Best Personal Finance App Mac Free Trial

In researching the best free apps for the Mac, I started by using Apple's category list. This makes it easier to cover the wide variety of content available. If an app is on the Mac App Store, it is in one of the 21 categories that Apple has listed.

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These days there are a number of different personal finance planning software packages available, to make things easier than simply working through a box of papers, receipts, and invoices.

Some personal finance software can be used through software downloaded to a desktop computer (Windows, Mac, or Linux), or through a browser-based cloud software platform, or additionally through apps on your smartphone.

Software records are usually easy to save and backup, either to your harddrive or to a cloud storage service, making it harder to lose your progress.

Basic financial planning software simply provides an easy portal for managing your finances, but some of the more advanced ones can help with reducing debt, managing budgets, or even provide finance advice as an additional service.

We'll therefore look at the best on the market for personal finance software, and show you the standout features of each one so that you can get a better idea of which would be best for you.

If you're looking to keep your business books with a bit more detail, check out our guide to the best accounting software.

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Best personal finance software
Best free personal finance software

We've also chosen the best free software for small businesses

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Best personal finance software

Quicken
YNAB
Banktree
Money Dashboard
Moneydance

1. Quicken

Fair pricing

Desktop and app

Quicken is a long-established tool for managing personal accounts, and while its reputation was built on a desktop version, it's now available to run as an app on your mobile devices.

Quicken offers a good range of financial reporting tools. These are set around a few different areas, namely budgeting, bills, accounts, and even investments. For budgeting, it offers you a chance to input your purchases and income so you can compare them both together to get a better idea of how much you are spending compared to how much you are earning.

In terms of bills, you can also see which utlities and similar you are constantly paying out to, and see both the amounts to be paid and how much money you have left over. For accounting purposes you can even bring your banking and credit card bills together in one place so that you have a very clear idea indeed of how much you're paying out. This is especially handy as people easily underestimate how much regular small purchases can add to costs.

For investments it also offers the ability to track these, whether as part of your savings, investment portfolio, or 401k pension plan. This means you have a clear idea of how much your savings and investments are worth, though it's fair to say you shouldn't panic about short-term fluctuations in the stock market.

Altogether, Quicken brings together your budgeting, banking, and investment reporting into a single dashboard, which you can view from your desktop or even via your cell phone from the mobile app.

Pricing starts at $34.99 a year for the Starter Plan which covers most of the basic features, though the Deluxe plan at $49.99 a year allows for additional budgeting and goal setting.

2. YNAB

Free trial

Limited features

Just in case you need to be told explicitly what to do, along comes YNAB - short for You Need A Budget. Because, hey, if you don't want to spend every single penny you have and more, you absolutely do need one. And perhaps you have more money than you thought?

YNAB's primary mission, as you might expect, is to help you curb overspending and avoid living from paycheck to paycheck. Stick to the program, temper your spending appropriately, and eventually YNAB will see you spending last month's money rather than that which you've just earned.

It's quick to install, supports the majority of transaction information downloadable from banks, and appropriately configures itself for personal or small business use by changing its monetary categories depending on your needs.

If you get off track, YNAB – which is reasonably forgiving and understanding for a bit of software – will tell you what you need to do to get back to where you need to be. You'll have to make sacrifices, but if it's guidance you need, this sets itself apart from the likes of Quicken.

Pricing is a little higher than some alternatives, with pricing starting from $11.99 per month, or $84 a year when paid annually.

3. Banktree

30-day free trial

Can be a bit tricky to navigate

Banktree is more than happy to support worldwide currencies, and in fact does a solid job if you're working simultaneously with more than one, offering balances in multiple currencies rather than rounding them off into a single total. It's also good for keeping track of everything, allowing you to scan receipts with its mobile app and import them later on.

It's not the prettiest software around, and it's slightly more awkward to use than many of its more refined cousins, although Banktree does produce very neat reports which you can break down by time, or by payee. It may be worth experimenting with the free trial before you choose to invest in this one.

Pricing costs $40 for the desktop software and comes with one year of updates and support, though you are restricted to one PC and there is a charge of around $6 per additional PC you want to run the software on. There's also a browser-based version available for $40 per year.

Whichever version you opt for, there's a 30 day free trial available, so you can try before you buy to get an idea if Banktree will work for you.

4. Money Dashboard

Features personalized tags that make budgeting easier

High security

This iOS/Android app doesn't try to reinvent the banking world or offer anything truly ground-breaking, but it is perhaps one of the most useful money management tools out there. Hook up every one of your UK bank and credit card accounts and you'll be able to see each of your balances in a single place with a single login. That in itself is enough for us to recommend it.

But there's more – Money Dashboard will track your spending, offering you an overall pie chart depicting your spending on loans, consumables, transport and the like. There's an at-a-glance overall balance, showing exactly how much money you have available across all of your accounts, and you can compare this to the previous month's figure to show how well you've been managing your funds. That's a great motivator.

It's super-safe, too: Money Dashboard locks down your login with an equivalent level of security to that of your bank, and it's completely read-only – your money isn't going anywhere.

There are apps available for Android and iOS, and surprisingly both are free to use.

5. Moneydance

Money management made easy with a simple interface

Strong reporting features

Made primarily for Mac users (but also

Best Personal Finance App Mac Free