Best Free Budget Software in 2023!

Budgeting and managing your expenses is not complex, but achieving good results is also tricky. It requires patience, and it takes a close eye on the details of where you are spending and what you are getting. One way to do this is to take advantage of the software and services; you can download and start planning on them and let them update you occasionally.

Surprisingly free personal finance software is beneficial, helping you track your spending and expenses; it can create and manage your budgets and costs and give you a complete and final report after the month.

The best news is whether your computer has macOS, Linux, or even Android plus; if you have a smartphone, you can still find free software that can track your finances And help you have a better way to spend your money after a month.

For those who are new today and do not know what software is in the market and what software can be helpful for them, here are some of the subjects and the description with fully featured details below.

The best free budget software

Free software to keep track of expenses is:

  • Mint: Mint is a popular budgeting app that helps you manage your money, track your expenses, and create a budget.
  • GNU-Cash free and open-source personal and small-business financial accounting software that offers a range of features to manage your finances.
  • Personal Capital: Personal Capital is a financial management app that offers budgeting tools, investment tracking, and retirement planning.
  • EveryDollar: EveryDollar is a budgeting app that helps you create a monthly budget and track your spending.
  • PocketGuard: PocketGuard is a personal finance app that helps you track your spending, create a budget, and save money.
  • Goodbudget: Goodbudget is a budgeting app that uses the envelope method to help you manage your money.
  • Wally: Wally is a personal finance app that helps you track expenses and manage your budget.
  • YNAB (You Need a Budget): YNAB is a budgeting app that helps you create a budget and track your spending.
  • Clarity Money: Clarity Money is a personal finance app that helps you track your spending, create a budget, and manage your bills.
  • Honeydue: Honeydue is a budgeting app designed for couples that helps you track your joint expenses, set financial goals, and manage your budget together.
  • Albert: Albert is a personal finance app that helps you create a budget, save money, and invest for the future.

What is Mint?

In the market trend, a free online budget planner is known as Mint. With this App, you can have the facility of all your financial data in one place, showing you an overview of higher budget spending bills and good scores are going. You can create your budget and set your goals for the month, and the App will set up a reminder that you can sync your data between the Web and apps.

mint budget software screenshot


Mint Budget Software Features

  • Budget Tracking: Mint allows users to create a budget and track spending in various categories such as groceries, entertainment, bills, etc.
  • Expense Tracking: Mint automatically categorizes users’ transactions and tracks their spending in real time.
  • Reminders: Users can set up bill reminders to never miss a payment and avoid late fees.
  • Credit Score Tracking: Mint provides users with their credit score and credit report for free and tips on improving their credit score.
  • Investment Tracking: Users can link their investment accounts to Mint and track their investment performance.
  • Goal Setting: Mint allows users to set financial goals such as saving for a down payment on a house, paying off debt, or building an emergency fund.
  • Alerts: Mint sends users alerts when they approach their budget limit or when their accounts have unusual activity.
  • Personalized Insights: Mint provides users with customized insights and recommendations based on their spending habits and financial goals.
  • Mobile App: Mint has a mobile app that allows users to access their budget and financial information on the go.
  • Security: Mint uses 256-bit encryption and multi-factor authentication to keep users’ financial information safe and secure.


You fear losing your data, or someone might beat that up. For security purposes, Don’t worry; the security of this software is enhanced by a multi-factor authentication feature known as encryption. And if you have your investments or any other portfolio, you can also track them down using the app mint. This app mint can be used on iOS and Android since it’s compatible with both software.

What is GnuCash?

Unlike the apps mentioned above, this is just desktop software; it has features like dragging your bank account stocks, income expenses budgets, and monthly expenditures. Isn’t it cool?

gnucash budget software screenshot

GnuCash is a free and open-source personal and small-business financial accounting software that offers a range of features to manage your finances. Here are some of the critical components of GnuCash:

  • Double-entry Accounting: GnuCash uses a double-entry accounting system to ensure the accuracy and reliability of financial data.
  • Multiple Account Types: GnuCash supports various account types, including bank accounts, investment accounts, credit cards, and loans.
  • Budgeting: GnuCash offers budgeting tools to help you create a budget and track your spending.
  • Bill Reminder: GnuCash provides reminders for upcoming bills and invoices to ensure you never miss a payment.
  • Investment Tracking: GnuCash allows you to track your investments and monitor your portfolio performance.
  • Reporting: GnuCash offers a range of customizable reports, including balance sheets, income statements, cash flow statements, and more.
  • Import/Export: GnuCash allows you to import data from other financial software and export data in various formats, such as QIF, OFX, and CSV.
  • Customization: GNUCash is highly customizable and allows you to configure your accounts, reports, and data entry forms to suit your needs.
  • Multi-currency Support: GnuCash supports multiple currencies and allows you to track transactions in different currencies.
  • Security: GNUCash uses industry-standard encryption to ensure the safety of your financial data.


This software has other features that are based on a double-entry accounting for balancing the books, and you can also create several reports of your financial data to see the progress; with this, you can also have other offers like a small business accounting tool that lets you manage customers and Vendor and handling all of the invoices bills and pedals if you’re in a small business it’s a more significant advantage to use this software on deck stop it can help you to track all other financial data we just one App and it suggests you the better report.

Now for all who want to know if this is compatible with Windows, Mac Linux Solaris, the answer is yes, this is compatible with all these software of computers.

It has a Compatible software app compatible with android, and you can use it to track your expense report on your cell phone and later import it on your desktop software to see the detailed report.

Although the time of this era is all digital, there is no hard and fast rule for those who want to keep things simple and concrete, and for this, you can also make a spreadsheet if you are just not comfortable going with the soft ears or apps.

This software and apps are for people who do not have much time to calculate things and want a helping hand from the technology to do all their stuff accurately and with security.

What is AceMoney Lite?

This App is the best Microsoft app you can have the best feature of this App is that it builds itself. Other features are as follows: you can manage your budget like others. It can track your finances. Still, here you have one plus that can handle your finances in multiple currencies, so you are not limited to one currency; it can help you keep an eye on your investment.

ace money light budget software

So, all in all, it can also help you to Take notice of your spending habits and routine for the week. You can also use your banking system online with this App since it is light for you and limited to one or two accounts. Still, you don’t worry if you can get the premium version, the full version that helps you get an unlimited budget for personal financing. As for compatibility, money light is compatible with all software, whether it’s Windows or Mac OSx.

You can use YouTube and other videos of this kind of beer for those still in trouble getting more details. Do you know did you Torio how to use this software?

The tutorials will help you get detailed information about saving on your bills and getting the suggested report.

What is a Free budget spreadsheet?

It is perfectly okay to be simple and help your budget and expenses be written on a plain spreadsheet; we have this option for saving purposes.

All you need to do is to make your financial report on a spreadsheet; now you might be wondering what the should be template and how it can be helpful, so the better thing is you should use Microsoft Excel, open office calc or Google Sheets these three can help you out in spreadsheet templates for your budget of the month now you have to download and open them in your spreadsheet software to get started.

  • Budget Templates: Free budget spreadsheet software often comes with pre-designed budget templates that you can customize to fit your needs.
  • Expense Tracking: You can track your expenses and income by entering them in the spreadsheet, which automatically calculates the totals and displays them in graphs and charts.
  • Customizable Categories: You can customize expenses and income categories to match your budget.
  • Monthly or Yearly Budget: You can create a monthly or yearly budget and track your progress against your goals.
  • Savings Goals: You can set up savings goals and track your progress.
  • Bill Reminders: You can set up reminders for upcoming bills to ensure you never miss a payment.
  • Debt Tracking: You can track your debt payments and progress towards paying them off.
  • Investment Tracking: You can track your investment accounts and monitor their performance.
  • Tax Preparation: You can use budget spreadsheet software to prepare for tax season by tracking your deductible expenses.
  • Export and Import Data: You can import and export data from other financial software, such as your bank’s website or a personal finance app, to streamline tracking your expenses and income.

This way, you can help concrete evidence of your invoices bills cope and receive all in one place. Although it is pretty complex, it is helpful if you have the time for this, you can manage it. Nothing is impossible but be careful to take care of all your receipts, bills, and invoices to keep the data handy and accurate.

Using a spreadsheet, you must manually put all the data numbers evenly and accurately. Then you need to come up with the idea or hall and how to save money, from which commodity you can reduce your expenses, and where you can invest more.

This is helpful since it can help you align with your expenses and budget. You have everything in your mind that will remind you not to spend on terrible things since you help me with your budget spreadsheet, so now you know you have spent a lot, and your savings are less, which will motivate you ultimately to save more.

Here is a short reminder that you can use some up and totals option in Microsoft excel stuff to calculate the data all in one.

You can have multiple sheets on just one page, and you can save it as long as you want; the plus point is that your data will not be lost to anyone since it’s not an online tool, and you can use it any time anywhere just on the laptop it will not be exposed to any online feature or platform.


What is Personal Capital?

Personal capital is also a desktop software that can be useful in tracking your investment expenses budgets and all the things that other apps or structures have offered. The best thing about personal capital software is that it can also help you plan for retirement and save enough money for your afterlife after retirement. In addition to all these factors, you can have a detailed report using the analysis tool for cash flow, your expenses, your budgeting and spending, and even your net worth.

So as far it is more concerned with the investment, you can also use a side part of his budgeting complement in the software, but it is not merely focused on budgeting.

personal capital screenshot software

This App or software is helpful for investors, business people, or anyone who owns a small business. Plus, if you’re looking for personal finances budgeting software and have complete help in this perspective, private capital might not be the best fit since its primary focus is on investment.

Persoanl Capital Features

  • Account Aggregation: Personal Capital allows users to link all their financial accounts, including bank accounts, credit cards, investment accounts, and loans, to get a complete picture of their finances.
  • Budgeting: Personal Capital offers budgeting tools to help users create a budget and track their spending.
  • Investment Tracking: Personal Capital provides a dashboard that displays users’ investment portfolios and performance.
  • Retirement Planning: Personal Capital offers retirement planning tools that help users set goals and plan for retirement.
  • Net Worth Tracking: Personal Capital tracks users’ net worth by aggregating all their financial accounts and calculating their assets and liabilities.
  • Cash Flow Analysis: Personal Capital provides users with a cash flow analysis that shows their income and expenses and their saving and spending patterns.
  • Fee Analyzer: Personal Capital’s fee analyzer tool helps users identify and analyze the fees they are paying on their investment accounts.
  • Investment Advice: Personal Capital offers personalized investment advice based on users’ financial goals and risk tolerance.
  • Tax Optimization: Personal Capital provides strategies to help users reduce their tax liabilities.
  • Mobile App: Personal Capital has a mobile app that allows users to access their financial information on the go.

Since we are talking about all the saving plans and how we can save more, investment is also a critical element that can help you save more and get more in the future if you save and want to have a double. You can invest it somewhere and earn a profit. In this critical time, this way, you can help yourself, and it is within your budget.

If you are afraid that your money will be gone and you will not have anything last, be patient, investments always take time, and it grows gradually. On the first note, you have to wait for a little and then definitely, you are going to get a great response, a good response, in the end, and it will go on like these investments always pay you off if not in a profit you can get your money back.

Coming back to this personal capital, stop here compatibility is for android and iOS users both, and you can use this on the web and App Too. It is a perfect choice for business owners and investors.

What is Buddi?

Now comes our free and easy-to-use software. This budget software is compatible with Windows, Mac, and Linux systems the plus point here we have is that it is translated into multiple languages, which means many people from different languages backgrounds or cultural backgrounds can use this software in their language even if they know English or not they can still use this.

This software is also significant from a security perspective since it is encrypted in financial data with a password, which means you can put your password on your financial data. No one can see it if they do not know the password.

Now come to its features, the budget software buddy has different characteristics. He is budgeting, checking accounts, giving a personal finance report, and helping you with your expenses and whatnot. Although every so often has some plus points and some weak points as well as we have discussed the plus points, here comes a weak point: you have to enter all the transactions and your financial data meant to be in this Saturday.

Now come to its features, the budget software buddy has different parts. He is budgeting a checking account, giving a personal finance report, and helping you with your expenses and whatnot.

Although every so often has some plus points and some weak points as well as we have discussed the plus points, here comes a weak point: you have to enter all the transactions and your financial data meant to be in this Saturday.

If you know any other plug-ins and you know how to use them, you can add more features by using those plug-ins in this app/software; it is not very hard to use if you have no financial background; you can still use this, but not any complications. As for compatibility, we have discussed that it is compatible with Windows, Mac OSx, and Linux, and it’s great to use for budgeting.

So far, all these doctors or apps that we have discussed above are great in their perspectives, and feel you can use and choose any one of them as per your requirement with your choice; you can use one by one all of them and get to know which feature which software helps you more and you can continue using them.

The reminder does not include all your financial details right after downloading it. Always research before you use and put your data in the App. So far, all these software or apps that we have discussed above are excellent in their perspectives, and feel you can use and choose any one of them as per your requirement with your choice you can use one by one all of them and get to know which feature which software helps you more and you can continue using them.

The reminder:

Please do not put all your financial details right after you download it. Always do a little research before you use and put your data in the App…Use YouTube and other video tutorials regarding the app usage. Do a bit of investigation by visiting their website and reading their reviews. And once you get satisfied, you can continue using any help you want. Since we have talked about nearly all online personal finance budgeting software, but it still depends on your choice of what you want to use, we have discussed their features plus points and negative points in this article.

What is Microsoft Money Sunset Deluxe?

Last, we have our previous software, budgeting, and percent financing, Microsoft money sunset deluxe. After the discontinuation of Microsoft money plus, Microsoft has come up with this money sunset deluxe, and it’s available almost free of charge.

Since Microsoft money plus sunset Dealer is the latest worrying and has placed all its previous software versions, the only plus point we have with this software is that it is online – only – self–help. That means you have to get along with this softer by self-help. There will be no online services in this after you cannot be your online bill is no data synchronization, no online reports, and status of financial data.

Since you’re not getting any online service and disappear, you must rely on yourself; it’s more or less likely, as in the Microsoft Excel spreadsheet. There are other limitations, and as a future update so far s, beware of all these things and options before you choose this. As for gun compatibility, Microsoft money plus sunset Dealer is compatible only with windows, so Apple users cannot use this.


Always be more careful when giving or adding your personal information to any app or software. You can follow this great move to get the favorable and best results. A bit of carefulness will not hurt but will result in satisfaction.

You can have other ways to deal with this matter, but always remember that safety comes first, so try to be the one that follows SOPs to ensure that you remain safe while handling any other issues in this extreme pandemic situation.

Bring your mask along and wear it whenever you feel like being in a conversation with other people. Wash your hands regularly, plus try to use gloves if easily so.

Do not go out in a crowded area until or unless you are left with o choice or an emergency that you have. Be safe and make your friends and family follow the SOPs, too, to ensure they are safe. Right now, it is quite a great move if we stay at home and focus on our budgets and spending digitally or manually the way we like. Plus, to spend more time working productively and efficiently and with family.


Daniel Smith

Daniel Smith

Daniel Smith is an experienced economist and financial analyst from Utah. He has been in finance for nearly two decades, having worked as a senior analyst for Wells Fargo Bank for 19 years. After leaving Wells Fargo Bank in 2014, Daniel began a career as a finance consultant, advising companies and individuals on economic policy, labor relations, and financial management. At, Daniel writes about personal finance topics, value estimation, budgeting strategies, retirement planning, and portfolio diversification. Read more on Daniel Smith's biography page. Contact Daniel:

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