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Best Personal Finance Software Comparison Table

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We made this table so you could see the main difference between the different personal finance software at a glance. If you want to read more details on each company and their pros, cons, key features, etc., check out our article, Personal Finance Software Comparison. The two of these will help you learn more about these software and what you should look for when buying one. And don’t forget to checkout our list of terminologies below the table that explain the left-column definitions.

 1st Place: Personal Capital2nd Place: Mint.com3rd Place: MvelopesAceMoneyBanktivityBuxferGnuCashMoneydanceMoneyStrandsMoneywellQuickenYou Need A Budget (YNAB)
1st Place: Personal Capital2nd Place: Mint.com3rd Place: MvelopesAceMoneyBanktivityBuxferGnuCashMoneydanceMoneyStrandsMoneywellQuickenYou Need A Budget (YNAB)
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Lowest PriceFreeFreeFree$39.99 Out of stockFreeFree $49.99Free$49.99 $28.30$60
Import Account InformationCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Data Backup/RestoreCloud Based BackupsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Archive DataCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Online BankingCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Directly Connects to Banking InstitutionsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Bill PayCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkOptionalCheckmark
Expense BudgetingCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Spending Tracking with CategorizationCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Split Bills or ExpensesCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Standardize Payee NamesCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Credit Card ManagementCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Mortgage ManagementCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Investment Account ManagementCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Portfolio ManagerCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Import Investment Account DataCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
401K ManagerCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Exchange Rates InformationCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Personal Investing ReportsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Cash Flow ReportsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Net Worth and Balance ReportsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Tax ReportsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Export of Data to Tax ProgramsCheckmarkCheckmarkCheckmarkVia TXF ExportExport Via TXF FilesCheckmarkCheckmark
Export Data to PDFCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Export Data to CSVCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkVia HTML ConversionCheckmarkCheckmarkCheckmarkCheckmark
Export Data to QIFCheckmarkCheckmarkCheckmarkVia Conversion ProgramCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Export Data to ExcelCheckmarkCheckmarkCheckmarkCheckmarkVia HTML ConversionCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Windows 7CheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Windows VistaCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Windows XPCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
MacintoshCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
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Terminologies

When looking over the information contained in our personal finance comparison table, it can be a little difficult to understand some of the terms that are mentioned. Without comprehending what services are being offered it makes it difficult to find the service that is right for you. For this reason we have compiled a terminology list. In the terminology list below we have covered what some of the more confusing terms mean so that you can use them as a key when referencing our personal finance solution comparison table.

  • Import Account Information: Allows import of personal account information directly into the software. Such personal account information includes credit card and balances and interest rates, debit card details as well as account information from other personal finance management software.
  • Data Backup / Restore: Allows users to keep a copy of personal data backed up to an external location (or cloud in some cases) in case the data, software or computer should become corrupted. This is an essential component to protect your information from loss.
  • Archive Data: Allows users to compile and store data from previous months so that personal finance records do not become too cluttered in the main program interface.
  • Online Banking: Allows users to perform online banking actions through the service itself.
  • Directly Connects to Banking: Allows users to have their banking information pulled directly into the service without data having to be manually entered.
  • Bill Pay: Allows users to pay their bills directly through their chosen personal finance software or service.
  • Expense Budgeting: Allows users to set a budget for where the money that they bring in should be going versus where it is currently going. This feature is designed to help users become more conscious of their spending and plan for their future.
  • Spending Tracking with Categories: Allows users to track exactly where their spending is taking place, for example what percentage of their income they are spending eating out at restaurants each month or on groceries. This feature is important in being able to create and manage a budget.
  • Split Bills or Expenses: On occasion users will have to split expenses with roommates or split the bill at a restaurant, this feature refers to this system capability.
  • Standardize Payee Names: Creates standards for payee names (those who are receiving or sending money to an account) to make it easier to understand with whom your money is being paid to.
  • Portfolio Manager: If users have an investment portfolio, this allows them to manage their portfolio directly through the personal finance software.
  • Import Investment Account Data: Allows user to plug in a data file or log in information and have data from an investment account transferred directly into the personal finance software.
  • Exchange Rates Information: For those who travel frequently or shop internationally, this allows the software to provide up to date exchange rate information.
  • Personal Investing Reports: Compiles a report of personal investing activity over a specified period of time.
  • Cash Flow Reports: Compiles a report that reflects the liquidity (or cash available) of an individual based upon changes in balance sheets.
  • Net Worth and Balance Reports: Compiles reports that reflect the users net worth and total balance based on all financial information they have made available to the program.
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Kimberly researches everything before she buys. She wants to make sure she is getting the best bang for her buck by purchasing the best product/service, which is why she loves her work. She has a degree in Multimedia Journalism and has been researching and writing professionally since 2013 to help consumers make more educated decisions.

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22 Comments on "Best Personal Finance Software Comparison Table"

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MoneyStrands
MoneyStrands

MoneyStrands launched a new app, check it up if you haven’t! 😉

Melanie
Melanie

Thanks for the helpful table and info! Been researching and just wanted to add a quick correction: Acemoney does not have bill pay, unfortunately, as it otherwise seems like a great option.

Jeff Butler
Admin
Jeff Butler

Thanks for bringing this to our attention, we have corrected the table.

Dominic Pontarolo
Dominic Pontarolo
I think you should add two categories to your table. 1) Does the software allow you to access your budget from multiple devices? This is an important feature for me because I am trying to use the software to create a budget for both me and my wife and we both have our own computers that we typically use. 2) Does the software have a mobile app that you can access your budget from? I think this is a very nice feature to have while you are away from home and not near your computer. I bring these items up… Read more »
Brian Russell
Brian Russell

I’m curious – I am deciding between Mint and GnuCash – Mint won your ratings, but GnuCash seems to offer more features… what tips it towards Mint’s favor?

Pedro Garcia
Pedro Garcia
There is a very important feature that isn’t listed here, and that’s Forecasting. Most budgeting applications are useless to me because they don’t let me see how my spending today will affect my account balance in the future. Instead they focus on sticking to some “budgeted” amount per expense category. In the real world, things don’t work out so nicely. What if I go over my “budget” this month because of expenses I didn’t expect? How will this affect my ability to take that vacation I was planning to take 8 months from now? Most tools have no way to… Read more »
Jennifer
Jennifer

Hi Pedro, have you found an app you like that has forecasting? I agree with you. It’s all about a cumulative cash balance so you can see where the tight months are.

Ben Drake
Ben Drake

It looks to me like Moneystrands is dead. They haven’t updated their blog since 2012 and their bank sync has been down for years.

John
John

Hi what about BankTree? Great little application from the UK works on Windows with an iPhone and Android app.

TomVandermolen
TomVandermolen

I think there’s an error in Table 2, for YNAB in the category “Directly Connects to Banking”. Based on the (fully functional) trial version I just downloaded, it does not directly pull in data from your bank a la’ Mint. It does allow you to import downloaded transaction data files, but for me this is a huge strike against it.

Elizabeth
Elizabeth

Have you ever looked at or reviewed NeoBudget (dot) com? It’s making a lot of big changes to be more competitive in the market of online personal finance stuff.

Uss Retired
Uss Retired

How do these compare with Finance Works, which is an Intuit product provided by my credit union?

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