Personal finance software for Windows can benefit you in numerous ways. These budgeting software helps you to master the basics as well as manage your money more efficiently. A reliable finance software app can also help you to meet your future financial goals. Some of the best finance apps can even assist with investment portfolio management. Others can allow you to navigate budgeting and track expenses proficiently. Therefore, it is very important to choose the best budgeting software as per your needs.
Here are some of the top finance software for better money management. The list below includes paid and free Windows finance apps to meet your diverse goals. Make sure to choose one based on your financial requirements and objectives.
Quicken
You can export budget reports as Excel files using Quicken. This helps to do more calculations on the data. Moreover, the finance software can be used to set up payments for your bills too. There are options to track the accurate value of your current assets as well. It has a lot of financial reporting options.
Quicken can be the best personal finance software as well as a reliable business tool. You can even manage property management functions using the finance app. Quicken is available for iOS and Android devices too. This allows you to manage your money on the go across desktop and mobile.
Key Features:
- Pricing starts at $34.99
- View balances, budgets, accounts, and transactions at one place
- Supports direct bill payments
- Numerous financial reporting tools
- Check investment performance
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Also Read: Best Budget Apps for Couples to Manage Personal Finance
Mint
You can view all the relevant bank and credit card information using Mint at one place. This helps to analyze your spending and track areas where you can save. You can also set up alerts for due dates for bill payments using the software. It even allows you to keep an eye on low balances for better accountability.
Mint supports categorizing your budget as well. This helps to retrieve real-time information about your expenses. Mint is a very versatile software platform. It can even help businesses to track their finances without much effort. You can also use it on iOS and Android devices. Mint QuickView is the dedicated app for Mac users.
Key Features:
- No subscription required
- Best personal finance software for beginners
- Reliable expense tracking functions
- Allows viewing banking and credit card information on a single dashboard
- Alerts for bill payments and low balances
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YNAB
You can link your bank account to the software to check your spending information. This allows you to track your budget more resourcefully. It even helps you to understand if you are overspending. There is no investment tracking option in YNAB though. Still, it can be a great tool for personal finance management.
YNAB can help you to prepare for big future expenses as well. This way, you can deal with the situation without upsetting your budget. You can also be ready for the unexpected with improved financial management skills. There is a 34-day free trial available to check the features of YNAB. In addition, it gives a 12-month free trial to students too.
Key Features:
- Pricing starts at $11.99 per month
- Free trial available
- Robust expense tracking
- Best budgeting software for students and learners
- Easy bank account syncing
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GnuCash
The best use of GnuCash can be as a checkbook register. The Windows finance software app is based on professional double-entry accounting principles. This ensures accurate reporting and balanced books. You can run any number of reports to check your financial data. Moreover, GnuCash also provides many productive accounting tools for small businesses.
You can manage customers and vendors, invoicing and bill payment, and do a lot more with GnuCash. It allows you to handle the payroll of your employees as well. It has a companion app for Android too. This makes it a great tool to track expenses on the go.
Key Features:
- Free to use
- Best budgeting software with double-entry accounting
- Small business accounting tools
- Checkbook-style accounts register
- Accurate reporting and balanced books
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Also Read: Best Investment Apps for Beginners and Pros
Mvelopes
You can easily connect your bank accounts to Mvelopes. This helps you to create an online envelope budget quickly. You also get access to interactive reports using the software. There are three plans to choose from – Basic, Plus, and Complete. The Basic plan gets you started with money management. If you want more productive features, you can go for Plus or Complete. It gives you access to Mvelopes Personal Finance Trainer and Mvelopes Learning Center.
All the Mvelopes subscription plans come with a 30-day free trial. So you can check the features included before subscribing to a particular plan. In any case, Mvelopes will help you meet your financial goals easily. It also keeps you updated with auto transaction importing and account balance monitoring.
Key Features:
- Pricing starts at $6 per month
- 30-day free trial available
- Automatic transaction syncing
- Access to Personal Finance Trainer and Learning Center
- Interactive reports
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TurboTax
The software looks into over 350 tax deductions and credits. This helps to find every tax break you qualify for. That way, you can get a maximum refund on the tax return. TurboTax offers a free edition as well. It can be ideal for filing of your simple federal and state tax returns. The software will save your personal information for future use as well.
TurboTax has many paid subscription models too. They are designed for all levels of investing and investment types. You can automatically import transactions in the software too. This helps in seamless investment income reporting. You can also connect with a CPA or Enrolled Agent to get personalized financial advice.
Key Features:
- Pricing starts at $60
- Free edition available
- Best personal finance software for tax preparation
- Easy to find tax deductions and credits
- Step-by-step guidance for filing your tax return
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FutureAdvisor
You can use FutureAdvisor to manage your assets for a flat annual fee. This is usually set at 0.5% of the managed assets per annum. FutureAdvisor provides you algorithmic investment advisory services. It consolidates the transferred assets into accounts at Fidelity and TD Ameritrade. You can choose any of that at the time of account setup for easy management. There is an option to deposit funds directly as well.
FutureAdvisor offers three types of investment goals when you create an account. This includes retirement, major purchase, and general investing. You can choose one as per your financial needs. You can also link your bank accounts with the software. This will give you recommendations tailored to your portfolio and goals.
Key Features:
- Fixed fee for managing assets
- Integration with Fidelity and TD Ameritrade
- Best finance app for DIY investors
- Different types of investment goals
- Personalized recommendations for better asset management
Check out FutureAdvisor
Also Read: Best Android Stock Market Apps for Status & Portfolio Management
Personal Capital
You can connect multiple accounts with Personal Capital too. It avoids the hassle of switching between multiple screens to keep an eye on your budgeting. You can also get personalized financial advice for your financial goals on the app. However, you will need to have a portfolio of more than $100,000 for that. There will be an additional charge for the services of financial advisors as well.
Personal Capital allows you to set up and track your budget on the go. It also helps you to monitor your retirement and other investment goals easily. You also get deep insights to create a personalized, tax-optimized financial plan. Personal Capital is available for Android and iOS devices. It supports Apple Watch integration as well.
Key Features:
- Annual management fee starts at 0.89% of the funds
- Best personal finance software for a complete view of financial accounts
- Easy to create a tax-optimized financial plan
- Great retirement planner tools
- Compatible with Mac, Windows, Android, and iOS
Check out Personal Capital
Tiller
It extracts your financial information to a Google Sheet. This allows you to easily do calculations as needed. You can even download the data as Excel files and access it offline. There are options to choose different templates to organize your data as well. This way, you can easily customize the spreadsheet as per your needs.
Tiller also sends you daily emails with a summary of your recent transactions. It also includes your account balances. This makes it a flexible way to track your money on the go. It offers free weekly webinars to users as well. It can be a great way to learn how to create a budget and track your finances. You get 256-bit AES bank-grade security with the software as well.
Key Features:
- Pricing starts at $4.92 per month
- 30-day free trial available
- Best Windows finance software for beginners
- Google Sheets integration
- Lots of customization options
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Moneydance
The single-window interface of Moneydance makes it very easy to use. It gives you a 360-degree view of your finances, bills, expenses, and more. You also get many productive features with the finance software. This includes online banking and bill payment, budgeting, investment tracking, and more. The reporting features of Moneydance are very reliable as well.
Moneydance can automatically download transactions from the linked accounts as well. You can also send payments online using the app too. It supports hundreds of financial institutions for easy bill settlements. The account register feature in the finance app is especially notable. It allows you to enter, edit, and delete transactions in an account easily. The calculations are done automatically though.
Key Features:
- Pricing starts at $49.99
- Free trial version available with limited features
- Wide compatibility
- 360-degree view of all financial accounts
- Can be used to manage multiple currencies
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Also Read: Best Money Management Apps for Android and iPhone
Factors to Consider When Choosing the Best Personal Finance Software
The best budgeting software will suit the needs of all kinds of users. No matter what your profession is, you can easily manage your finances with a budgeting app. From saving money to smart investing, you can find many tools to benefit from in a finance app. Yet choosing one can be tricky at times. Therefore, you should consider the below factors to make an informed decision.
The Finance Category
Have a clear idea of which personal finance category you need help with. Different Windows finance software apps offer tools tailored to different needs. For instance, YNAB or Mint can be ideal to help with budgeting. On the contrary, Quicken or Personal Capital will suit those who need help with investing. Likewise, TurboTax will be the best personal finance software for tax return filing.
The Level of Assistance
Decide how much personal assistance you need from the best budgeting software. Free finance apps may not offer the services of a financial advisor. At the same time, some may charge an additional fee for such services. Therefore, understand your financial skills carefully. This will help to determine whether you need more insights to manage your needs. Mvelopes can be the best finance app for financial advisor services. TurboTax can also connect you with experts for any needed guidance.
The Cost
The cost of finance software is always a major factor that can affect your decision. You can go for a free finance management application if you are on a limited budget. Moneydance and FutureAdvisor can be the best budgeting software in such cases. However, a paid version will come with many advanced features. Some of the best personal finance software offer free trial as well. This way, you can check the features before subscribing.
There can be many more factors to consider when picking Windows finance software. This may include cross-device compatibility, added functionalities, ease of use, and more. So, it is always wiser to carefully assess your needs and then sort the list of best budgeting software. Anyway, the above are the best personal finance software for all kinds of users.
