1. We spent over 60 hours testing 20 personal finance apps and programs to find the best budgeting and money management tools. Our choice for the best personal finance software is Quicken Premier. It combines the best budgeting tools with easy-to-use tax reporting.
2. Budget Planner - Home Budget Software The Simple Way to Budget 'I do have to say, your software is the most logical budget software out there. It presents the data in a straight forward way.
3. Have a look in File> New from Template. There's an installed template in the Personal Finance grouping specifically for a Household Budget.Additionally, if you open the Online Templates list & select Budgets you'll find several more. Regards, Bob J.
4. You can minimize the effort requirement of financial budget plan creation even more with the help of a budget template for mac. Templates are the simplest option for this purpose and all your problems will be resolved at once.

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Get Your Financial House in Order

Gone are the days when you could tell how much money you had by looking in your wallet or at your checkbook balance. These days, many people only carry debit and credit cards—no cash. You find your checking account balance or check stock prices by reaching for your smartphone.

Created specifically for the needs of churches, Elexio Church Accounting Software was designed to manage church accounting simply and powerfully. Fulfilling the needs of your financial committee and providing scalable add-ons to create the financial and accounting software package that works for you is easy with this cloud-based software solution.

But how easy is it to discover how much money you've spent on lattes, gas, or work clothes this month? Do you know what the car dealer is going to learn about your credit history when you go in to buy a new vehicle? If you're a self-employed worker, how fast can you find out whether you're on track with your income this month?

There are many websites that handle personal finance exceedingly well. We review five of the best here. Quicken, the granddaddy of all personal financial solutions, is now a hybrid solution. The software still resides on the desktop, but the 2018 and 2019 versions offer access to a website that contains Quicken's most often-used features and synchronizes its data with your own personal file. So, you can check in on your income, expenses, and investments on the go.

Critical Connections

Quicken's online companion app is the biggest recent news in the personal finance world. But all of the applications we reviewed have new features, and they share some common characteristics. Most of them support online connections to your financial institutions. That is, you can download cleared transactions and other account data from your banks, bank card providers, brokerages, and other financial institutions, and see all of it neatly displayed in registers in the applications. Typically, you only have to enter the credentials that you use to log into those financial sites, though you occasionally have to provide additional security information.

Once you've imported a batch of transactions, you can work with them in numerous ways. For example, they need to be categorized correctly as income (salary, freelance payment, and interest, for example) and expenses (food, mortgage, utilities, and so on). The personal finance sites guess at what an appropriate category might be, but you can always change it—and you can split transactions between different classifications. If you're conscientious about this, you'll see charts that tell you where you're spending your money. This information can also be helpful when tax preparation time rolls around.

Depending on which website you're using, you might be able to add tags to transactions. That way, you can search for those that are related in ways other than through their category assignments. You can add notes and attach files, too. If you bought something with cash, your bank wouldn't have a record of it. In those circumstances, you can create a transaction manually. CountAbout goes a step further, providing an additional set of tools that let you make recurring transactions (or flag them).

A Different Kind of Dashboard

Four of the five personal finance websites reviewed here have what's called a dashboard. It's basically each site's home page, or the first screen you see when you log in. Sometimes, the dashboard is the only screen you'll need to see, because it displays the information you most need when you're checking on your financial situation. You'll learn what all of your account balances are and perhaps any bills that are pending.

You'll see charts and graphs that tell you, for example, what your income is versus your spending, and how you're doing on your budget. You may be able to gauge your progress on any goals you've set and view your investment portfolio, with live prices if it's during the market day.

Basically, this overview shows you snippets of the detailed data that lies behind the numbers on this opening page. Click on a checking account balance in Mint, for example, and this link takes you to the account's register. Click on your credit score in Credit Karma, and you'll learn what contributes to it and how it's changed recently. So the dashboard on a personal finance website can either provide a quick look at your money situation or it can serve as a springboard to a deeper study of the numbers.

Budgets, Goals, and Bills

If you're a freelancer or sole proprietor, budgets can be challenging. You don't know for sure how much money you'll make in a given month like a W-2 employee does. Being conscientious about your finances includes trying to curb your spending so that it comes in below your income. Note: Freelancers and sole proprietors might find that a small business accounting website is a better fit.

The mechanics of creating a workable budget are much easier than the process of specifying your limits. Mint, for example, treats each category as a budget. You select one, choose a frequency for it (every month, etc.), and enter an amount. The site shows you how well you're adhering to each budget by displaying a series of colored horizontal bars that show where your spending is currently compared with your budgeted amount. Green means you're doing OK, and red means you've gone over your self-imposed limit. You can tweak each budget as you learn more about your spending habits by clicking up and down arrows.

Other applications, like Quicken, consider a budget to be a comprehensive table that contains all categories. The software also lets you view your budgets by a variety of time periods (monthly, annually, and so on).

Setting goals, like trying to establish an emergency fund, isn't rocket science. You specify the amount you're trying to save and your target date for achieving it, and the application tells you how much you have to save every month to achieve it. NerdWallet, for example, lets you link your goals to the appropriate spending account so your progress is automatically tracked. Quicken Deluxe includes additional planning tools that help you accelerate debt reduction, plan for taxes, and establish a comprehensive lifetime financial plan.

None of the sites we reviewed offer bill-paying tools, but some let you at least record bills and bill payments, because those can figure into your personal finance picture so significantly. Mint is especially good at this. You can set up a connection to online billers or enter offline bills automatically. The site alerts you when they're due to be paid and lets you record payments manually if they don't get downloaded as cleared transactions from your bank.

An Important Number

An excellent credit score is gold. Beyond helping you get approved for a credit card, mortgage, car loan, etc., it often helps minimize the interest rate you'll pay. So it's important to know not only what it is at any given time, but also to understand how it gets calculated and what you can do to improve it.

Credit Karma and NerdWallet, both free websites, can meet all of these critical needs. Credit Karma is especially comprehensive and efficient here. It pulls your score regularly from two of the three major bureaus, and gives you access to your credit reports.

One of the ways you can improve your credit score is to use financial products—credit cards, mortgages—that have attractive interest rates and other benefits, making it easier for you to pay off debt as quickly as possible. The three free websites we reviewed (Mint, Credit Karma, and NerdWallet) help pay for the services they provide by displaying ads for products that might appeal to you based on your credit profile. You can also browse marketplaces for additional candidates.

Of course, frequently cancelling credit cards to get new, different ones can affect your credit score. Still, it's good to learn about these suggested products so that when the time comes, you'll know what the best options are.

Other Considerations

You may only want to use a personal finance site for day-to-day income- and expense-management, budgeting, and goal setting. But financial sites like Quicken and Mint let you track all of your assets, including homes, vehicles, and investment holdings. If you keep your financial data updated, the applications keep a running tally that, when combined with your debt, give you your total net worth.

You probably don't need advanced tools when you're away from your computer or laptop. But when you're out spending money, it's good to know how much you have. All of the solutions we reviewed offer both Android apps and iOS apps. Free chess program for mac. They don't have all of the features found on the browser-based or software versions, but you can at least check your account balances, view and add transactions, and see graphs illustrating numbers related to things like spending and cash flow. You may also be able to get your credit score and check the status of pending bills.

Are all of the applications reviewed easy to use? The short answer is yes. Credit Karma and Mint are the most user-friendly, incorporating state-of-the-art interfaces with can't-miss navigation tools. NerdWallet tries to blend editorial content on personal finance with credit score and limited income/expense-tracking tools; these dual purposes make the site somewhat confusing until you understand how the two co-exist. CountAbout is certainly easy enough to use, but its user interface looks outdated. And because Quicken has been around for so long and offers so much, its user experience is a little uneven. This blending of old and new content can be a little jarring when compared with a solution built from the ground up to live online.

Each of these personal finance solutions offers something the others don't. But their skill at delivering the tools consumers need, and the cost at which they offer them, varies widely. Mint has won our Editors' Choice before, and it does so again this time for free personal finance services. Quicken, on the other hand, wins the Editors' Choice for paid personal finance services. We'd absolutely send people first to Mint if they're considering online personal finance because of its usability, its thorough selection of tools, and the feedback it provides users who keep up their end of the bargain by visiting it regularly. And, of course, it's free.

If you're looking to keep your life further organized, you can also check out our roundup of the best to-do list apps.

Best Personal Finance Services Featured in This Roundup:

• Mint.com Review

  
  MSRP: $0.00
  

  Pros: Free, fast, and easy. Highly automated. Simple budgeting tools. Alerts. Checks credit score. Good mobile support, including Apple Watch.

  Cons: Only supports US and Canadian accounts. Discontinued bill pay. Weak investing tools. No account reconciliation.

  Bottom Line: Mint is a free personal finance service that's in a class by itself. No rival provides such a comprehensive collection of tools if you want to track your spending and budgeting or want a comprehensive overview of your net worth.

  Read Review

• Quicken Deluxe Review

  
  MSRP: $49.99
  

  Pros: Robust set of personal finance, planning, and investment tools. New companion site. Flexible transaction tracking. Useful reports and graphs. Excellent support options.

  Cons: Expensive. Inconsistent user experience. Electronic bill pay not available in all plans.

  Bottom Line: Quicken Deluxe contains more personal finance management tools than any competitor, but it's relatively expensive and many features aren't available in the mobile apps.

  Read Review

• Credit Karma Review

  
  MSRP: $0.00
  

  Pros: Free. Excellent user experience. Explains rationale for credit scores and reports. Suggests solutions for problem areas. Pulls data from third-party services.

  Cons: Intrusive financial product recommendations. Only displays two credit scores. Can't change auto-logout setting.

  

  Bottom Line: Credit Karma offers credit scores and reports, along with recommendations for financial products. It does a good job of helping you understand your credit, though some may find the ads distracting.

  Read Review

• NerdWallet Review

  
  MSRP: $0.00
  

  Pros: Tracks income and expenses. Thorough handling of credit score issues. Includes useful editorial content. Strong financial product browsing and educational tools.

  Cons: Only five transaction categories. Confusing navigation. Only displays one credit score.

  Bottom Line: NerdWallet helps you understand and improve your credit score via numerous useful tools. Still, the service would be more effective if it offered a better organized user experience.

  Read Review

• CountAbout Review

  
  MSRP: $9.99
  

  Pros: Imports Mint and Quicken data. Thorough budget. Good transaction tracking. Customizable categories and tags. Exceptional recurring transaction options.

  Cons: Dated user interface. No dashboard. Unwieldy category list. Limited mobile apps.

  Bottom Line: If you need a reasonably priced personal finance service that doesn't have tons of adds, CountAbout is a decent alternative to Mint and Quicken. It has a dated interface and limited mobile apps, however.

  Read Review

If you want to turn your Mac into an all-purpose center of financial management for your home or business, you’re just a download away. Take a look at the best financial software for Mac and see what solution offers the features you need.

Contents

1. QuickBooks

Quicken for Mac gets a lot of attention, but if you aren’t using Windows then Quicken is a poor deal: In the last several years support has dropped off and the lack of compatibility just isn’t worthwhile (Quicken 2015 is currently to turn the trend around, to mixed results). QuickBooks, however, remains fully supported and feature-rich financial software for Mac: This is the program of choice for running a small business on an OS X platform. If your company uses Mac computers and you want the best financial software around, QuickBooks remains unparalleled with its full invoice, transaction, workflow and reconciliation features.

You can download QuickBooks for Mac here for $229.95 or you can sign up for their online service which offers the first 30-day free.

Budget Program For Mac Computers

2. iBank 5

The latest version of iBank offers a full suite of financial management capabilities at an incredibly deep level. Direct Access and direct downloads allow you to connect directly to bank accounts, and you can quickly import from Quicken to update all your data. Budgeting, investment tracking, and advance notifications about bills are all included. You can also build you own financial charts and reports if you want to analyze a particular part of your finances. The downside to this universal collection of features is, unfortunately, the price.

You can download iBank 5 here for $59.99

3. iFinance

If iBank sounds too comprehensive or expensive for your Mac financial software needs, take a look at iFinance, which focuses more on the basics of financial management. You can import multiple financial documents and create budgets that are as simple or complex as you want. iFinance sports the in-depth transaction management that small businesses and careful families alike can appreciate…as long as you can invest the time necessary to learn the sometimes unique accounting tools.

You can download iFinance here for $29.99

4. MoneyWell

If the interface on iBank doesn’t do much for you, take a look at MoneyWell financial software. MoneyWell offers many of the same features, from direct bank connections to budget control and transaction management, but with a very different set of graphics and tools that you may appreciate more. MoneyWell also has full support for iPad if you feel like taking your finances over to the sofa to work on. If you like envelope budgeting, you will also appreciate its “spending buckets” that help you limit spending in specific categories. The downside is once again the price, but it’s not quite as high as iBank if you want to save a few bucks.

Home Budget Software For Mac

You can download MoneyWell here for $49.99

Best Budget Program For Mac

5. Fortora Fresh

Fortora is a newer entrant in personal finance software than previous options, and specializes in more streamlined features that allow you to quickly search for specific transactions, bulk edit entire fields to save time, and use shortcuts when setting budgets and recording items. It can import not only bank account information but also stock quotes for your investments. Otherwise, it makes a strong competitor to services like iBank and MoneyWell, although its support on mobile devices like iPad is unfortunately lacking.

You can download Fortora Fresh here for $49.99

6. SplashMoney

SplashMoney is more affordable personal finance software for creating budgets and tracking transactions. Like its more expensive personal finance software Mac brethren, it can also connect to major banks to upload transactions and account information automatically. There are features for comparing actual vs. budgeted expenses, and rearranging budgets based on what’s important to you. There are both desktop and mobile versions of this software, make sure you pick the desktop version and its strong collection of features.

Free Budget Software For Mac

You can download SplashMoney here for $19.95