Free software for managing household budget

It lets you make charts and graphs to help track your spending. The homepage is a comprehensive snapshot of your current financial situation, and it is compatible with Windows, macOS, and Linux. It also does a few things that not all personal finance budgeting apps offer. Moneydance keeps track of your investments and helps with stock split and cost basis computations. It may not be appropriate for budgeting beginners, but it has a lot to offer for more experienced personal money managers. Software app Personal Capital is pretty popular and offers a lot of free tools that make it a good choice for just about anyone.

It is a budgeting tool that lets you import transactions from your various accounts, just like most others. Unfortunately, it doesn't let you create your own budget categories. You're stuck with the list the app provides. After you understand how to navigate the site, you can create numerous charts for both spending and savings, comparing your budget from one week or one month to the next.

This app is very well suited to those who want to grow their wealth. It even tracks fees you pay to brokers and will alert you if it begins to look like that you might want to bail on a particular investment and think about putting your money elsewhere.

Budgeting apps are beneficial in tracking your income and expenses, no matter how complex your financial setup may be. Personal budget software apps can help you manage your budget, spending habits, and saving habits on the go.

Each app offers basic features and possibly unique features to help you stay on track. Some budgeting apps also can help you track credit card balances and money in banks and brokerages. Personal budget software apps are worth the cost if you have tried and failed to budget on your own. Such apps can help build positive habits if you commit to inputting your data and following the budget you create. We chose these best apps based on the features, pricing, ease of use, and compatibility with a wide range of devices.

We closely looked at features and the type of budgeting method used to ensure the app would work well for a broad set of budgeting needs and goals. University of Pennsylvania. Actively scan device characteristics for identification.

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Available to United States residents. By clicking sign up, I agree that I would like information, tips, and offers about Microsoft Store and other Microsoft products and services. Privacy Statement. My Budget Free. See System Requirements. Available on Mobile device. Description My Budget Free is the free version of the highly successful and top ranked My Budget app.

Show More. People also like. Netflix Free. Spotify Free. Bookmark Tiles Free Free. Google server protection: Unless you've shared your Google Sheet with someone, nobody can access your files without your Gmail account username and password. For this, Google offers two-factor authentication and physical security keys like YubiKey. Allows users to plan their household's spending using the "envelope method," where they allocate a certain amount of their income into categories like groceries, rent and debt payoff.

Users are only supposed spend what's in their envelopes and if they go beyond their budget the envelope will show red to indicate that they overspent.

App is free, but users have option to add investment management services for 0. Desktop software that uses double-entry accounting method to tracks users' bank accounts, income, expenses and investments. It also offers basic accounting functionality for small businesses to manage invoicing, bill payment and payroll. GnuCash is not an online, cloud-based program so no one has physical access to your data; the software runs on your computer and your data lives wherever you store it, such as on your desktop, a hard drive or Dropbox.

Budgeting gets a bad rap for being a monotonous and tedious task, but it can also be a helpful way to understanding your spending habits. And a budgeting tool can make the process a lot easier if you find the right one for your needs. That tool might be an already-formatted spreadsheet where you just plug in your transactions, or an app that auto-categorizes your spending for you. Because different budgeting tools offer slightly different approaches to tracking your money, first decide how intentional you want to be.

Hands-on methods, such as manually enter your transactions into a spreadsheet, may take more time, but the process can help you be more thoughtful about your spending. You'll also want to decide if you want to pay for a budgeting tool.

While the top-rated tools on this list come no cost to users, those who don't mind paying a premium have options for budgeting tools with more robust features. Learn more in the app's review. Once your budget is created, the bulk of the work is done and from then on you are just revisiting it to make tweaks as your spending habits or income change. To determine which free budgeting tools offer the best user experience, Select analyzed over a dozen different budgeting tools and looked at their features and user reviews.

We narrowed down our ranking by looking for at least one pick in each of the following categories: spreadsheets, desktop software and smartphone apps. We wanted variety in the ways users can build their budget, and we ranked each tool by who it is best designed for anyone, beginners, investors or small business owners. The five tools we selected for this ranking are all free and easy to use. For our selection, we also favored budgeting tools that have strong user reviews. Other factors we looked at included the security features, user customization and illustrative data insight, such as graphs and reports, that are available.

Skip Navigation. Select Logo. Measure ad performance. Select basic ads. Create a personalised ads profile. Select personalised ads. Apply market research to generate audience insights. Measure content performance. Develop and improve products. List of Partners vendors. Financial Planning Financial Software. Part of. Necessary Gear. By Shelley Elmblad Full Bio LinkedIn Shelley Elmblad is an expert in financial planning, personal finance software, and taxes, with experience researching and teaching savings strategies for over 20 years.

She earned her bachelor's in business administration from the University of Wisconsin and has successfully completed additional coursework and certificates in public administration, computer networking, small business accounting, and small business management.

Learn about our editorial policies. Reviewed by Somer G. Anderson is CPA, doctor of accounting, and an accounting and finance professor who has been working in the accounting and finance industries for more than 20 years.