Personal Money Management Software – A List Of The Top 10

Managing your personal financial situation is more important now than ever before! In this article, we will break down the top 10 personal money management softwares (in no particular order); but first let’s list some key features you need to think about when searching for the best personal money management software for your needs:

  • Uses your native language.
  • No knowledge of accounting required.
  • User-friendly interface that’s easy to use.
  • Hassle free document sharing between PC and Mac.
  • Unlimited accounts, contacts, and categories.
  • Supports multiple currencies with exchange rate manager.
  • Transaction reconciliation and auto-balance.
  • Recurring and scheduled transactions support.
  • Customizable calculator with full budget support.
  • Advanced recordable queries and statistics.
  • Fast Import and Export.
  • Password protection with multiple document interface.
  • Native versions for Windows and Mac OS X.


These are just some features that any good personal money management software will have.

Neo Budget

NeoBudget is an online money management system that uses the “envelope method”. Never heard of the “envelope method”? Basically, you would take your money and place it into different evelopes that are labeled for different uses.

For example, the labels could be:

  • Mortgage
  • Savings
  • Utilities
  • Grocery
  • Car Maintenance
  • Etc…

Once you run out of money from a certain envelope, you have to wait until next month before you could use money for that particular label again. NeoBudget takes that concept and puts it online! It simplifies the “envelope method” by placing your envelopes online.  It easily helps you track your spending habits and helps you stick to a budget. NeoBudget ensures your information will be secure. As NeoBudget says on it’s website: “You don’t need to be an accountant, and you don’t need to be good with numbers to use NeoBudget.  It is budgeting for normal people.” is a free, online personal money management system. It allows you to bring all of your financial accounts together on your mobile phone or on your PC. You can set budgets, track your goals, and get a clear  picture of your financial situation. is simple and streamlined.

It only takes minutes to sign up. Another great feature is the email system available at
You can stay up-to-date with monthly emails regarding your financial progress so that you don’t always have to sign in to figure out where you are in relation to your financial goals. is “read only” which means no money can be moved in or out of an account.
So your money is safe!

Quicken Online

Quicken Online is the online version of the desktop software.

It is designed for the individual instead of a company. Quicken Online is accounting-based, so some knowledge of accounting terms are required.

One of the great things about Quicken Online is it helps you set up a budget based on your past spending.
Very intuitive!  It also keeps track of your budgeting goals and tracks your progress.
There are different editions of Quicken Online and with different editions comes different price points.
The Quicken Online website allows visitors to compare the different editions at a glance and provides real customer reviews to make your buying decision easier.

Account Xpress 3

Account Xpress 3 is a downloadable software available for purchase.

You can use this software to track and reconcile almost any kind of account, like credit cards, credit lines, and cash.

You can create budgets, budget projections, and comparison reports.

Designed to help you manage your money easily and efficiently, Account Xpress 3 has a free 30 day trial.

Ace Money Lite

Ace Money Lite is a free personal finance software alternative for Microsoft Money and Quicken.

It is developed by MechCAD Software and has platforms for Mac, Windows, and Linux/Unix.

The free version only allows for 2 accounts, but if you upgrade to the paid version you will have permission to add more accounts.

Some of the features available while using Ace Money Lite are:

  • Multiple Currencies
  • Reminders
  • Tracking
  • Import From Other Programs
  • Make Transfers Between Accounts
  • On-Line Banking
  • Manage Budgets

Bills And Reminders

Bills And Reminders is built for Windows only.

Bills And Reminders helps you keep track of bill payments and due dates.

It color codes due dates based on aging, for better visibility.

Some other features include:

  • Automatic Balance Updates
  • Export Function
  • Reports/Ledgers
  • Reminders
  • Archive Of Old Transactions
  • Backup And Restore
  • Calculator

Bills And Reminders can help you stay on top of your weekly or monthly recurring bills with just a click of the mouse!

Checkbook Ease

Checkbook Ease is another software that can be used on Windows only. It offers more functionality for a lower cost compared to Bills And Reminders. Checkbook Ease is also 6 programs for the price of 1!  It is a budget planner, picture viewer, day planner, memo pad, task manager, and more! You can schedule transactions and balance a statement. Checkbook Ease also features a Credit Card Debt Reduction Planner… who doesn’t need that these days? Checkbook Ease Software Products  Six programs for the price of one!! 

 Checkbook For Excel

As the name implies, this software is only for persons who own Microsoft Excel. Checkbook Excel is compatible with Excel 97 / 2000 / XP / 2003 / 2007 / 2010.

You can download Checkbook For Excel and try it for 30 days…FREE! Checkbook For Excel will help you simplify your personal and business finances and with the latest version, you will have access to a host of new features and enhancements.

Some of these features are:

  • Unlimited Income And Expense Categories
  • Track 50 Different Financial Accounts
  • Enhanced Income And Expense Reports
  • Export Ledgers And Reports
  • Schedule Recurring Transactions
  • Split Transactions Across Different Categories


CommonCents is another personal money management software that uses the envelope concept. You can download a full-feature, free 60 day trial by going to the website! 60 days is an awesome time frame to figure out if this easy to use software is right for you!

CommonCents puts all of the focus on your budget. You can use ALL of your accounts inside of the software; that includes cash, credit cards, debit cards, checking, and savings accounts. After your 60 day trial, you will be able to purchase a License Key which will keep your software running smoothly.

There are no monthly subscription fees.

Debt Reduction Calculator

 The free Debt Reduction Calculator can help you figure out how fast you can get out of debt. The Debt Reduction Calculator is a simple spreadsheet available for Microsoft Excel, OpenOffice, and Google Docs.  It helps you come up with a plan to manage your payments in order to effectively pay off your debts. One of the unique features of this spreadsheet is the ability to choose different debt reduction strategies.

The Debt Snowball – Pays the lowest balance first.

The Debt Avalanche – Pays the highest interest first.

This spreadsheet can help you eliminate credit card, student loan, and auto debt. The best part…it’s FREE!


 In the previous pages, we have listed 10 of the most popular personal money management softwares available. Some are free, some are paid. Some are available for different platforms and some are only available for Windows. Take a look at each software and weed out the ones that don’t fit your pocketbook or your operating system. And get your personal financial situation on track!



NeoBudget, Mint.comQuicken Online, Account Xpress 3, AceMoney Lite

About The Author

Keroy King

Keroy King is a Financial Educator, Podcast Host, Keynote Speaker & Empowerment Expert, residing in Los Angeles, California and the Founder of "Life Then Finance" a community where she coaches individuals to overcome personal and financial obstacles that are holding them back so they can quickly and effectively live a full-filled and purpose driven life. Even when they think the odds are stacked against them. She is also an online course creator & instructor of several personal finance and personal transformation online courses.