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Personal Finance and Productivity apps by iBear: Money, Money Pro, Checkbook HD, Bills, Debt Down, Notes HD. Apps for iPhone, iPad, Mac and Android. Quicken Deluxe includes more personal finance management tools than any competitor, but it's relatively expensive and many features aren't available in the mobile apps. Still, no one does personal. Here's a great personal finance app that gives you a complete picture of your spending and net worth while also keeping track of all your investments. Amazingly, the app is integrated with over 14,000 different financial institutions. You'll be able to link your accounts and track all of your holdings in real-time. Empower Money Management. Being Time Magazine’s 2017 “The Best Apps of the Year” and Forbes’s “Best Tech Apps for Finance” and having featured by Apple as 2017’s “New Apps We Love,” Empower has been widely appreciated as a fantastic personal finance app. It lets you monitor your finances in one place. The company offers classes on budgeting and has made the YNAB 4 free to all college students. The classes on personal finance span from learning to prioritize using their proprietary four rules method, dealing with your debt and Age your money. YNAB is available for iPad.
Ten years ago, there were no solid personal finance apps out there. If you wanted to track your money, you didn't have many options beyond websites like Google Finance. I got my start tracking our budget and net worth with a spreadsheet. I would learn about Intuit's Quicken software but it felt silly to pay for software to help me save money. It wasn't until later that other personal finance tools started to appear.
The best personal finance software works like a money management app that gives you an instant snapshot of your financial situation in seconds. A lot of the problems we face when dealing with money is how much time it takes to stay on top of things. A good personal finance app will help you save time and money.
Earlier this year I polled the readers of Wallet Hacks for their “must-have, can't live without” money apps. I compiled their responses and made the following list of best personal finance software (most of which have a mobile app).
Best Money Management App – Personal Capital
A financial dashboard is a place where you can see everything involving your money in one place. Your assets, your liabilities, your net worth – all your financial accounts visible on one convenient page.
This is important because when that information is easily accessible, it's easily remembered and understood. We use it to pull in all of our data, though we ignore the credit card debt piece because we pay off our bills every month in full.
Os x mavericks download free for windows. What's easier – logging into one account or logging into a dozen?
When it comes to a financial dashboard, the clear leader is Personal Capital. It has a rich suite of tools built around investments, with a nod towards expense tracking similar to Mint, so you can get a sense of where everything is at a moment's notice. If you're interested in a consultation with a financial advisor, they have that built-in as well and it's something that helps them stand out from other similar services. It's how Personal Capital makes the money that supports the free tool.
This app is for you if: You want an instant snapshot of your finances, from your investments to your budget, in one place. Personal Capital is free.
Best Investing App – Robinhood
Robinhood is a stock brokerage that offers commission free trades through their app or web interface. They're like any other brokerage, they use Apex Clearing Corporation, are a member of FINRA, and have SIPC insurance for up to $500,000 like any other brokerage. There is no account minimum, no maintenance fee, and you can even trade crypto if you're so inclined.
They make money by offering a Robinhood Gold subscription service that gets you margin and after-hours trading. If you want to trade stocks, I find it difficult to argue against a Robinhood and their free trades.
For a limited time, you can get a free share of stock from Robinhood.
Best Budgeting App – You Need a Budget
If you want to change your budget, You Need a Budget (YNAB) is one of the most powerful tools you can use because it does more than track your expenses – it actually helps you build and stick to a budget.
One of the biggest challenges in money management is in near-term planning. What are you going to do next week and next month?
Retirement can be decades away but you are spending money today and tomorrow. By getting the next month right, you go a long way towards getting your money situation under control.
YNAB has a four rule methodology that has worked well for its users.
- Give Every Dollar A Job
- Embrace Your True Expenses
- Roll With The Punches
- Age Your Money
Another reason why YNAB is powerful has to do with its educational tools and community. You will not find this with financial tools like Mint. There are no Whiteboard Wednesdays to help you understand your money a little better. This is what separates them from the pack in many ways. Our You Need a Budget review goes deeper into the app and the company if you wish to learn more.
This app is for you if: You want to transform your budget and get your spending in line with your financial goals. Copy paste mac app. YNAB costs $6.99 a month after a 34-day trial.
It's this methodology around the tool that makes it powerful.
Budgeting Runner Up – Mint
For tracking a budget, Mint is one of the most popular free budgeting tools out there and we wanted to list them because they are free to use.
If you don't have sizable investments, Mint is a very powerful tool that is better for budgeting but less effective for investments. I felt like Mint was fantastic up to a point. Once you focus more on investing than budgeting, Personal Capital has far more tools to help you succeed.
This app is for you if: You want to know where your money is going each month without having to log into multiple accounts. Mint is free.
Best Support Tool – Tiller
Tiller is a service that will connect with your bank and credits card to pull daily transaction data into a sheet on Google Docs. No other service out there offers this. You can choose to start from half a dozen templates or roll your own, but Tiller will update it automatically from 100,000+ financial institutions.
Tiller automates your custom spreadsheet so it fits you perfectly. Don't change the way you do things to match a tool, add Tiller and bring your spreadsheet into the 21st century.
Tiller is a monthly subscription but it won't inundate you with advertisements or pitch you on their financial planning services as an upsell. (to be fair, other companies need to do that because they are free – the bills have to be paid!)
You get the customization of a financial spreadsheet but the automation piece so you don't need to login to all of your accounts and update everything manually. Removing that hurdle makes money management that much easier. They offer a free 30-day trial.
This app is for you if: You love spreadsheets or have one you've tailored but need a tool to help you pull the data for you. Tiller costs $6.58 per month ($79/year) after a 30-day trial. (here's more about Tiller)
Cost Of Apps For Ipad
Best Micro saving App – Acorns
One of the newest innovations in personal finance apps is the idea of a micro-savings app – where you can automatically save small amounts of money and have it invested in the market. The idea is that these apps will figure out how much they can transfer into an investment account without you, or your budget, realizing. It's less active than traditional saving but more effective if you're the type of person who doesn't actively manage your budget daily.
One of the best in class is Acorns, which doesn't rely on a black box “guessing” how much to save. When you make a purchase, the amount is rounded up and transferred. This predictability is often seen as a better process than some other apps, which “guess.” Guessing can be a little scary.
They also have a “Found Money” feature with some partners where if you purchase with a merchant, they may contribute a small bit to your Acorns account.
Here is our full review of Acorns.
Best Personal Finance Assistant – Trim
If robots can help you invest, perhaps they can help you do some of the more mundane jobs you don't want to?
Dragon age 2 mac download free. That's the idea behind Trim, and a whole host of similar apps. Qu-16 mac app.
Trim is free to use and they can help you renegotiate your bills like with your cable provider, including Comcast, Time Warner, and Charter. They connect to your accounts, analyze your recurring subscriptions, and identifies areas where you could be saving money. The cable is just the start, they will look at other subscriptions too including your car insurance.
The best part is that they handle the negotiations for you. No more calling Comcast and navigating the phone menu for ages – they do it for you. If you want to cancel, they'll do that for you too.
Here is our full review of Trim.
Summary
There are a lot of apps, many of them free but some of them paid, that will help you save time, save money, and save gray hairs.
Want to hear something funny? When we surveyed of our readers, the number one “app” was Microsoft Excel. Far and away the most popular application for anything – budgeting, financial dashboarding, net worth, whatever category you picked – it was Microsoft Excel.
Microsoft Excel is all about finding a template and customizing something that fits your exact needs. It can be a lot of work but that hands-on interaction means you know the data is pristine. You can rely on tools like Tiller to pull the transaction data too so you get the automation (it works with Google Docs).
I use Microsoft Excel to track our net worth, with Personal Capital pulling the data. It's a nice little set up but it takes some time to get going.
The apps on this list are pre-built, faster to get into, and free. If you're starting from scratch, these apps will get you there faster but will not fit you like a glove. Excel is like a custom-tailored suit, these are off the rack.
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We asked you to rate the Mac personal finance software that’s near and dear to your heart (or that had let you down), and nearly 700 TidBITS readers answered our survey of 34 apps with close to 1,400 votes (see “Vote for Your Favorite Mac Personal Finance App,” 17 February 2016). We found that the landscape for finance apps is still dominated by Intuit’s Quicken, but there are several alternatives that our readers recommend wholeheartedly.
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All four versions of Quicken in our survey made the top ten in terms of vote count, with varying ratings. While few apps elicit the level of contempt and resignation as the most recent Quicken editions, Quicken 2007 finished near the top for both vote count and ratings. To paraphrase the band Chicago, Quicken can be a hard habit to break. Quicken 2007 user Paul Brown voiced his reluctance in testing other finance apps. “You can’t do a good evaluation of any financial management application without really using it for some significant time period,” he said, “and meanwhile you want to keep your data entry current in your current application, doubling the time and effort spent doing your bookkeeping while also doing new appevaluation.” Despite the extra work, he continues to explore alternatives (particularly SEE Finance), as he’s worried about Quicken’s long-term viability due to Intuit’s plan to sell it (see “Intuit to Sell off Quicken,” 24 August 2015).
Still, some have found alternatives to the Quicken quagmire. Here are a few takeaways:
- When looking at the top Quicken alternatives by weighted average and vote count, Moneydance (the top rating, second-most votes) and Banktivity (most votes, third-best rating) are the clear favorites.
- If those two don’t float your boat, check out other apps that scored well in the ratings, but didn’t collect quite as many votes (such as SEE Finance, Moneywiz, and CheckBook/CheckBook Pro).
- Be sure to look at the full results and read the comments on the original article, since there’s a lot of useful information there that we couldn’t convey here.
- Don’t forget to read Michael Cohen’s articles on “Finding a Replacement for Quicken” (5 August 2011) and “Follow-up to Finding a Replacement for Quicken” (20 September 2011), which helped readers understand their needs and choose from the available alternatives.
When it came time to evaluate the results, we calculated the weighted average for each app, assigning a weight of 1 (Avoid it) through 5 (Can’t live without it) for each the five choices — the best weighted average possible is thus 5. Apps that received only a handful of votes have skewed weighted averages, of course, so we also counted the raw number of votes each app received.
Here’s the full list of financial apps, sorted by number of votes. We offer rating graphs and commentary for the apps that garnered the most votes; for the rest, the research is up to you, since only you know what features are important. Focus on apps that have free trial versions and strong import capabilities, since you’ll want to get some experience with the app before you commit to it, and because you’re likely to want to use this app for years, stick with apps that are getting regular updates.
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Quicken 2007 (244 votes, 3.16, 10.7+) — Read comments from the previous article.
The cumulative 800-pound gorilla of Mac finance apps, four editions of Quicken made it into the top ten — Quicken Essentials, Quicken for Windows, Quicken 2015/2016, and Quicken 2007 — with a total of 602 votes. In terms of rating and votes, Quicken 2007 topped the Intuit list, and many commenters pointed to the comfort they felt in continuing to use a now-discontinued app first released over eight years ago. Doug Hogg said, “It’s like an old shoe — I know how to work it, so I am not changing until I have a very good reason.” Andrew Malis noted that Quicken 2007 is “creaky around the edges — I periodically have to rebuild the database — but it continues to work solidly even with a 30 MB database and transactions goingback to 1992.”
John F. Richter added that Quicken 2007 “does everything I need it to do very well. I have been using it from early versions to balance my check books, credit card accounts and maintain my assets and have 15 years of history accumulated. What I like about it is the flexibility of reporting to facilitate tax accounting, reconciliation of accounts, and asset management.” He did try Quicken 2015, but “was reluctant to commit to this weaker version.”
This echoes the main theme that readers cited in not moving to newer editions of Quicken or alternative finance apps — the features work well in Quicken 2007 and haven’t been replicated elsewhere to satisfactory levels. Kelvin Smith said, “I find that the recent versions of Quicken are not useful primarily because they lack annual budgeting.” Edward Pittman has tried other options, but has returned to Quicken 2007 due to cumbersome data entry and less-flexible charts and reports. Dave Creek added, “Quicken 2007 still has by far the best report feature, including custom reports.”
Quicken 2015/2016 (173 votes, 2.54, $74.99, 10.10+) — Read comments from the previous article.
Quicken 2015/2016 was supposed to assume the Quicken mantle, but many point to the lack of Quicken 2007 features — from basic to advanced — missing from the new version (for instance, Glenn Fleishman noted its lack of report customization in “Quicken 2015: Close, But Not Yet Acceptable,” 2 October 2014). Commenter Michael Schmitt pointed to Quicken 2007 being “the gold standard on OS X for tracking and reporting lot-based investments. If you do not track investments, Quicken 2015/2016 may be perfectly adequate for you. But if you do need to track investments, Quicken 2015/2016 still can’t do it.”
It’s notable that this comment from GraniteDon was the highest praise anyone could muster for the latest editions of Quicken: “While Quicken 2016 still lacks some features compared to Quicken 2007 (notably loan amortization), I am satisfied with it and would not consider any other software as long as Quicken is available.”
Unlike Quicken 2007, Quicken 2015/2016 does have a mobile app companion in the free Quicken 2014/2015/2016 Money Management iOS app, but Dennis B. Swaney calls it “rudimentary” (and it has garnered only a 1.5-star rating from the App Store for its most current version).
Both Quicken for Windows (when used in a virtual machine) and the discontinued (and much reviled) Quicken Essentials also placed in the top ten for votes, with Quicken for Windows receiving the ninth-best rating (3.04) from 55 votes. It’s probably an option mostly for people already comfortable with Windows. Despite receiving the fifth-most votes (130), Quicken Essentials has the worst rating of the top ten with a dismal 1.62 — it clearly won’t be missed.
Banktivity (previously iBank) (246 votes, 3.52, $59.99, 10.9+) — Read comments from the previous article.
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After going by the name “iBank” for 13 years, our survey’s top vote-getter and third-highest rated app recently underwent a name change to Banktivity (see “Banktivity 5.6.5 (formerly iBank),” 8 February 2016), which IGG Software says is derived “from joining ‘bank’ and ‘activity.’” The company says that it’s easy to import accounts, transactions, categories, and investments from Quicken, and several commenters supported this claim. Martin Zibulsky started using iBank four years ago, and found that importing and converting data from Quicken 2007 was indeed easy. Eckart Goetteappreciated its tracking of international investments and activities, adding, “The multi currency feature is very helpful. I don’t miss Quicken and applaud Banktivity for their innovative features.” Still, the app is not without its frustrations, as commenter Ray said that date handling and scheduled transactions are not as easy to deal with as in Quicken.
Banktivity enables you to use OFX direct connect banking (support varies by bank), and it also includes an integrated Web browser for downloading files from a bank’s Web site. If neither of these options work with your bank, IGG Software also offers the optional Direct Access service (which can be accessed via the Mac app and its two iOS apps), which connects to thousands of banks worldwide and costs $39.99 per year. Unlike Intuit’s free Quicken 2014/2015/2016 Money Management universal iOS app, the Banktivity for iPad app costs $19.99 and Banktivity for iPhone is $9.99 (with the latter providing an Apple Watch app).
Moneydance (154 votes, 3.68, $49.99, 10.7+) — Read comments from the previous article.
Receiving the highest rating of all the apps, Moneydance from The Infinite Kind has been an appreciated Quicken alternative for over a decade (see “Moneydance Eases a Tax Burden,” 11 April 2005). Several commenters gave props to Moneydance doing well with the basics — online banking and bill payment, account management, budgeting and investment tracking, and support for multiple currencies — and voters gave it the top rating. Rick summarized, “It does what I need, upgrades have either been free or reasonably priced, and support (rarely needed) has been very good.” Commenter Reebee added, “Moneydance has its quirks — the interface needs customization options, reports are toolimited, and it needs a proper find and replace option. But the learning curve to switch was easy, I had no trouble importing years of Quicken data, documentation is good, and customer support has been surprisingly helpful.”
While Michel Hedley was a bit frustrated in The Infinite Kind’s speed in making feature enhancements and improvements, Moneydance supports third-party extensions, and a number of free extensions are available to download directly from the company’s Web site (including a Find and Replace extension that could ease Reebee’s complaint). In addition to the Mac, Moneydance is available for Windows and Linux systems, and the free Moneydance Personal Finance Manager iOS app uses Dropbox to sync to Moneydance on your desktop.
SEE Finance (69 votes, 3.61, $49.99, 10.6+) — Read comments from the previous article.
The feature-rich SEE Finance from Scimonoce Software scored the second-best rating of the bunch, and it garnered accolades from commenters for its depth. Steven Mattson gushed, “As an owner of rental property I appreciate [its] transaction downloading capability, fast search engine, ability to create custom reports and tax code indexing. The customer support is the best I have had with any software.” Mac Bakewell chimed in, “I’ve been using SEE Finance since 1/1/11 to manage 20 separate checking, savings, investment, and credit card accounts in two currencies (U.S. dollars and Thai baht). While there is really nothing in my digital world that falls into the ‘can’t live without it’ category, SEE Finance continues to be aperfect fit for my needs, just as it has since day one.”
Download entrapass web for mac. Mac os x 10.4 google chrome download. SEE Finance imports a number of data formats (QIF, QMTF, CSV, QFX, and OFX files), offers investment and loan tracking, provides custom report creation, and works with over 150 currencies. However, Scimonoce Software only offers a desktop app — no iOS app for mobile tracking.
MoneyWell (60 votes, 3.25, $49.99, 10.7.5+) — Read comments from the previous article.
MoneyWell from No Thirst Software garnered the sixth-best rating, with most of its votes giving it a vote of confidence as a solid performer. In addition to the standard ledger system found in other finance apps, MoneyWell uses an envelope-style budgeting system where you’ll assign balances in your accounts to certain buckets. Your expenses will drain those budgetary buckets, and they’ll get refilled each time you add a paycheck or other income. Joseph said, “I love the fact that it uses the envelope system. This is why I bought it in the first place. I don’t just want to track where I spend my money. I want to discipline it.”
Following a stall in development in 2014, No Thirst Software’s ownership was taken over by Kevin LaCoste after original developer Kevin Hoctor was hired by Apple, and updates have appeared more frequently over the last year. Charles E. Flynn has seen improvements, noting, “The program can now duplicate a split transaction, preserving all of the details. If only the QIF format could export split transactions properly, with all of the memo lines preserved, people would be able to move from one program to another easily.” MoneyWell offers two iOS apps — MoneyWell Express for theiPhone and MoneyWell for iPad — and Joseph hopes that their revived development will smooth out what “has always been a squirrelly process.” However, Charlie Franklin switched to Banktivity because of problems importing QFX files and connecting directly to banks in Australia.
The Rest of the Personal Finance Apps — We can’t cover all of the 34 apps that we identified in detail, so for the remaining 26 apps, we’ve listed the number of votes, rating, and price, and included a link to the app’s Web site, along with a link to any available comments about it. Let us know in the comments if there’s a better way we could do it in the future.
- GnuCash (34 votes, 2.65, Free, 10.5+) — Read comments from the previous article.
- Money (29 votes, 2.41, $39.99, 10.7+) — Read comments from the previous article.
- Moneywiz (24 votes, 3.29, $19.99, 10.8+) — Read comments from the previous article.
- iFinance (19 votes, 2.89, $29.99, 10.10+)
- CheckBook/CheckBook Pro (18 votes, 3.44, $14.95, 10.7+) — Read comments from the previous article.
- PocketMoney (17 votes, 3.12, $19.95, 10.6+) — Read comments from the previous article.
- iCompta (13 votes, 2.85, $29.99, 10.8+) — Read comments from the previous article.
- AceMoney (8 votes, 1.75, $39.99, 10.6+)
- Budget (8 votes, 2.38, $39.95, v10.3.9+) — Read comments from the previous article.
- iCash (8 votes, 2.00, $49.90, 10.7+)
- How to show all apps on mac. SplashMoney (8 votes, 1.63, $19.95, 10.8+)
- jGnash (7 votes, 2.14, Free, 10.7+)
- Liquid Ledger (7 votes, 1.71, $49.99, 10.4+)
- Buddi (6 votes, 2.00, Free, 10.5+) — Read comments from the previous article.
- moneyGuru (6 votes, 2.33, Free, 10.7+) — Read comments from the previous article.
- My Checkbook (6 votes, 2.00, $19.95, 10.4+)
- General Ledger (5 votes, 1.20, $14.99, 10.9+)
- Finance (4 votes, 1.00, $14.99, 10.5+)
- MoneyBag (4 votes, 1.25, $29.99, 10.7+)
- My Money (4 votes, 1.50, $49.95, 10.7+) — Read comments from the previous article.
- SimpliBudget (4 votes, 1.00, $2.99, 10.7+)
- Squirrel (4 votes, 1.25, $14.99, 10.11+)
- Growly Checkbook (3 votes, 1.00, Free, 10.7+)
- Split full screen apps on mac. Home Accountz (3 votes, 1.00, £39.00, 10.8+)
- Moneyspire (3 votes, 1.00, $54.99, 10.7+)
- Savings (3 votes, 1.00, $14.99, 10.10+)