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Taxes: Tax software makes it easy to prepare and file your taxes. Most services simplify complicated tax code by asking you straightforward questions and guiding you through deductions. If you want an app that tracks your expenses and income, for example, look for a budgeting program that syncs with your bank and credit card accounts.

A few other factors to consider as you shop around:. Cost: Personal finance tools often have a free version and a premium version that includes extra features for a monthly, annual or one-time fee.

Account restrictions: Certain types of software limit the number of accounts you can add or restrict you to just one type. So if you have checking, credit card and investment accounts to monitor, look for a service that can handle them all. Spending reports: Are you a visual learner? Opt for a tool that breaks down your spending by category or amount using charts and graphs. Bonus points if you can customize the reports to fit your financial goals. Human support: Sometimes you need more than a standard user guide or FAQ page.

Budgeting: Easily organize your spending and savings and set a monthly spending target. Cash Flow: Keep on top of your incoming and expenditures in real-time. Retirement Planner: Set and monitor your retirement goals and see if your savings are on track. Fee Analyzer: See an in-depth look at your holdings and how hidden fees may be impacting savings.

Education Planner: Estimate and plan how much you need to save for future educational costs. Device Compatibility What about mobile and desktop device capability? Click to Open Your Personal Capital Account After signing up for this home accounting software, the next step will be to link the accounts you would like to track. This top personal accounting software additionally offers the following security safeguards for your data: Personal Capital operates under the Securities and Exchange Commission SEC jurisdiction and is audited for compliance with SEC cybersecurity regulations.

They use Verisign and other state-of-the-art security solutions and practices to protect our site. Your data is never sold, and they ensure any 3 rd party partners they work with also will not sell your data No individual at Personal Capital has access to your login credentials.

The company offers a year-round private bug bounty program with security researchers always looking for ways to make the security even better. Quick Signup — Join Personal Capital Today Mint Review Founded in , Mint is a powerful and free personal finance software that allows users to bring all their accounts and bills together into one place for easier financial management. Efficient Reporting Mint personal budget software allows you to see exactly how your spending decisions today impact how much money you have left at the end of the month, your future retirement, or other savings goals.

Sign Up Process How easy is it to open an account? Our Mint review found that this money management software also uses multi-factor authentication to protect each account, which includes: 4-digit user code Touch ID enabled Security questions or code sent to email or text Could Mint Be the Best Personal Budget Software for You?

Personal Capital Personal Capital is similar to Mint, but it comes with several more comprehensive features. Personal Capital also provides detailed information on asset allocation, income tax planning, and retirement planning, making it the best personal finance software for investors Personal Capital: Read the Review Personal Capital PC vs. Get Personal Capital Today! Pricing Options In recent years, many software and budgeting tools have moved from selling a single version of the software to a subscription model.

Budgeting Tool As a top personal budget software, Quicken provides users with valuable personal financial planning software aimed at creating and maintaining a budget. Mobile Apps Quicken mobile apps give you the ability to quickly access and view your financial transactions on the go. Windows For desktop devices, Intuit offers two separate versions of this money management software: Quicken for Windows and Quicken for Macs.

QuickBooks Review QuickBooks is a name synonymous with accounting software and is an award-winning product that revolutionized the way that people manage their business finances and accounting. Powerful Business Tools When it comes to the distinct needs of a business, QuickBooks is the highest-rated financial app. Handle employee payroll, including tax estimations and payments. QuickBooks provides small businesses with the following payroll benefits: Automated payroll that runs automatically after you set it up.

Ability to manage a full suite of employee services, including health benefits. Three levels of payroll add-ons that include advanced features like same-day direct deposit.

Review your payroll at a glance with detailed reports, right inside QuickBooks. Payroll taxes are calculated for you and you can e-file from within this budgeting software Easy Collaboration QuickBooks is one of the top business or personal finance apps that makes it easy to work securely online with your team or accountant from any location.

QuickBooks Pricing QuickBooks offers a wide range of pricing options to meet most price points, including online subscriptions and one-time purchase software. Wave Review Challenging QuickBooks for small business users, Wave entered the world of money management software in Strong Growth Although not as well-known as QuickBooks, Wave Personal Finance Software is a fast-growing financial business app, and one of our top six best personal accounting software tools of the year.

Free Personal Finance Software Wave money management software is available free of charge, making it one of the most affordable business management tools.

Industry-Standard Security Wave protects its servers both physically and electronically and uses bit SSL encryption. These rules are: Give every dollar a job: Instead of just deciding to buy something based on mood, you decide based upon a plan. Embrace your true expenses: Planning ahead for the unexpected like a home or car repair reduces the need to use credit cards to cover them.

Bank-Grade Security While the site for this personal financial management app is written in a light-hearted and humorous way, they say that security is where they become very serious. Top Personal Finance Software. Free or Paid? Best for. Individuals and Investors. Mint M. All-in-one financial app. Does the company show ads on your dashboard?

Cleaner less crowded interface. Wealth management and investing interfaces. Sets alerts and thresholds for notifications. Easy to use and personalize. Conduct benchmark portfolio allocation. Easily see your net worth real-time. Access to a financial planner. Advanced budgeting capabilities. Additional security device authentication. See all of your bills in one place. Plan for retirement.

You can learn more about our independent review process and partners in our advertiser disclosure. We may receive commissions on purchases made from our chosen links. Personal finance software and apps can help you master the basics, become more efficient at managing your money, and even help you discover ways to meet your long-term financial goals. Choosing the best personal finance software depends on your current financial needs.

Some personal finance software can help you master budgeting and expense tracking , while others can help with investment portfolio management. Of course, your budget for personal finance software matters, too. Our list of the best personal finance software includes free and paid options to suit a variety of financial goals. So take a look and get your finances in order in no time.

Having been around for several decades, Quicken is one of the most established personal finance software on the market. You can use the software to manage various aspects of your financial life from budget creation to debt tracking, savings goals, and even investment coaching.

The software features Excel exporting, which allows you to manipulate and perform additional calculations on your data. One of the more advanced features includes bill paying, which allows you to set up payments for your bills right from the software.

You can even use it to track the value of your assets to have an accurate calculation of your total net worth. The app is robust enough to manage both your personal and business expenses and even handles property management functions like rental payments from tenants.

Mint is one of the most popular budgeting and expense tracking tools. You can have the software pull in your bank and credit card information to analyze your spending and pinpoint areas where you can cut back to improve your finances. For more accountability, Mint allows you to set up alerts for things like due dates and low balances to keep you on track. These features help you avoid expensive fees on late payments and overdrafts from your bank account.

Mint is free to download and use on iOS and Android devices, as well as desktop. As you create your budget and manage your daily finances, the software provides you with tutorials that will help you tackle some of the tougher financial topics. The software automatically links to your bank account, integrating your spending information for analysis and budgeting tracking. The traditional envelope budgeting system helps you stick to a budget by using envelopes to manage your money.

Choose the financial goals that are most important to you, then add your bank accounts and set your income. What are her goals? What is his life stage? How much money are we talking here, and is it being managed by one person or more?

So the best personal finance software is the one that is right for you. Fortunately, personal finance is a booming industry, and has created tools for pretty much every life stage, personality type and control-freakery. No matter where you are in your ongoing relationship with your money, you'll find something below that suits your needs. One ground rule — to be considered for evaluation, a tool or service had to have a low barrier to entry — preferably free or with a free trial.

Mint is a web-based tool with mobile apps, of course that will help you track spending, design a budget, manage debt, set goals and combine all your accounts including the weird ones like balloon mortgages in a single place. Many users love its simple, clean UI — the design refresh is getting raves — and at-a-glance financial dashboard, with net worth right there at the top.

While Mint and Quicken have long been the top contenders for full-featured financial management for everyday finances, Mint wins as the best personal finance software by being both free and slightly simpler than Quicken.

New in , you can bulk-edit to make category adjustments. Other powerful additions for include subscription monitoring, which helps you keep track of the subscriptions that seem to proliferate with every free trial. Mint will even tell you if those subscriptions change price. Mintsights are personalized for each user. The feature set is as robust as any personal finance software out there. And you get more exporting and customization options than Mint, which makes Quicken one of the best personal finance software options.

Quicken lets you transfer money between accounts at different institutions, provides specialized investment reports, and helps you create a tailored plan to pay down your debt. Supported account types include investment, retirement, and loan accounts, as well as asset tracking for insurance purposes. For lovers of detail, thoroughness, and tailoring their financial management, Quicken is a great fit.

Since , Quicken users have had the added benefit of a browser interface that lets them interact with their finances on the go. Today, you can view balances and transactions, identify spending trends, and check the performance of your investments from anywhere you can get to a browser. Capital know how tied people get to their historical data.

In a nutshell: People who have spent years mastering Quicken and entering their data have good reason to stick with it.