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7 Free Personal Finance Software Downloads
Top Free Downloads for Personal Finance Software

By , About.com Guide

Free desktop personal finance software is getting scarce these days, with more freebies being offered via online financial software. But you can still find free software that manages money without an Internet connection, and this list shows you what is available and where to download to free software.

Updated: November 19, 2009

GnuCash

GnuCash offers attractive financial reports,  GnuCash is free accounting & personal finance softwareFrom A User Guide for GnuCash - Simba Management Limited
GnuCash free personal finance software download tracks bank accounts, stocks, income and expenses and has small business accounting features. GnuCash is based on professional accounting principles to ensure balanced books and accurate reports. GnuCash is actively and consistently developed, so this free software is improving all the time. GnuCash supports QIF imports and OFX downloads. GnuCash is free software, but if you use it and grow to rely on it enough you may wish to make a small donation using the link on GnuCash site.

  • Compatible Operating Systems: Windows, GNU/Linux, Mac OS X, Solaris, NetBSD, FreeBSD.

Buddi 3.0

Buddi Personal Finance Software for Linux OSBuddi Transactions
© 2006-2008 Wyatt Olson
Buddi 3.0 runs on Windows, Mac and other operating systems and has been translated into multiple languages. Buddi can encrypt financial data with a password and is designed to be easy to use even if you have no financial background. Features include budgeting, tracking accounts, personal finance report, and an envelope budgeting feature called Prepaid Accounts. Free plug-ins can be downloaded to add more features, like a financial dashboard or balance sheet, and online user manual is easy to read and use.

  • Compatible Operating Systems: Any operating system running Sun Java Virtual Machine 1.5 (you can get Java downloads here), including Windows, Mac OS X 10.4 and higher, and most flavors of Linux.

PL Cash 2.1

PL Cash is free personal finance software.PLCash © Copyright 2003, Paul Lutus
PLCash stores data in plain text format, which allows you to use a spreadsheet or word processing software to read and analyze your financial data. PLCash also offers useful personal finance reports, support for multiple account types and basic investment tracking. Data can be imported from Quicken, Microsoft Money or any other software that supports QIF data exports.

In exchange to for the convenience of storing data as plain text, PLCash does not encrypt data.

  • Compatible Operating Systems: Any operating system with Java Runtime installed.

Financial Fate Personal Financial Planning Software

Do your own in-depth financial planning with Financial Fate.Financial Fate - Trademark of Financial Modeling Solutions, Inc.
Financial Fate is for longer-term personal financial planning and has been designed to require no formal financial planning training to use. Financial Fate can tell you if your money management practices will lead to being financially solvent for life, or if you need to make some changes to avoid money problems later.

PearBudget Free Spreadsheet

PearBudget is very simple online financial software that tracks a budget.PearBudget.com
The PearBudget free spreadsheet template sets up and manages monthly spending and a budget quite effectively. PearBudget requires Microsoft Excel, OpenOffice, or any program that can run .XLS files.

If you prefer to use budgeting software without a spreadsheet, you can try PearBudget web-based budgeting software, which has a free trial and then costs $3 per month.

  • Compatible Operating Systems: Windows, Mac, Linux.

Ace Money Lite 3.17

AceMoney Lite is free personal finance software.www.mechcad.net
AceMoney Lite has an up-to-date look, supports investment tracking and offers e-commerce features. AceMoney Lite is really try-before-you-buy software and is limited to only one account. To get around this, create categories for multiple accounts with subcategories for income and expense budgeting. AceMoney Lite imports QIF or OFX financial data, and CSV data downloads with free data conversion software, so data downloads could prove to be a hassle. Still, AceMoney Lite is worth a try.

User manuals, tutorials and other documents are available on the AceMoney wiki. The full version of AceMoney runs $30, supports unlimited accounts, has free support and free upgrades forever.

  • Compatible Operating Systems: Windows, Mac and Linux.

Cashbox 0.50 for Mac

Cashbox has an attractive interface and promises a "a flexible, interactive environment unlike any other", but only offers basic personal finance software features. Multiple accounts, QIF data imports, transfers between accounts, and graphical reports are supported. Cashbox 0.50 reportedly runs slowly, and the developer promises to fix this in future versions.

  • Compatible Operating Systems: Mac OS X 10.4 or higher

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