10 Budget Software and Online Apps

You Need A Budget 4 packs in many features and improvements over earlier versions and actually teaches sound budgeting practices as you use it. YNAB 4 runs on Windows and Mac computers, backs up data automatically and budgets can be shared among multiple users. Use this budgeting software and you could find yourself living debt free. Android and iPhone apps sync data to the desktop.

CalendarBudget free online budgeting software that uses a calendar to show you how your budget will be affected by income and expenses into the future. CalendarBudget has a clean look and a good set of features for future financial planning, but it does not automatically download transactions.

PearBudget online budgeting software tracks a monthly personal budget, applying envelope budgeting by using irregular expense categories for annual quarterly or other non-monthly expenses. PearBudget rolls unused amounts for irregular expenses forward to the next month to facilitate envelope budgeting and runs in four different Internet browsers, so it can be used on all operating systems.

Mvelopes is a fully-featured online personal finance app with strong envelope budgeting features. Mvelopes is subscription-based and includes mobile apps for Android and iPhone. There's a free trial, just be sure to cancel the subscription on time if you decide not to use this software to avoid having your credit card charged.

Mvelopes Review

Inzolo is a relatively new addition to the envelope budgeting software world, and it looks promising. Inzolo was created after the developer, Dustin Davis, found that spreadsheets were too time consuming for money management and that the personal finance software he tried was too light on budgeting features.

Dividing paychecks among envelopes, or anticipated spending categories, is done very quickly, and Inzolo supports OFX Connect to make importing transactions easier. You can try Inzolo for free, and plans are priced at $7/month with discounts for paying by quarterly ($17), annually ($57) or for a lifetime ($177). Inzolo has a mobile web app that runs on smartphone browsers.

NeoBudget is low cost, easy-to-use online envelope budgeting software that includes a nice debt reduction module.

Budget by Snowmint Creative Solutions LLC uses virtual envelopes to show you how much is available to spend in each budget spending category. Budget includes calendar for budget reminders and investment tracking and uses QIF to import transactions from your financial institution and tracks investment account balances.

Budget by Snowmint Creative Solutions LLC has two desktop versions, one for Windows and one for Mac.

MoneyWell envelope budgeting software for Mac OS uses buckets instead of envelopes to show how much money you have left in each budgeted spending category. If you overspend in a category, its bucket tips over.

MoneyWell uses a one-window interface for setting up spending buckets, recording transactions and viewing reports. MoneyWell is shareware, so try it at no charge then buy it if it works for you. MoneyWell imports QIF data data from Quicken and Microsoft Money.

PocketSmith online personal finance app uses a calendar to forecast your budget well into the future. PocketSmith also tracks accounts, savings goals and includes financial reports. Import transactions yourself or set up automatic downloads.

It's Your Money's Check Register with Envelope Budgeting is an easy-to-use, great looking spreadsheet template that you can download for free. You will need to have Microsoft Excel 97 or later, or OpenOffice Calc spreadsheet. This envelope budgeting spreadsheet should work on a Mac with the right Mac spreadsheet software (Office for Mac for one).