7 Free Personal Finance Software Downloads

Top Free Downloads for Personal Finance Software

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 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.

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 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.

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.

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.