

Rating: 7.5/10

  • Cost 8/10
  • Customer Service 7.5/10
  • Ease of Use 8.5/10
  • Tools & Resources 7.5/10
  • Synchronization 8/10
  • Accessibility 8/10

EveryDollar is a good option for users looking for simple, back-to-basics budgeting software with little to no frills. You can opt for the free version and manually add transactions, or the Plus version, for $99 a year, which will automatically do this for you.

Read Full Review

12

Promo: None

PRICE: $0.00 – $19.00/month

Rating: 7.5/10

  • Cost 6/10
  • Customer Service 9/10
  • Ease of Use 8/10
  • Tools & Resources 9.5/10
  • Synchronization 8.5/10
  • Accessibility 8.5/10

LearnVest is a financial planning platform that combines budgeting with investing. It’s a one-stop shop if you’re looking for an all-in-one financial platform. However, the investment side of the platform is limited only to providing investment allocation advice. It does not manage your investment portfolio the way robo advisors do.

Read Full Review

13

Promo: None

PRICE: FREE

Rating: 7/10

  • Cost 10/10
  • Customer Service 7/10
  • Ease of Use 8/10
  • Tools & Resources 7/10
  • Synchronization 7/10
  • Accessibility 7/10

PowerWallet is a personal finance planning tool is excellent for budgeting, managing all your accounts and reaching future goals — all at a glance.

Read Full Review

14

PRICE: $0.00 – $59.00

Rating: 7/10

  • Cost 8/10
  • Customer Service 9/10
  • Ease of Use 7.5/10
  • Tools & Resources 7/10
  • Synchronization 7/10
  • Accessibility 8/10

Moneyspire is one of many personal finance software apps that help you organize your finances by aggregating your transactions into one location. It has the ability to budget, but synchronization with your Apple iOS device is cumbersome.

Read Full Review

15

Promo: None

PRICE: $0.00 – $19.95/month

Rating: 7/10

  • Cost 8/10
  • Customer Service 8.5/10
  • Ease of Use 8/10
  • Tools & Resources 7/10
  • Synchronization 8/10
  • Accessibility 7.5/10

PocketSmith is a personal finance software solution that can let you track all of your accounts, such as checking, credit cards, student loans and investing accounts, and forecast your financial future at a glance. Its calendar function, which is modeled along the lines of Google’s, is a particular selling point.

Read Full Review

16

Promo: None

PRICE: FREE

Rating: 6/10

  • Cost 10/10
  • Customer Service 5/10
  • Ease of Use 7/10
  • Tools & Resources 6/10
  • Synchronization 8.5/10
  • Accessibility 7/10

Yodlee MoneyCenter is the granddaddy of online personal finance applications. Its synchronization is much more reliable than Mint.com, but unlike Mint, the budgeting categories are fixed. While the service works well, the interface seems somewhat dated and lacks investment tracking.

Read Full Review

LEAVE A REPLY

Please enter your comment!
Please enter your name here