Budget4All is a Java desktop application intended to ease significantly the process of maintaining a personal budget focused on income and expense forecasts. It allows you to:

• See graphically the evolution of your cashflow at any time from now to the next 50 years.
• Create/modify very easily all kinds of income/expense items in a forecasted budget (called a scenario)

This application is all about BUDGET FORECASTING : the key principle adopted by Budget4All is to take into consideration the future incomes/expenses expected. Consequently, this is not the right tool if you want to enter your past bills, to print checks, to know how your money has been spent for the past year, etc.

Incomes, expenses and evolution of cashflow
Data is organized around the simple concept of “scenario”, which is essentially a file containing a set of income/expense definitions that you specify according to your own needs. You may build as many scenarios as you want. In a scenario, you specify for each income/expense several properties, as the actual amount, the frequency, the starting and ending date, the annual growth if any, etc. These incomes and expenses will obviously impact your net CASHFLOW through time. It is the evolution of this cashflow through time that Budget4All displays as a red curve in the main window. A “starting” cash amount (as of “today”) can be specified in a text box at the bottom of the screen. You can change easily the duration of the period displayed on the screen using the “time interval” combo box (e.g. 6 months, 1 year, 2 years, etc).

Inflation
It is possible to specify an annual inflation rate for a scenario. It can be simple (e.g. 4% constant for each year) or complex (you specify the rate for each year, e.g. 3.5% for 2009, 5.3% for 2010, etc). The inflation is applied to every income/expense of the scenario on the first of January of every year, unless, for a specific item, you have specifically indicated that inflation does not affect the income/expense when you created the definition (see the “add effect of inflation on top of annual growth” checkbox).

Scenario Analysis
Budget4All offers a very useful analysis tool (menu Tools->Analysis) that displays graphically the relative distribution in % of incomes/expenses for a specific time interval. It is very handy to know what are your main incomes/expenses and what percentage they represent. You may discover for example that food represents 24% of all your expenses, which can help you to take appropriate financial decisions.

Data Exporting
You can export all the scenario data to a web browser or a spreadsheet (so you are not locked in Budget4All !). Graphics can also be saved as PNG or JPG file (right-click on the picture to have access to the menu).

The best way to learn Budget4All is to try it ! All the modifications you do to a scenario are NOT SAVED into the file until you explicitly request to do so by using the “Scenario->Save” or “Scenario->Save As” menu.

Requires Java Runtime Environment (JRE) 6 or above. Get It Here.

Homepage: http://www.budget4all.net/
Download: budget4all.jar
Price: $ 0

A finance and expense tracking tool for those with limited or no accounting experience. It makes the task of tracking expenses, generating reports easy to use and maintain.

Features:

• Intuitive and easy to use
• Manage multiple profiles with different set of accounts in each profile
• Cross platform, will run on any computer with Java virtual machine installed
• Online banking support for credit card and bank accounts.
• Manage expenses and track account balances
• Password based encrypted data for security
• Generate reports
• Create and save complex filters to search transaction history.
• Charts and graphs for assets, liabilities, daily networth tracking
• View stock prices/quotes. Graphs tracking historical prices
• Address book. Store contacts, email, phone numbers
• Import OFX data for banks and credit cards. Supports latest quicken format
• Import outlook contacts. Import contacts from Yahoo, gmail etc.
• Multi language support (English, German, Spanish, Portuguese, Turkish)

Homepage: http://www.mjrz.net/
Download: Mjrz.net-1.0.71.zip
Price: $ 0

Estimate of your monthly budget on the basis of monthly income.

Homepage: http://www.vertaron.com/
Download: persbudgetenglish.exe
Price: $  0

Keeping a budget and controlling your spending can have great benefits, including avoiding serious debt problems such as bankruptcy and foreclosure.

Rainy Day Budget makes creating, managing, and updating budgets simple. Use our intuitive user interface to easily add income sources, pre-tax and regular expenses, and savings funds. The payday feature allows you to put in your paycheck amount and quickly see where your money needs to go.

Also included is the ability to keep track of the balance of multiple savings funds located within the same bank account via the sub-account feature.

Features:

• Intuitive, easy-to-use user interface.
• Automatic saving-as-you-go feature, so changes are never lost.
• Easily add income sources, pre-tax expenses, other expenses, and savings funds.
• Add expenses as cash amounts or percentages of income.
• Sub-account feature to manage the balances of different savings funds easily, even if they don´t reside in separate bank accounts.
• Payday feature where you can input the amount of your paycheck and the program will determine where your money ought to go, according to your budget.
• Easily view budget as annual, monthly, bi-monthly, or weekly.
• Easy to read reports.
• And much more!

Homepage: http://www.allstarcomputerco.com/
Download: RainyDayBudget.zip
Price: $ 0

Budget4All is a Java desktop application intended to ease significantly the process of maintaining a personal budget focused on income and expense forecasts. It allows you to:

• See graphically the evolution of your cashflow at any time from now to the next 50 years.
• Create/modify very easily all kinds of income/expense items in a forecasted budget (called a scenario)

This application is all about BUDGET FORECASTING : the key principle adopted by Budget4All is to take into consideration the future incomes/expenses expected. Consequently, this is not the right tool if you want to enter your past bills, to print checks, to know how your money has been spent for the past year, etc.

Incomes, expenses and evolution of cashflow
Data is organized around the simple concept of “scenario”, which is essentially a file containing a set of income/expense definitions that you specify according to your own needs. You may build as many scenarios as you want. In a scenario, you specify for each income/expense several properties, as the actual amount, the frequency, the starting and ending date, the annual growth if any, etc. These incomes and expenses will obviously impact your net CASHFLOW through time. It is the evolution of this cashflow through time that Budget4All displays as a red curve in the main window. A “starting” cash amount (as of “today”) can be specified in a text box at the bottom of the screen. You can change easily the duration of the period displayed on the screen using the “time interval” combo box (e.g. 6 months, 1 year, 2 years, etc).

Inflation
It is possible to specify an annual inflation rate for a scenario. It can be simple (e.g. 4% constant for each year) or complex (you specify the rate for each year, e.g. 3.5% for 2009, 5.3% for 2010, etc). The inflation is applied to every income/expense of the scenario on the first of January of every year, unless, for a specific item, you have specifically indicated that inflation does not affect the income/expense when you created the definition (see the “add effect of inflation on top of annual growth” checkbox).

Scenario Analysis
Budget4All offers a very useful analysis tool (menu Tools->Analysis) that displays graphically the relative distribution in % of incomes/expenses for a specific time interval. It is very handy to know what are your main incomes/expenses and what percentage they represent. You may discover for example that food represents 24% of all your expenses, which can help you to take appropriate financial decisions.

Data Exporting
You can export all the scenario data to a web browser or a spreadsheet (so you are not locked in Budget4All !). Graphics can also be saved as PNG or JPG file (right-click on the picture to have access to the menu).

The best way to learn Budget4All is to try it ! All the modifications you do to a scenario are NOT SAVED into the file until you explicitly request to do so by using the “Scenario->Save” or “Scenario->Save As” menu.

Requires Java Runtime Environment (JRE) 6 or above. Get It Here.

Homepage: http://www.budget4all.net/
Download: budget4all.jar
Price: $ 0

Budget Advisor features:

• Manage your income and expenses
• Learn to budget effectively
• Keep control of your spending
• See where your money is going
• Powerful reports and graphs
• Try Budget Advisor free for 30 days

Homepage: http://www.othersoft.co.za/
Download: budvisor.exe
Price: $  15

Grisbi is a personal accounting application running under Linux and Windows.

Grisbi can manage multiple accounts, currencies and users. It manages third party, expenditure and receipt categories, as well as budgetary lines, financial years, and other informations that makes it quite adapted for associations (except those that require double entry accounting).

Homepage: http://www.grisbi.org/
Download: http://www.grisbi.org/download.en.html
Price: $  0

Finance Advisor features:

• Calculate and analyze your mortgage
• Plan for your retirement
• Keep track of your home budget
• Investment and Savings calculations
• Future Value calculations
• Analyze the effects of inflation on your savings and investments
• Plan for your children’s education
• Residual Value calculations
• Interest rate conversions & calculations
• Annuity calculations
• Practical advice on how to retire rich
• Generate lottery numbers (for when all financial planning fails)

Homepage: http://www.othersoft.co.za/
Download: finadv.exe
Price: $ 35

Account Xpress is a personal finance software loaded with features designed to help you manage your money easily and efficiently. Track and reconcile transactions for virtually any kind of account (credit cards, savings, checking, credit line, cash, etc.). Budget management is made easy with the help of user-defined income and expense budget categories, budget projections, and budget versus actual comparison reports. A tree view structure helps you access the information you need quickly and easily.

Features include presentation of a global cash flow picture, calculation of net income over any given period of time, two distinct methods for managing your budget, transaction splitting into many accounts and/or budget categories, transaction schedules, transaction templates, support for multi-currencies, unlimited number of budget category levels, numerous charts and reports related to your financial and budget activities.

Create recurring transactions that are generated automatically at the proper time. Define and use transaction templates to quickly create transactions that recur at irregular intervals. With budget projections, you can now tell exactly when and how much you are planning to earn or spend on any budget category. This is very similar to using the old envelope budget system. Password protect your data files with 128-bit encryption to prevent unauthorized access to your financial information. Download your transactions from your financial institutions and import them into Account Xpress from Quicken Interchange files (qif) or Open Financial Exchange files (ofx and qfx). Copy selected entries from any lists in the program to the clipboard for pasting into other applications such as Word or Excel.

Category and payee management is simplified with the ability to easily merge together two budget categories or two payees at any time. Re-locate budget categories and payees in the tree view with simple click-and-drag operations. Backup your Account Xpress files automatically with the new backup feature. Know where your money goes, eliminate debt and be on your way to financial freedom with Account Xpress.

Homepage: http://www.felitec.com/ax.html
Download: http://www.download.com/Account-Xpress/
Price: $ 29.98 MB

RichOrPoor 3.10 key benefits:

• Help you know about your assets and liabilities, so that you can be aware of your financial conditions.
• Help you know about your income and expenses so that you can adjust your expenditure plan and improve your consumption habits.
• Help you develop a budget so that you can estimate your financial conditions after one month, one quarter or one year.
• Help you develop a payment and collection calendar for you to foot bills in time so that you can keep good credit records.
• Help you know who owes me money and whom I owe money, repay money in time to keep good creditability.
• Help students and kids to develop a good habit for wealth management, so that they will know not only how to earn money, but also how to manage money!
• Help you manage personal and family finances so that you and your family can live a better life!

Homepage: http://www.shortcutsoft.com/rop/
Download: ropsetup.exe
Price: $ 29.95