Do you know how you spend your money?
Not too long ago, your only option was to purchase similar budgeting software like Quicken.
But what if you don't have extra cash to spend on software to watch your cash? That's when getting free budget software can be very useful. They may not have all the bells and whistles as a paid package, but they work well enough so you understand where your money is going.
Fortunately, because of advertising and other monetization methods, there are plenty of free budgeting tools worth using. Even if you are tired of paying for software that provides little value, it's possible to save money and still track your money goals.
May 13, 2020 The software also lets you view your budgets on a variety of time periods (monthly, annually, and so on). And it provides tools to help automate your data entry.
These tools can help you make a spending plan and track expenses. You can effortlessly connect your bank accounts, investments, and credit cards from any computer or mobile device with internet access.
1. Personal Capital
Personal Capital is one of your best options if you care more about tracking your net worth and investment performance than budgeting. Their platform syncs your bank and investment accounts. To see how rich you really are, you can manually add the value of tangible assets like your house, vehicles, and collectibles.
Download Home Budget Tracking Mac Software Advertisement Home Budget Pro for Mac OS X v.2.5.5 Home Budget Pro supports hundreds of financial institutions so you can download your credit card transactions throughout the month. Personal Capital. Personal Capital is one of the best personal finance software options out. Download Family Home Budget Mac Software Advertisement Home Budget Pro for Mac OS X v.2.5.5 Home Budget Pro supports hundreds of financial institutions so you can download your credit card transactions throughout the month. Buddi is an open-source budget software that runs on Windows, Mac, and Linux systems and has been translated into multiple languages. Buddi can encrypt financial data with a password, and it's designed to be easy to use even if you have no financial background.
The best budget software for Mac comparison. When it comes to programs to help budget money, there are countless options. It’s easy to get lost diving deep into each budget software review, but here are some of the best available, ranging from beautifully basic to powerfully advanced.
The free investment tools include a retirement tracker and fee analyzer. If you want to retire rich, these tools are a great starting point. The only time Personal Capital costs money is if you use their optional wealth management service.
What's also nice is that Personal Capital has a suite of investing tools too. This way when you're ready to start investing, the tool can grow with you and you won't have to switch to something else.
2. YNAB
YNAB (You Need a Budget) deserves a higher spot but it's only free to college students for one year. First-time budgeters have an average $600 savings in the first two months according to YNAB. If you're serious about budgeting and knowing how you spend every dollar, YNAB can be well worth the $84 yearly fee.
YNAB adheres to four basic rules so you can pay this month's bills with last month's paycheck:
Most of the pieces of the software mentioned are suitable for Mac, as well as Windows. Some have web apps, whereas others have a dedicated program to install. Quicken, Turbotax, Future Advisor, Mint, and Personal Capital are all examples of personal finance programs that work well on Mac. Jun 12, 2020 Best personal finance software of 2020: free and paid versions for budgeting. Made primarily for Mac. Which means that you are licensed to run it on multiple dekstops at home. While no free.
- Give every dollar job
- Embrace your true expenses
- Roll with the punches
- Age your money
You can sync U.S. or Canadian bank accounts with YNAB. For other accounts, you will need to import your accounts' QFX, OFX, or QIF files. File imports can be a hassle yet it's still quicker than manually entering every transaction.
Your accounts sync in real-time across multiple devices. This makes budgeting easy as you and your spouse see the same information. YNAB works with almost any internet-connected device including Alexa and your Apple Watch.
(read our You Need a Budget review for more)
If you like YNAB but are not ready to upgrade, try EveryDollar.
3. Mint
Mint is probably the most popular free money tool. One reason is that it's one of the oldest programs. Second, the same company (Intuit) that owns TurboTax also runs Mint. Maybe you use TurboTax to file your taxes for free.
You can sync your credit cards, bank accounts, and investments to track budgeting goals and assign budget categories to each purchase. Mint can also send your alerts for events like bill due date reminders, ATM fees, being over-budget, and large or unusual transactions.
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You can also track investment performance with Mint. This is a helpful tool to let you monitor all your accounts in one dashboard. However, the main reason to use Mint is for the budget tools.
4. GnuCash
Accountants at heart will like GnuCash. You can track bank accounts, stocks, plus even small business income and expenses. Clearly see your data using reports, graphs, and a checkbook-style register. Advanced features include tracking accounts in multiple currencies, check printing, and double-entry accounting that ensures your accounts stay balanced.
This powerful software is completely free and open-sourced. GnuCash users are continually adding new features to make finance personal. It's possible to import QIF and OFX bank account documents your current accounting software may rely on.
You can use GnuCash with most PC, Apple, and Linux operating systems. An Android mobile app is also available.
5. Google Sheets
Sometimes the simplest budgeting tool is the best. You can use a premade Google Sheets template or make your own. The online sheet can be more user-friendly than still logging every income and expense on pen and paper. Although you must still manually input each event, you can customize your budget spreadsheet.
One of the best reasons to use Google Sheets is that it's accessible from any computer or laptop. Multiple people can make changes to the sheet when you grant them edit access.
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If you want some automation, you can get Tiller Money to automatically pull your transactions (from your credit card, bank, etc) into your sheet for you.
6. Goodbudget
As the war on cash wages on, Goodbudget is a free digital envelope budgeting tool for those of us who use online bill pay. You can assign budget categories for up to 20 envelopes and track spending on two devices. Upgrading to the Plus plan costs $50 a year and you get unlimited envelops and can use Everydollar on up to five devices.
7. Truebill
Truebill can help you track spending, make savings goals, and reduce recurring expenses. You can sync your money accounts to get spending reports and make a basic budget. If you want to cancel subscriptions, Truebill provides free how-to instructions.
You can also use Truebill to negotiate bills for a lower cost. It's free to start the negotiation process. Truebill keeps a 40% success fee of the total savings for the first year. At least you don't have to get on the phone and do it yourself. You can save the most money if you have a cable tv bill or a contract cell phone plan.
Truebill works on any computer or mobile device. Although their iOS and Android apps offer more features to automate your finances.
8. Everydollar
Dave Ramsey fans should consider Everydollar. You assign every dollar you earn a budget category. This zero-sum budgeting strategy is similar to the money envelope system. If you don't know where to start with making a budget, you can start with the standard Everydollar budget template. Their debt snowball feature can help you make a plan to get out of debt.
The free Everydollar plan requires you to manually add each transaction. Upgrading to the Plus version costs $129.99 per year but automatically downloads your bank account and credit card transactions.
See our Everydollar review to learn more about the free and premium tools.
9. Wally
Wally is a free budgeting app although you will need to manually input transactions. Automatic bank account linking costs $1.99 per year. You can color-code your budget categories and make group budgets. Expense tracking can be easy as Wally lets you take pictures of receipts.
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One reason to consider Wally is that the free version is ad-free. Like most apps, you can make in-app purchases to take budgeting to the next level. Premium tools include currency conversion, bank account linking, and other advanced budgeting and data export features.
Wally is only available as an app for iOS and Android devices.
Summary
The best free budgeting tools can be as simple or advanced as you desire. In the past, most budgeting apps cost money. That's no longer the case whether you prefer to budget from your computer or phone.
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Are you going to try one of the free tools? Which feature is the most exciting?
Best Free Home Budget Software For Mac
Quick Budget or Budget by Month
Create a budget in just a few minutes with our Quick Budget worksheet, or build a unique budget for each month with our Budget by Month worksheet.
Track Spending on Monthly or Daily basis
Depending on how diligent you want to be with your spending, you can choose to track spending monthly or track spending daily.
Spending Alerts
On the Budget Tracking worksheet, you will be notified if your actual spending is over budget.
Free Home Budget Software Mac
Budget vs Actual Spending Comparison
The Budget Comparison worksheet lets you know exactly where you've overspent or underspent. For each line item in your budget, your actual spending is compared to your personal budget.
Dynamic Charts Illustrate Spending Habits
Charts are provided on each sheet to help you quickly understand your budget and spot any trends in your spending habits
Access your Excel Budget from Anywhere
Want to access your planner from another computer?
Not a problem- purchase the Premium Package and store your Budget Planner online so you can access it from anywhere via our Premium Access service.
Works with all versions of MS Excel
Our budget software is compatible with Excel 97-2013
(Including Excel for Macs).
Expanded versions free of charge
Pre-customized versions with additional rows and categories will be available to you as part of the standard download.
Available in Dollars ($), Pound Sterling (£), Euros (€) and Rand (R)
Pre-customized versions with alternate currencies will also be available to you as part of the standard download.
If you're not satisfied with your purchase, please contact us within 30 daysat support@simpleplanning.net and we'll provide a full refund.
1. You're budgeting for a reason — to save money- so make it count. Try to save at least 5% of your income each month.
2. Make a list of free things to do each month. A concert in the park, hiking on the weekend, volunteer time at a soup kitchen. Be creative.
3. Track your actual spending. Don't fall into the trap of setting up a detailed budget template and then forgetting to track against it. Track your spending daily, weekly, fortnightly, monthly, hourly, whatever- just make sure you're tracking what you actually spend!
To uninstall our program simply locate the Excel file on your computer, select it and press delete. Since all of our programs are simply Microsoft Excel files, uninstalling is that easy.