Best Personal Finance Software

Jeremy Biberdorf Image
Updated
Feb 25, 2024
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Navigating the complex world of personal finance requires robust tools that can provide a comprehensive view of your financial landscape. Personal finance software has become indispensable for individuals looking to manage their budgets, investments, savings, and overall financial health effectively.

This guide explores the best personal finance software of 2024, offering insights into features that cater to diverse needs, from basic budget management to sophisticated investment analysis.

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Quick Breakdown

Best Personal Finance Software Options


  • A stalwart in personal finance management.

  • Ideal for goal-oriented financial planning.

  • Premier choice for retirement planning.

  • Exceptional for monitoring spending habits.

  • Superior for its Google Sheets integration.

  • Outstanding for detailed budgeting.

  • Top pick for financial forecasting.

  • Best for seamless bank integration.

  • Tailored for advanced financial professionals.

  • Unmatched in asset diversity tracking.

The Best Personal Finance Software in 2024

Quicken

4.5 stars
Cost Varies
Best For Overall personal finances
Benefits
Overview
Company
  • Pioneering software with a broad spectrum of financial tools.
  • Seamless integration with financial institutions for comprehensive tracking.
  • Advanced investment insights and real-time financial updates.
  • Promo: Star a 30-day Free Trial Today!
Quicken has set the standard in personal finance management, evolving from a simple budgeting tool to a comprehensive financial suite. It provides users with detailed insights into their financial health, enabling effective management of income, expenses, investments, and more.
Quicken's journey began in 1983, conceived by Scott Cook and Tom Proulx. It has since grown to serve over 20 million users, continually adapting to the changing financial landscape with innovative solutions.

Monarch Money

4.5 stars
Cost $14.99/month or $99/year
Best For Financial goals
Benefits
Overview
Company
  • Integrates goal visualization with financial tracking.
  • Offers a detailed budget planning calendar and mobile app.
  • Connects seamlessly with multiple financial accounts.
  • Promo: Star a 7-day Free Trial Today!
Monarch Money excels in bridging the gap between financial tracking and goal achievement, offering users a clear path to financial success. Its intuitive platform encourages proactive financial management.
Founded in 2019 by Val Agostino and his team, Monarch Money focuses on holistic financial growth, providing a comprehensive overview of users' finances and helping them achieve their financial aspirations.

NewRetirement

5 stars
Cost Varies
Best For Retirement planning
Benefits
Overview
Company
NewRetirement is dedicated to helping users navigate the complexities of retirement planning, offering a suite of tools that consider all facets of retirement. Its platform is designed to provide a clear understanding of retirement readiness.
Established in 2005 by Stephen and Tim Chen, NewRetirement was born from a personal need for accessible retirement planning tools. It has since become a trusted resource for affordable and comprehensive retirement planning.

Empower

4.2 stars
Cost $8/month
Best For Google Sheet integration
Benefits
Overview
Company
  • Provides real-time financial data and spending habit tracking.
  • Features customizable visualization charts and bill payment alerts.
  • Integrates various personal finance tools for a unified view.
  • Promo: Star a 14-day Free Trial Today!
Empower offers a dynamic platform for managing personal finances, giving users immediate access to their financial data. It supports informed decision-making with its comprehensive suite of features.
Empower has quickly gained recognition for its user-friendly design and comprehensive financial management features, continually updating its services to meet the evolving needs of its users.

Tiller

4 stars
Cost $79/month
Best For Google Sheet integration
Benefits
Overview
Company
  • Offers unparalleled Google Sheets integration for personalized finance management.
  • Automates bank feeds and provides customizable templates.
  • Enables advanced financial reporting for in-depth analysis.
  • Promo: Star a 30-day Free Trial Today!
Tiller leverages the flexibility of Google Sheets to provide a customizable and comprehensive financial tracking experience, making it ideal for users who prefer spreadsheet-based management.
Founded by Peter Polson, Tiller emerged from a vision to combine traditional spreadsheet utility with modern financial tracking, offering a highly customizable solution for personal finance management.

YNAB

4 stars
Cost $14.99/month or $99/year
Best For Monthly budgeting
Benefits
Overview
Company
  • Focuses on rigorous monthly budgeting with real-time data feeds.
  • Simplifies credit card debt management.
  • Known for comprehensive budgeting tools and exceptional customer service.
  • Promo: Star a 30-day Free Trial Today!
YNAB stands out for its meticulous approach to budgeting, enabling users to allocate every dollar effectively. It's designed for those who seek detailed control over their financial planning.
YNAB was created in 2004 by Jesse Mecham as a dynamic budgeting solution. It has evolved into a comprehensive platform that emphasizes proactive financial management and education.

PocketSmith

4 stars
Cost $9.95/month - $19.95/month
Best For Forecasting
Benefits
Overview
Company
PocketSmith distinguishes itself with advanced forecasting tools, giving users a glimpse into their financial future. Its global bank support makes it a versatile choice for international users.
As a leading personal finance software, PocketSmith is committed to providing innovative and user-centric financial management solutions, driven by the goal of empowering users with foresight and control over their finances.

Moneydance

4.4 stars
Cost $65 (one-time fee)
Best For Automatic bank feeds
Benefits
Overview
Company
  • Provides a comprehensive platform with automatic bank feeds.
  • Offers encrypted data security and multi-account compatibility.
  • Known for its one-time purchase model and international currency support.
  • Promo: Save 25% with Coupon Code MODESTMONEY
Moneydance serves a diverse user base with its extensive features, including seamless bank integration and robust financial management tools. It's valued for its straightforward, no-subscription approach.
As a trusted name in personal finance software, Moneydance is renowned for its continuous innovation and dedication to user privacy and security, offering a reliable platform for financial management.

Playbook

5 stars
Cost $29/month
Best For Financial professionals
Benefits
Overview
Company
  • Tailored for professionals with advanced investment tracking.
  • Offers a suite of financial management tools and analysis charts.
  • Facilitates connections to diverse investment accounts for comprehensive oversight.
Playbook, or Hello Playbook, is designed to maximize tax advantages and aid in retirement planning, making it an ideal solution for professionals seeking an edge in financial planning.
Founded by David Hegarty in 2021, Playbook quickly made its mark with a focus on legal tax minimization and efficient fund allocation, driven by a mission to provide financial freedom to its users.

Kubera

4.6 stars
Cost $12.50/month or $150/year
Best For Precious metals & assets
Benefits
Overview
Company
  • Tracks a wide range of assets, including cryptocurrencies and real estate.
  • Provides detailed financial reports and ensures data security.
  • Offers real-time updates and global bank connectivity.
Kubera offers an innovative approach to wealth tracking, allowing users to monitor a diverse portfolio within a user-friendly interface, catering to those with a broad asset base.
Kubera has become a go-to wealth tracker, known for its asset diversity and commitment to providing users with a comprehensive view of their financial status in a secure and intuitive platform.
Jeremy Biberdorf

About the Author:

Jeremy Biberdorf is the founder of Modest Money. He’s a father of 2 beautiful girls, a dog owner, a long-time online entrepreneur and an investing enthusiast.