My Money is a high quality personal financial software written from ground up to work with online bank statements. Simply download your transactions from bank Web site and they are automatically entered into electronic register. By bringing all of your important financial information together in one place, My Money helps you more efficiently organize your financial data, simplify taxes, and grow your net worth. My Money instantly organizes financial records. Eliminates errors by categorizes expenses automatically for business, taxes, and budgeting. Money, Financial, Finance, Accounting, SQL, OFX, Quicken, and QIF.

Homepage: http://www.mthbuilt.com/
Download: http://www.mthbuilt.com/download.html
Price: $  39.95

A Simple to use Personal Finance Manager.

Features Available:

• Create and add unlimited accounts
• Make income or expense transactions against your accounts
• Supports inter-account money transfers
• Includes a custom report builder

Runs on all hardware and all Windows systems.

Homepage: http://www.ssuitesoft.com/
Download: ssmymoney.zip
Price: $ 0

AceMoney Lite is a freeware personal finance manager. It has all the features of its big brother except multiple accounts management. As AceMoney, AceMoney Lite helps people organize and manage their personal finances quickly and easily. It supports all the features required for home or even small-business accounting needs:

• Track your spending habits and see where the money goes
• Create and manage budgets
• Track performance of investments
• Do your financial math in multiple currencies
• Enjoy the convenience of on-line banking Download and import information from on-line banks in QIF and OFX formats. If you run a small business, export to HTML, Text, or CSV
• Don´t miss the next deadline for bills
• Double check – Enjoy the security of password protection of every file, scheduled backups and many other features
• Plan debts and mortgage payments
• Do e-business with AceMoney

Homepage: http://www.mechcad.net/
Download: AceMoneyLiteSetup.exe
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

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

Best CashBook is a blessing for cash management. Based on [cash + deposits - cards = net cash], it treats cash, deposits, credit cards and other financial accounts as one to give an insight of incomings, outgoings and fund changes. It will be very simple and easy to use once you overcome learning the entry principles. Developers can utilize its miraculous formula and frame when they develop their own software.

Major functions:

• A cashbook entry processes all other subsequent work automatically to prepare various reports.
• You can make entries by simple data-input and enter-key, watching how the book reflects your entries.
• You can see Daily InOut, Monthly InOut, Yearly InOut Statement, ledger of each account.
• It is optimum for small business with total control of fund for home.
• You can broaden the book to use it like a complete double-entry book.
• Daily InOut Report enables a voucher a day in business.

Homepage: http://www.bestcashbook.com/
Download: BestCash382.exe
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-1.0.63.zip
Price: $ 0

• Loan Calc is an easy-to-use tool intended to calculate loans and mortgages repayments in a very simple way.
• Loan Calc calculates repayments amount, monthly and total interest, total repayments and generates a full repayment list from a start date. Loan Calc is currency-independent so it can be used with any currency. Just use a dot or a comma for decimals depending on your system settings.
• Loan Calc lets you select both period and interest compounding from continuous (compounding only), weekly, biweekly, monthly, quarterly, semiannually and annually. Furthermore Loan Calc allows you to save all the repayment list to a text file or an Excel sheet.

Homepage: http://www.maxprog.com/
Download: LoanCalc_setup.exe (Windows), LoanCalc.dmg (Mac)
Price: $15

Money Manager is a personal finance software. It primarily helps organize one´s finances and keeps track of where, when and how the money goes. It is also a tool to get a bird´s eye view of your financial worth. The program supports checking accounts, savings and credit card accounts, as well as Fixed Deposit and Portfolio accounts. The Outlook-style interface provides an overview for all your accounts and total balance. You can transfer money between accounts, create custom categories to organize your income/expenses and more.

Money Manager Ex is a complete rewrite of the original .NET Money Manager. It is Cross Platform and can be ported to run on Windows, Mac OS X and Linux. It has a very powerful and flexible open data storage using SQLite databases.

Features:

• Intuitive. Simple, Fast, Clean
• AES Encryption Support
• Maintain checking, credit card, savings, stock investment accounts
• Budgeting
• Maintain and Track Fixed Assets with depreciation
• Reminders for recurring Bills and Deposits
• Simple one click reporting
• Cash Flow Forecasting
• Graphs, Piecharts
• Does not require an install. Can run from a USB key.
• International language support (Available in 24 languages)
• Import data from any CSV format, QIF [ Microsoft Money ]
• Printing, Exporting to HTML, CSV
• Non-Proprietary SQLite Database

Homepage: http://www.thezeal.com/
Download: mmgrex_setup_0_9_3_0u.exe
Price: $  0