9 Handy Money Management Software Tools

After spending large sums of dough over Black Friday and we buy presents for our family over the holiday season, tracking your spending can be very important.  The outflow of money for things like rent, a mortgage, monthly bills for your smartphones, food, groceries, concerts, tuition, and clothing all adds up.  In the United States right now, there is persistent unemployment, an increase in foreclosures, and low consumer confidence.  Even the rich and wealthy are cutting back.  If you have an interest in finding ways to monitor your expenses, below is a list of 9 money management software tools.

AceMoney Lite

AceMoney Lite is free financial software is considered an alternative to Microsoft Money or Quicken.  AceMoney allows you to manage multiple accounts and manage your budgets.  You can also track multi-currency finances, analyze your spending habits, and make transfers between accounts.

Adaptu Wallet iPhone App

Adaptu Wallet lets you track and manage your money on the go.  You can categorize bills and expenses and get alerts before you overspend your monthly budget.  You can snap photos of your rewards and membership cards to avoid having too many keychains and stuffing your wallet.

Account Xpress

Account Xpress is a personal finance management software that has features designed to help you manage your money accurately.  You can track transactions for almost any kind of account.  Budget management is made possible by using user-defined income, expense budget categories, budget projections, and actual comparison reports.


CommonCents is a budgeting and personal finance solution that helps individuals and families control their finances.  CommonCents uses the “envelope” method of budgeting.  Every paycheck will be distributed into various envelopes.  When you pay your rent, the money comes out of the rent envelope.  When the money comes out of the groceries envelope, it comes from the groceries envelope.  CommonCents can manage your checking, savings, cash, and credit card accounts.


Grisbi is a free and open source personal accounting application that runs on several platforms including GNU/Linux and Windows.


HomeBank is free personal finance software that helps you manage your personal accounting.  The software has tools and it generates charts to detail your budget.

Home Budget for iPhone and iPad

The Home Budget iPhone and iPad application currently retails for $4.99.  It has a tracker to keep tabs on your expenses, income, bills that are due, and account balances.  It also offers support for budgeting and analysis of your expenses.  The app also generates charts and graphs.


Mint.com is a free service that lets you manage your budget with personal finance tools and calculators.  The service organizes and categorizes your spending.  You can set up “goals” and design a financial plan.  Mint has an iPhone and Android app so you can track your financial plan while on the go.


moneyStrands is an online budgeting app that helps you easily manage your budget, access your accounts, monitoring spending, and get notified on your upcoming bills.  The service supports multiple currencies and languages.  The app collects data for financial accounts including checking, savings, loans, and credit cards.

This article was written by Amit Chowdhry. You can follow me at @amitchowdhry or on Google+ at

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