Moneydance Personal Finance

Track personal finances across accounts and review spending, budgets and investments. Moneydance Personal Finance is a desktop personal-finance manager that runs on Windows, macOS and Linux and keeps your data locally in an encrypted file. It downloads transactions and sends payments online with supported banks, tracks stocks, bonds, funds and other investments, handles multiple currencies with a history of exchange rates, compares budgets with actual spending, and reminds you of upcoming bills. Enter or import transactions into the appropriate account, categorize them and reconcile the register against a reliable account record. This turns a set of balances into a history of where money came from and where it went. Budgets and reports then make that history easier to review over a chosen period. Investment records and multiple currencies support a broader view when personal finances extend beyond a single everyday bank account. The goal is an organized set of records that can be inspected and corrected, rather than depending on several unrelated spreadsheets with different conventions. Online connectivity depends on the institution, supported connection method and any separately required service. Moneydance does not guarantee access to every bank and does not provide financial advice. Check imported entries for duplicates, review opening balances and preserve a backup before changing the structure of an established data file.

Features

• Online transaction download and bill payment
• Investment tracking
• Multi-currency with rate history
• Budgets and reports
• Bill reminders
• Windows, macOS and Linux