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 systemMobile PresenceSoftware license Description Countries of origin Last stable release date LanguageGnuCashC, Scheme, C++ Java (Android App)Microsoft Windows, macOS, LinuxAndroid (limited companion app)GPL, Apache License 2 (Android App)Personal and small-business financial-accounting software that supports tracking bank accounts, stocks, income and expenses.5.11 / 30 Mar 2025Multilingual HomeBank C, GTK Microsoft Windows, macOS, Linux, OpenBSD, FreeBSD GPL Personal accounting software package Contributors in multiple countries 5.9.4 / Jul. 10, 2025 MultilingualKMyMoney C++ Microsoft Windows, macOS, Linux GPL (v2) 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 MultilingualLedger C++ Any Unix-like including macOS, Microsoft WindowsLedger 2.6.1 and 3.1.1 binaries for windows systems Android (via Termux) BSDA 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 Multilingual
Proprietary personal financial management vendors and software
+NameOperating SystemsMobile SupportSoftware TypeDirect CostOther Monetization ModelsDescriptionBanktivity macOSiOSStandaloneYearly FeePersonal finance software for Mac OS.Mint iOS, AndroidWeb-Based Financial product referralsDeprecatedMoneydance (JVM based)StandaloneMoneyspireManual or Automated Windows, macOS, Linux, ChromeOSiOS, AndroidStandaloneYearly to stay on latest versionPersonal finance software for money management and budgeting for Mac, Windows, Linux and Chromebook.MoneyWiz macOSiOSStandaloneYearly FeePersonal CapitalManual or Automated Web-Based 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.QuickenManual or Automated Windows, macOS (limited)Android, iOSStandalone or Web-Based for full functionalityYearly feeYou Need a BudgetManual or Automated Android, iOS, Apple Watch, AlexaWeb-BasedYearly or Monthly FeeDifferentiates itself by providing budgeting advice.Origin iOS, AndroidWeb-BasedYearly or Monthly FeeDifferentiated by being an all-in-one financial platform that includes not only an AI Advisor, but all standard PFM tools plus: Estate planning, tax filing, CFP access, and more.Bon Credit iOS, AndroidiOS, AndroidMobile app Financial product referralAI personal finance app that finds more money and helps users manage debt, budgets, and credit.
See also Comparison of accounting software List of free and open-source software packages List of project management software List of spreadsheet software
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