Personal Finance Software reviews from Reddit
Summary
We analyzed 186 Reddit reviews across 23 subreddits and 69 posts to rank the best Personal Finance Software brands recommended by redditors, including communities like r/personalfinance, r/PersonalFinanceCanada, r/UKPersonalFinance, r/AskReddit, r/eupersonalfinance. Top-rated brands include YNAB (4.7/5), Mint (3.9/5), Quicken (3.5/5).
Stats
Reviews186
Subreddits23
Posts69
Brands63
Products1
186 reviews from
and
By Brand
/By Product
#1
YNAB
4.7
(29)
"I have been using YNAB for 8 years or so."
"Personally, I..."
"Definitely YNAB. It's not cheap, but it's well worth it."
"YNAB"
"I recommend You Need A Budget - YNAB. It’s such a great tool for budget tracking and planning."
"YNAB meets all your requirements except first and last... It's the only app I've found that actually helps you budget in a forward looking way."
"I use YNAB personally (youneedabudget)."
"I use YNAB4. Not sure if you can still buy it."
"/r/ynab - you need a budget. Free, for college students iirc."
"Have you tried http://www.youneedabudget.com/ ? They recently upgraded their app from just a desktop app to a web, iOS and Android app."
#2
Mint
3.9
(28)
"Mint is the best for itemizing expenses imo. It's mostly automatic too."
"Mint is awesome it keeps track of all your transactions."
"Mint.com is a great tool."
"I suggest you use Mint. I use it and it is a great way to keep track of all your finances in one place. Plus, it's free and it is not complicated to use."
"Mint.com hands down. Can link to different accounts, make budgets."
"I’ve had good luck with mint."
"Mint"
"Try looking at Mint."
"Mint.com works through the browser"
"Mint.com and personalcapital.com are both good ones."
#3
Quicken
3.5
(22)
"The Quicken software is the most robust financial management tool for what you are describing."
"Quicken is awesome. Does all that, and more."
"I'm old school and use Quicken."
"I’ve been using it for about 20 years. There is nothing better if you do your finances on a desktop or laptop. There’s a nice Lifetime Planner function to help you keep track of college, retirement and other planning, and let you know if you’re on target."
"I use Quicken and I like it. It's probably the most widely used software out there for personal finance."
"I've used it for just under 15 years hate-free."
"I like Quicken. It’s less work to handle the daily transactions than Mint and YNAB."
"Look into Quicken. The German name now is Lexmark Finanzmanager since 1-2 years ago."
"I use Quicken personally, but what about YNAB?"
"I like Quicken."
#4
GNUCash
3.9
(11)
"GnuCash is free, open source, multi-platform. I've been using it on Mac for ~10 years. Love it."
"GnuCash is the go-to package for free personal finance software."
"GnuCash. Mobile app on Android for on-the-spot entry and easy sync with the desktop version."
"It's an open source accounting software. Pretty lightweight though, not sure if that meets your use case."
"Then I found gnucash and my life has not been the same."
"I started using GnuCash this year after using Quicken and/or QuickBooks since 1998."
"Have you checked out GnuCash?"
"I recently started using GNUCash as a novice, and so far I really like it!"
"GNUCash is dry and boring double-entry accounting software, but very powerful."
"I've been using GNUcash. Definitely not the easiest program to use, but I like it because it's offline and open-source as well as free."
#5
You Need a Budget
4.3
(7)
"YNAB (YouNeedABudget.com) is excellent. The only region specific feature is auto-importing transactions from US bank accounts."
"I'm a very big fan of You Need A Budget. I've had great luck with it, as opposed to Mint, because YNAB concentrates on budgeting the money you will have."
"You can def make YNAB do what you want for this."
"YNAB"
"I use YNAB, they have a free trial."
"If you're looking for more of a bookkeeping service for your accounts, maybe You Need a Budget."
"If you want to choose one, I'd go with YNAB."
#6
Personal Capital
4.3
(7)
"Try Personal Capitol."
"I agree, Personal Capital is probably the best all around tool."
"I don't know why Personal Capital doesn't get more love."
"Personal Capital has been my standby."
"It’s great if you own a lot of real estate."
"Personal Capital for investments. Mint for expenses."
"I use personal capital for an overview of my finances but that's about it."
#7
Moneytree
4.8
(5)
"I second Moneytree, and keep it free. No need to pay for any of the additional features for most folks. Best app around!"
"Moneytree is founded by foreigners so it's foreigner-friendly and I would assume would follow international standards as it's also funded PayPal/Salesforce/MasterCard. Their app looks and works beautifully and there is no need for the pro features."
"Moneytree is my jam!"
"I recommend Moneytree."
"Moneytree (English and Japanese but less features)"
#8
Excel
4.0
(5)
"Excel will be your best option for the tax side of things, including budgeting for self assessment."
"Excel."
"Excel or Google Docs."
"I'd become a fan of web apps. Otherwise Excel."
"Excel. Budgeting services, finance software, tax helpers. It's all fine and dandy."
#9
Moneydance
3.6
(5)
"Http://infinitekind.com/moneydance"
"I have been happy with Moneydance."
"Moneydance can handle various file formats and has a heap of banks it can automatically download from."
"Any reason Moneydance was excluded?"
"Moneydance?"
#10
Microsoft Excel
4.3
(4)
"Microsoft Excel."
"I expect the answer will be ‘Excel’"
"Just use Excel."
"Excel. Seriously, you can write formulas to have it do whatever you want."
#11
Banktivity
3.3
(4)
"I highly recommend Banktivity. Their Envelope Budgeting feature changed our financial life."
"Banktivity (for mac)"
"I’m looking for an alternative for Banktivity since their version 8 seems like a no go for me."
"I'm definitely looking to move away from Banktivity."
#12
Money by Jumsoft
4.5
(2)
"I personally use Money by Jumsoft, it's a Mac application that syncs to the iPhone and iPad and I love it."
"I love Money by Jumsoft."
#13
Wealth Position
4.5
(2)
"Really good for budget planning, managing multiple accounts and tracking all incomes, expense, assets, liability from one place"
"Brilliant software app, worth checking it out."
#14
Mvelopes
4.0
(2)
"I'm a big fan of Mvelopes."
"Has anyone tried mvelopes?"
#15
Xero
4.0
(2)
"What’s wrong with xero? I use it with my uk bank."
"Xero.com works with ANZ and Westpac I know for sure. You sync the statements and it automatically enters it into the system."
#16
MoneyDashboard
4.0
(2)
"Moneydashboard worked for me. I use it on my phone mostly but more features on their website."
"Apps like moneydashboard are useful."
#17
Pocketsmith
4.0
(2)
"Give Pocketsmith a try."
"I use Pocketsmith, I've used it for a couple of years and I find it works for me because it organises it all on a calendar."
#18
Simplifi
3.5
(2)
"Trying Simplifi starting yesterday. Reasonable price for the software."
"It’s a web based app as well as has a mobile app. So far it’s fairly decent."
#19
Skrooge
5.0
(1)
"I use Skrooge on Linux/KDE and love it."
#20
Wave
5.0
(1)
"Wave might do the trick, and it’s free."
#21
Money Manager
5.0
(1)
"Been using Money Manager for over a year. Very good. I bought the full version imho it was that good."
#22
Empower Personal Capital
5.0
(1)
"Empower Personal Capital, using it for 8 years"
#23
Wave Accounting
5.0
(1)
"Check out wave accounting and Xero I've used both successfully in your situation"
#24
Banking 4
4.0
(1)
"I use Banking 4. It saves all accounts data into a file."
#25
MoneyView
4.0
(1)
"Currently I use MoneyView on my iphone."
#26
Money Manager EX
4.0
(1)
"I personally use Monet Manager EX for my tracking. It's relatively clean looking and generally quite useful."
#27
MoneyMoney
4.0
(1)
"I'm using MoneyMoney: https://moneymoney-app.com/ Only OSX (no mobile app), does sync with most german banks."
#28
iOutBank
4.0
(1)
"IOutBank might do it – haven't looked at it super closely for a while, but is pretty solid."
#29
MoneySlinger
4.0
(1)
"Please give MoneySlinger.com a look see."
#30
Copilot
4.0
(1)
"I think copilot is what you’re looking for. It’s not cheap, but it works well."
#31
QuickBooks
4.0
(1)
"Quick Books is good because a lot of accountants will directly accept Quick Books files for tax accounting."
#32
Emma
4.0
(1)
"Emma and money dashboard (or whatever) are endlessly mentioned on this sub."
#33
iBank
4.0
(1)
"As a Mac user I did all sorts of research and tried all sorts of different programs. I ended up using iBank and I love it."
#34
Budget Calendar
4.0
(1)
"I use Budget Calendar http://www.mishell.ca/ it's super simple and I used it for a while before it prompted me to purchase, which I absolutely felt was worth it."
#35
Money Forward
4.0
(1)
"Money Forward (Japanese)"
#36
Homebank
4.0
(1)
"GnuCash is probably the best overall, although Homebank might be a worthwhile option."
#37
Monarch Money
4.0
(1)
"Monarch Money"
#38
Fidelity Full View
4.0
(1)
"If you already use Fidelity for investments, look at Fidelity Full view. It’s free and pretty decent IMO."
#39
PocketGuard
4.0
(1)
"I’ve been trying out PocketGuard. So far I really like it."
#40
Quicken Simplifi
4.0
(1)
"Quicken Simplifi. Has a free one year trial for Mint users."
#41
FinaMoney
4.0
(1)
"Fina Money has multiple profiles allowing you manage personal and businesses at one place but also independently."
#42
Zaim
4.0
(1)
"Zaim works crossplatform, I use the free version, it's pretty detailed and highly customizable."
#43
AceMoney
4.0
(1)
"Acemoney"
#44
Yolt
4.0
(1)
"I use Yolt, which works surprisingly well."
#45
Firefly III
4.0
(1)
"Firefly III is excellent, if you can deal with the self-hosting side of it."
#46
Moneyspire
4.0
(1)
"Check out Moneyspire they have a Mac version and it's a good straightforward way to manage your finances."
#47
WealthPosition
4.0
(1)
"Try Wealth Position really good for customizing personal finances for short and long term planning to suit your own requirement."
#48
MoneyBrilliant
4.0
(1)
"I like MoneyBrilliant personally."
#49
MoneyHub
4.0
(1)
"I use moneyhub. It's not free but very cheap, with excellent spending analysis."
#50
MyGraph
4.0
(1)
"I built mygraph.ca to help Canadians better track their spending."
#51
Wealthica
4.0
(1)
"For investment tracking I use Wealthica."
#52
Yodlee
4.0
(1)
"It supports US and canadian banks and CAN$ and understands credit card statements and due dates."
#53
LibreOffice
4.0
(1)
"LibreOffice Calc spreadsheets"
#54
hledger
4.0
(1)
"I use hledger, a plain-text accounting tool."
#55
Google Sheets
4.0
(1)
"Google Spreadsheets. You're just calculating loans and interest rates."
#56
FreshBooks
3.0
(1)
"I was looking at Freshbooks for some stuff."
#57
MoneyControl
3.0
(1)
"Maybe http://mobiware.de/moneycontrol is worth a try."
#58
MoneyWell
3.0
(1)
"MoneyWell? (Should be on both iOS and MacOS app stores."
#59
FinWise
3.0
(1)
"FinWise: still under development, but works somewhat well."
#60
Neontra
3.0
(1)
"Neontra: when ' "
#61
DrWallet
3.0
(1)
"Drwallet: https://www.drwallet.jp"
#62
EveryDollar
3.0
(1)
"The app, everydollar, isnt bad for balancing your budget"
#63
Wallet App
2.0
(1)
"WalletApp: it works, but their support is almost worthless."
Discover your audience
GummySearch is an audience research toolkit for 130,000 unique communities on Reddit.
If you are looking for startup problems to solve, want to validate your idea or find your customers online, GummySearch is for you.
Sign up for free, get community insights in minutes.
Tell me more
Get started
