6 Best Free Personal Finance and Budgeting Apps

Managing your money also requires close monitoring of your expenses. One way to do this is with free software and services. Free personal finance software can be incredibly powerful for tracking expenses, creating and managing budgets, and reporting.

Whether your PC is running Windows or MacOS (or even Linux) or you are using your entire budget on your phone, below you will find a free option to track your finances and future plans.

You can add free personal tax planning software to your financial toolkit to keep more money in your pocket.

Best Free Personal Finance and Budgeting Apps


Mint is a free online budgeting tool developed by developers Intuit, TurboTax and Quickbooks. This app collects all your financial data and shows you an overview of your budget, expenses, bills and credit score.

You can create your own budget, set goals and reminders and synchronize data over the web and apps. Security is enhanced by multi-factor encryption and authentication. You can also use Mint to track your investments and portfolio.

Get mint access via Web or Phone Apps for iOS and Android.


GnuCash is desktop software; Its functions include tracking bank accounts, inventories, income and expenses. GnuCash is based on double entry bookkeeping for balanced books, so you can make a series of reports to review your financial details.

GnuCash also provides small business accounting tools that help you manage customers and suppliers, manage invoice and bill payments, and even pay.

GnuCash is compatible with Windows, Mac OS X, GNU / Linux, BSD and Solaris. There’s a plug – in app for Android that lets you track your travel expenses and then import them into your desktop software.

AceMoney Lite

AceMoney Lite is Quicken’s preferred alternative. You can manage your budgets, track your finances in different currencies, track investments and analyze your spending habits.

You can also chat online. Since this is a simplified version, you can only use two accounts; the full version supports an unlimited number of accounts.

AceMoney Lite is compatible with Windows and Mac OS X.

Personal capital

Personal Capital provides free financial software for investment tracking and retirement planning, as well as cash flow, consumption, budgeting and net worth tools.

Personal Capital focuses on investments that show the performance of your portfolio over time and help you make decisions for the future so that budget components are not as reliable as other software.

If you are not an investor or want to reduce your budget rather than get a broad overview, personal equity may not be the best option.

But if you want to save money until you graduate from college or retire, free tools will show you if you are on the right track.

Personal capital can be accessed via the web or apps for Android and iOS.


Buddi is an open source budget software that runs on Windows, Mac and Linux and is translated into multiple languages.

Buddi can encrypt financial data with a password and is designed to be easy to use, even if you do not have the financial knowledge.

Features include budgeting, account tracking and personal financial reporting, but you will need to enter transactions manually. Free plugins add more functionality, and the online user guide is easy to read and use.

Buddi is compatible with Windows, Mac OS X and Linux.

Free Budget Spreadsheets

If you do not need all the personal finance software and are worried about your budget, there are some great free budget spreadsheet templates that you can use with Microsoft Excel, OpenOffice Calc or Google Sheets.

Download it and open it in your spreadsheet software to track your cash flow.

Frequently Asked Questions

What is the best way to pursue personal finance?

Budgeting programs and software make it easier to categorize your expenses so you can immediately see where and when your money is going. Knowing these patterns is the first step to changing your behavior and saving more.

Is Personal Finance Software Secure?

Look for reliable brands and you can expect the same types though firewalls and encryption and are on a banking website. One often does something dangerous other than a software bug.

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