2017 RANKING & REVIEWS
BEST PERSONAL FINANCE SOFTWARE


Top 5 Best Personal Finance Software Apps for Mac, Android, iPhone, Online, and Desktop

Identifying the best personal finance software or top finance apps for desktop, online, Mac, iPhone, Android or other devices can be a daunting undertaking, especially due to the wide-ranging landscape of the personal finance, budgeting, and savings software sectors.

In addition, comparing the many different features offered by various personal financial software tools can add considerably to your challenge in finding the best personal finance software that can best meet your needs.

This complete 2017 guide and ranking comparison presents this year's top and most powerful personal finance software that can be used by U.S. consumers in all aspect of their budgeting, finance, planning, and transaction monitoring.

Some of these top financial planning software tools will allow you to see a 360 complete view of your entire financial life in real time (funds coming in, funds going out of your accounts, expenses due tomorrow, next week, next month, etc.)

Essential Features to Look for When Searching for the Best Personal Finance Software for Mac, iPhone, Online, Decktop, Android Devices

Some very important features to consider when searching for the best personal finance software app to meet your budgeting, financial planning, and savings needs include:

  • Top-level security
  • Highly advanced computational capabilities
  • Fast real-time execution
  • An easy-to-use interface
  • Cutting-edge & powerful technological features
  • Easy categorization of thousands of different types of transactions.

So, based on the wide-ranging spectrum of financial planning software platforms available, how are you supposed to find time to conduct the detailed comparison research needed to identify the best personal finance tool?

Well, that’s where AdvisoryHQ comes in.

Key Questions: The Best Personal Finance Software for Desktop, Mac, Android, iPhone, and Other Mobile Devices

Below are some of the key questions that we have received:

  • Which tool is the best personal finance software to use?
  • What is the best personal finance software for a Mac user?
  • Which are the best personal financial planning software for desktop, iPhone, iPad, Android, Galaxy, Microsoft Lumia, Chromebook, etc.?
  • When is AdvisoryHQ going to publish a finance apps review report or personal finance software reviews?

Users have also been very interested in personal finance software reviews that cover the best-rated, free personal finance software, including free personal finance software for Mac as well as Windows users.

The rather large number of queries and emails really caught our attention. So we started digging around. Here at AdvisoryHQ News Media, digging around is something that we do best.

After conducting an extensive level of due diligence research and analysis, we identified five of this year’s top personal finance applications as presented in this personal finance software review article.

Award Emblem: Top 5 Best Personal Finance Software


AdvisoryHQ’s List of the Top 5 Best Personal Finance Software

Click any of the software names below to go directly to the detailed review section for that personal finance software:

Click here for 2016's ranking of the Top 5 Best Personal Finance Software 


Top 5 Best Personal Finance Software | Brief Comparison & Ranking

Top Personal Finance Software

Best for

Personal Capital

Individuals

Mint

Individuals

Quicken

Individuals

QuickBooks

Businesses

Wave

Businesses

Table: Top 5 Best Personal Finance Software


AdvisoryHQ’s Selection Methodology

What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top-rated lists?

Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top-rated credit cards, financial accounts, firms, products, and services.


Detailed Review – Top Ranking Best Personal Finance Software

Below, please find a detailed review of each software on our list of best personal finance software. We have highlighted some of the factors that allowed these top finance apps to score so high in our selection ranking.


Personal Capital Review


Personal Capital’s top ranking free personal finance software is considered one of the most powerful apps that is revolutionizing how consumers manage their finances today.

Founded in 2009 by Bill Harris (previous CEO of PayPal and Intuit), Personal Capital is a highly advanced, powerful, and free personal finance software online for budgeting, personal finance, and money management for all devices and platforms (online, desktop, iPhone, Mac, Samsung Galaxy, Windows, iPad, tablets, etc.).

5-min

Image Source: Personal Capital

Personal Capital has been ranked #18 on CNBC’s list of top disruptors, alongside Uber, Airbnb, SpaceX, and Dropbox. 

Note: At the current time, Personal Capital is ONLY available to U.S. based consumers. If you are not in the U.S., then you cannot use Personal Capital.

Key Factors That Led to Our Ranking of This as One of the Top Finance Apps

Below, please find a detailed list of the features which led to the selection of Personal Capital on our list of the best personal finance software. 

sign up for a free personal capital account
(Available only to U.S. consumers)

Comprehensive Account Management

Personal Capital allows you to effectively manage and monitor your entire financial life: financial planning, savings, investment, debt, budgeting, cash management, monthly expenses, and a wide range of other functions. 

Personal Capital Tablet View

Image Source: Personal Capital

With Personal Capital’s dashboard application, you can quickly link all your accounts—and get a real-time view of your transactions at every point in time.

This includes:

  • Checking
  • Savings
  • 401(k)
  • College fund
  • Loans
  • Home equity
  • Mortgage
  • Investments
  • IRAs & CDs
  • Monthly expenses
  • Periodic payments

Click below to sign-up

Join Personal Capital

(Available only to U.S. consumers)

60 Seconds Sign up – Personal Capital

You can track your daily, weekly, and monthly spending and expenses down to the penny

This includes every debit or credit card transaction, all checking or savings account information, and every automated or manually scheduled payment. All of these can easily be viewed in your dashboard.

Personal Capital - 300x600-min

(Available only to U.S. consumers)

sign up for a free personal capital account

On your dashboard, you can pull up your transaction history and perform a cash flow analysis. The personal budget software can also quickly and effectively generate spending and income reports.

In addition, you can set spending targets for certain categories using this personal finance app, which makes it super easy to track everything.

How safe and secure is Personal Capital? The financial planning software uses multiple layers of security to keep your information private. Read more here.

Budgeting Tools

What about budgeting? Check. Using Personal Capital’s Cash Flow Analyzer tool, you can easily create a budgeting plan that comes with real-time tracking features.

The Cash Flow Analyzer tool also has advanced capabilities that allow you to zero in on problem budgeting areas and find places to save.

Personal Capital also allows you to stay on track when it comes to managing your budget, paying your bills, and meeting your financial goals, making it a best personal budget software to consider.

This personal finance app makes it easy to see your recently paid, pending payments, and past payment information. You’ll also see upcoming bills that are due, the minimum amount due, and the total amount outstanding.

Device Compatibility

What about mobile and desktop device capability? Personal Capital is one of the best budget apps for desktop, iPad, iPhone, Mac, Android, Samsung Galaxy, Microsoft devices, BlackBerry, and online users. 

Using Personal Capital allows you to monitor and manage your financial transactions from anywhere, anytime.

Looking for the best free personal finance software? As a free personal finance app, Personal Capital is designed to be used across all platforms and is considered the best free personal finance software for all devices and platforms.

Charts & Graphs

After linking your accounts to your Personal Capital dashboard, this personal finance app aggregates information from your accounts into an advanced graphical and colorful series of charts and graphs to help you make sense of your savings and investments.

These advanced levels of graphics and reporting standards allow you to effectively monitor your cash inflow (i.e., income) and cash outflow (i.e., credit card, debit card, and other spending).

You can also monitor the performance of your stocks, bonds, and other investments on a single, easy-to-read screen.

Personal Capital Cash Flow and Net Worth

Image Source: Personal Capital

Value Proposition

As a software platform, Personal Capital is designed to take things one step further.

Rather than just aggregating all information across your financial accounts and transactions, this money management software goes a step further by allowing you to discover your net worth. 

Personal Capital allows you to see how well your investments are performing and, most importantly, see how your investments could be doing better.

Linked to your Personal Capital dashboard is an Investment Checkup tool that examines your investments and provides objective advice on how your portfolio could potentially achieve even higher returns now and in retirement. 

For additional information on Personal Capitals Investment Checkup, sign up for a Personal Capital​ account.

Sign Up Process

To sign up for this free personal finance software, you’ll need to provide your email address, a strong password, and a cell phone number. The mobile number is used for security validation.

Join Personal Capital

Click to Open Your Personal Capital Account

(Available only to U.S. consumers)

After signing up, the next step will be to link the accounts you would like to track. 

To link these accounts, you’ll need to provide log-in information (see the below section on security for information on how Personal Capital protects you and your information).

The log-in information you enter will be the same ones you use to log into your online bank accounts (checking, savings, etc.), credit cards, mortgages, expense accounts, and whatever financial accounts you want to track. 

Linking your accounts is a very easy process. You simply click a small plus arrow, specify the account type you want to link, and enter your log-in information.

Join Now – Free Personal Finance App (60-Second Signup)

Image Source: Personal Capital

Security: How Secure & Safe Is the App?

Like most financial and personal finance apps, Personal Capital is a read-only application, which means they are unable to transfer or remove funds from your accounts.

The software basically reads and aggregates your financial information, and then groups the information into categories for tracking and monitoring purposes.

You cant move funds between–or out of–any account using Personal Capital. And neither can anyone else.

The websites encryption is rated A by the world-renowned Qualys SSL Labs, a stronger rating than most major banks or brokerages. The company uses ECDHE key exchange for Perfect Forward Secrecy and does not allow SSLv3, RC4, or other insecure protocols or ciphers.

Their servers prefer to only allow highly secure TLS 1.2 protocol and also support TLS 1.1 and TLS 1.0.

sign up for a free personal capital account
(Available only to U.S. consumers)

Join Personal Capital Now – Free Financial Tools

Lastly, in regards to security, here is what the firm has to say about third-party security audits and testing:

  • Personal Capital operates under Securities and Exchange Commission (SEC) jurisdiction and is audited for compliance with SEC cybersecurity regulations.
  • We also use Verisign and other state-of-the-art security solutions and practices to protect our site.
  • WhiteHat Security performs around-the-clock security testing on our site.
  • Our iOS apps have passed the rigorous AppSecure certification process by NowSecure.

How Does Personal Capital Make Money?

If the software is free, how does the company make money? The personal finance app is free to use for tracking your finances and investments, budgeting, and money management.

However, the company also has financial advisors that you can choose to use for financial planning and investing if you wish. They charge fees for these financial advisory services.

Could Personal Capital Be the Best Personal Finance Tool for You?

You can consider Personal Capital THE best personal finance, budgeting, and investment management platform for you if you are looking for an all-in-one financial app where you can manage ALL of your finances and transactions in one place.

This could include checking, savings, 401(k), credit cards, revolving credit, online accounts, home equity, stocks, bonds, investing, and portfolios.

Best of all, Personal Capital is free to use. Give it a test run yourself and make your own judgment call.

Quick Signup – Join Personal Capital Today

sign up for a free personal capital account
(Available only to U.S. consumers)


Mint Review


Mint is a powerful personal finance software which allows users to create budgets, pay bills, and gain better control over their finances. 

Within two years of being launched, Mint was acquired by Intuit for $170 million, bringing Mint alongside leading personal finance software like QuickBooks, Quicken, and Turbo Tax.

Key Factors That Led to Our Ranking of This as One of the Top Finance Apps

Below, please find a detailed list of the features which led to our selection of Mint on this list of the best personal finance software. 

Cost-Effective Personal Finance Software

Mint is a free personal finance app that is only available to U.S. based individuals.

As a free personal finance software, Mint makes it cost-effective for people to learn how to budget. This also includes free credit tracking–a notable benefit among personal financial planning software.

Mint provides a full financial picture, and offers users guidance on how to improve overall credit.

Free Personal Finance Software

If it’s free, then how does Mint make money? Mint has many revenue streams.

For example, whenever a user signs up for a credit card, checking account, savings account or account marked as sponsored on Mint, Mint earns a referral fee.

Compatible With Multiple Devices

Is Mint a great personal finance software for Mac users? Absolutely. It does not matter what device you use: Mac, PC, Apple, etc. 

As long as you can access the Internet, you can log in and use the Mint personal finance app to manage your transactions.

Mint also has free apps for iPad, iPhone, Android, Microsoft, and other devices.

Image Source: Mint

Efficient Reporting

With excellent forecasting capabilities, Mint personal budget software allows you to see exactly how your spending decisions today would affect how much you have left at the end of the month or year.

Our Mint review found that this personal finance app provides efficient reporting through the way that data is communicated to users. 

Mint uses plain English that is very easy for anyone to understand (“Spent $87.66 at Target in Chicago, IL” instead of the standard "POS TGT X89G CHIC IL 87.66” that you would see on your bank statement).

Sign Up Process

Easy to open an account? Check! Open an account in minutes. It is very easy to get started because Mint is connected to most U.S. financial institutions online.

Our Mint review found that this personal finance app can very quickly pull in your financial data and aggregate your various accounts with very little effort on your part.

Online Bill Payment Feature

As a personal budget software, Mint provides a simple and organized way to not only keep track of bills, but to pay them off, too.

The Mint personal finance app features Mint Bill Pay, which allows an unlimited number of bank accounts, credit cards, and assorted bills–all for free. Through Mint Bill Pay, users can:

  • Schedule bill payments
  • See bills & account balances in one place
  • Save time by tracking everything in one spot
  • Avoid late fees with due date reminders

​As an additional benefit, payments made through Mint personal budget software often post by the next business day, making for a timely and efficient bill payment system.

Additional Benefits

Our Mint review found a few other notable features of this personal finance app that deserve recognition. 

Personalized Interface

Mint has literally hundreds of naming categories that can be personalized and used to categorize your “in and out” cash flow. It is also very easy to re-categorize transactions.

Even better, this money management software allows users to add their own categories, which can be applied to future charges.

High Security

Mint is obsessive about security. Since this money management software comes from the makers of TurboTax and QuickBooks, there are strong security measures in place to protect sensitive data.

Mint uses the same 128-bit SSL encryption that is used by major banks, and it is continuously verified and monitored by VeriSign, an online security firms.

Our Mint review found that this money management software also uses multi-factor authentication to protect each account, which includes:

  • 4-digit user code
  • Touch ID enabled
  • Security questions or code sent to email or text

Could Mint Be the Best Personal Budget Software for You?

Previously (until Personal Capital entered mainstream consciousness), Mint was THE best free personal finance software to use.

With its advanced technological budgeting, accounting, and financial management features, it quickly knocked Quicken off its perch as the “best personal money management software.”

Mint was (and remains) available free of charge, and has a better tracking and management algorithm than Quicken. This was a key reason  it was acquired for $170m by the very same company that owns Quicken.

One key difference: Mint is an online personal financial planning software, while Quicken needs to be downloaded to your computer.

Mint never has to be upgraded, while you’ll need to upgrade and maybe pay for the upgraded version of Quicken.

Mint vs. Personal Capital

Personal Capital is similar to Mint, but it comes with many more comprehensive features. If you invest or have any investment, then Personal Capital picks up where Mint leaves off. 

Like Mint, Personal Capital allows you to track your budget, spending, savings, and more.

More than Mint, it provides substantially better functionality for tracking investments and stock/bonds portfolios.

Personal Capital also provides detailed information on asset allocation, income tax planning, and retirement planning, making it the best personal finance software for investors.

Personal Capital (PC) vs. Mint (M) Comparison Factors

Personal Capital (PC) vs. Mint (M)

PC

M

All-in-one financial app

Yes

Yes

Does the company show ads on your dashboard?

No

Yes

Cleaner (less crowded) interface

Yes

No

Wealth management and investing interfaces

Yes

No

Sets alerts and thresholds – get notified

Yes

Yes

Easy to use and personalize

Yes

Yes

Conduct benchmark portfolio allocation

Yes

Yes

Easily see your net worth (real time)

Yes

No

Access to a financial planner

Yes

No

401(k) and portfolio allocation

Yes

No

Advanced budgeting capabilities

Yes

Yes

Additional security (device authentication)

Yes

No

Secured funds (cant move money in, out)

Yes

Yes

See all of your bills in one place

Yes

Yes

Plan for retirement

Yes

No

Wide range of colorful graphs and charts

Yes

Yes

Tracks business and/or tax-related items

Yes

Yes

Asset allocation

Yes

No

Click here to sign up for a free Personal Capital account​

Because Mint and Personal Capital are free to U.S. consumers, it is easy to sign up for both of them, and do your own personal testing to see which of the two works better for you. Let us know what you think. 


Quicken Review


For staying on top of a personal budget or maintaining your investments, Quicken has been a best personal finance software option since 1982.

With powerful budgeting tools and comprehensive financial management features, Quicken continues to be a top personal financial planning software.

Key Factors That Led to Our Ranking of This as One of the Top Finance Apps

Below, please find a detailed list of the features which led to the selection of Quicken on our list of the best personal finance software. 

Pricing Options

Quicken is not free. However, it has six different versions, one of which is bound to meet your needs and price point.

These versions include: 

  • Quicken for Mac 2017 ($64.99)
  • Quicken Starter Edition 2017 ($29.99)
  • Quicken Deluxe 2017 ($64.99)
  • Quicken Premier 2017 ($99.99)
  • Quicken Home & Business 2017 ($109.99)
  • Quicken Rental Property Manager 2017 ($154.99)

Note, though, that it often offers its Deluxe and Premier versions at sharp discounts.

Best Personal Finance Software

Image Source: Best Personal Finance Software

Starter, Deluxe, & Premier

Quickens Premier version is designed for individuals who are interested in portfolio management (managing their investments) as well as budgeting, banking, bill payments, account aggregation, and all of the features provided by the Starter and Deluxe versions.

Quicken allows you to see all of your financial transactions in one place–including allowing users to snap and store receipts for purchases–providing a complete “end-to-end” financial solution.

Credit Monitoring

Our Quicken review found that this money management software has a new feature that allows you to get your credit score for free.

Additionally, you are provided with daily monitoring and credit watch alerts to help protect against someone stealing and using your credit.

Because credit score and personal finances often go hand-in-hand, Quicken is a great personal budget software for those who want a holistic view of their financial status.

Budgeting Tools

As a top personal budget software, Quicken provides users with valuable personal financial planning software aimed at maintaining a budget.

Users can create a customized budget plan, and the Quicken money management software will track progress over time based on unique user plans.

Budget goals are also created based on previous spending habits, making it easy to dive into implementing the tools inside this personal budget software. 

Mobile Apps

Quicken’s newly revamped mobile apps give you the ability to quickly access and view your financial transactions on the go

These personal finance apps make it easy to review your Quicken account balances and track your budget plans and goals.

Mobile apps are designed for iPad, Android, iPhone, and many other mobile platforms. Data is quickly synced throughout all platforms, including your computer, tablet, and smartphone.

Privacy & Security

Quicken is committed to upholding the highest standards of security, protecting sensitive information inputted into their personal budget software.

Data is protected and securely transmitted using 128-bit and 256-bit encryption, a security level equal to that of major banks. Security features inside Quicken money management software also include:

  • Integrity checks for all messages
  • Firewall-protected servers
  • Option to password protect Quicken data files

​Desktop Versions: Mac vs. Windows

For desktop devices, Intuit provides two separate versions of this money management software: Quicken for Windows and Quicken for Macs.

Quicken has been rated as a top Mac personal finance software, and is one of the best known personal financial planning software for PC and other devices.

Quicken for Windows includes a wide range of features and versions. Previously, Quicken for Mac only included the basic version, with limited features for Mac users.

However, the latest versions (Quicken 2017 for Mac) comes loaded with a lot of new features which makes managing your money easier than ever.

Quicken 2017 for Mac supports bill pay from nearly 500 financial institutions. You can quickly pay any bill without leaving the Quicken for Mac platform. You can also transfer funds between accounts at the same financial institution.

Would you need to register your copy of Quicken 2017 for Mac? Yes. When you install or upgrade, you’ll be guided to enter your Intuit ID and register Quicken.

Could Quicken Be the Best Personal Finance Software for You? 

Quicken is the best personal money management software for those who seek a personal accounting and portfolio management software that has been around for decades – Quicken is definitely a “well-established platform.”

However, if you are interested in Quicken’s portfolio management features, you can get that for free with Personal Capital. 

Also, if advanced personal finance software and budgeting features are what you seek, then Mint and Personal Capital would present better (more affordable) choices. 

For those who still use checks, Quicken is beneficial because it can be used to print checks, making it particularly beneficial.


QuickBooks Review


QuickBooks is the market leader in small business software, and was the award-winning product that revolutionized the way people managed their small business finances and accounting.

Limited Time: Up to 50% Off QuickBooks (Don't Miss)

As the market leader for business apps, QuickBooks provides a comprehensive suite of features that will meet most (if not all) of your business needs irrespective of your business size: very small, small, medium, large, very large, enterprise, global.

Key Factors That Led to Our Ranking of This as One of the Top Finance Apps

Below, please find a detailed list of the features which led to the selection of QuickBooks on our list of the best personal finance software in 2017. 

Powerful Business Tools

QuickBooks is this years highest rated financial app for businesses, as this money management software provides great tools for small businesses to use.

A few specific benefits of this personal finance app include:

  • Easily enter your employee & business information.
  • Import your PayPal transactions into QuickBooks Online.
  • Extract data from receipts and invoices, track income & expenses, & generate estimates & invoices.
  • Easily see your Profit & Loss, Balance Sheet, & dozens of other reports via the click of a button.
  • Enter in hours & overtime or deductions, or review your payroll & submit, all from within the QuickBooks dashboard.

​Payroll Tools

Not surprisingly, part of being a top business money management software means providing users with the ability to run payroll.

QuickBooks provides small businesses with the following payroll benefits:

  • Run payroll as many times as you’d like each month, with no additional cost. 
  • With automatic reminders, you’ll never miss a payroll again.
  • Run Payroll: Just enter hours for up to 50 employees and you’re all set.
  • Review your payroll at a glance with detailed reports, right inside QuickBooks.

​Tax Tools

QuickBooks also provides specific benefits for tax preparation, including:

  • Quarterly and year-end payroll taxes are all calculated for you. Just click to e-file and e-pay right from QuickBooks.
  • Easily and quickly prepare and print 1099 forms.

​For those who are looking for a fluid personal financial planning software to handle day-to-day finances and tax preparation, QuickBooks is one of the best personal finance software options out there.

Easy Collaboration

QuickBooks makes it easy to work securely online with your accountant or team simultaneously – from anywhere.

Users also don't have to worry about backing up their information, as data is securely stored through QuickBooks software, and QuickBooks Online syncs files easily in real time.

Collaboration is closely tied with compatibility, which is why QuickBooks Online works from any device (Mac, Windows, Apple, Microsoft, etc.).

All New QuickBooks – FREE TRIAL

QuickBooks Pricing

QuickBooks offers a wide range of pricing options to meet most price points.

You can choose one of four monthly plans (for the online versions) which allows you to work across all your devices – PC, Mac, smartphone & tablet – or you can choose one of the one-time cost pricing options for the downloadable desktop versions.

Promotions

Check out the promotions below, which can drastically offset the cost of using QuickBooks

Could QuickBooks Be the Best Personal Financial Software For You?

QuickBooks (although not a free personal finance software) is designed to work flawlessly with all business types and structures.

When it comes to business management, sometimes it pays “to spend money” in order “to make money.” 

Its advanced features, comprehensive business and accounting management capabilities, wide range of integrated services and interfaces, and overall sophistication makes QuickBooks this year’s best accounting software for businesses.


Wave Review


With humble beginnings as a scrappy startup, Wave entered the world of money management software in 2010.

Not only is the Wave money management software easy to use, but it is also intuitive, designed for anyone to understand, not just accountants. For small business owners, this is a huge benefit. 

With over $21 billion in annual invoices and $62 million in investments, Wave is continuing to change the way that small businesses approach their financial planning software.

Key Factors That Led to Our Ranking of This as One of the Top Finance Apps

Below, please find a detailed list of the features which led to the selection of Wave on our list of the best personal finance software. 

Strong Growth

Although not as well-known as QuickBooks, Wave Personal Finance Software is a fast-growing finance application, and one of the top five best personal accounting software of the year.

Wave is best designed for business owners who are looking for a hybrid personal finance app and business management app.

Wave has grown so fast that it now has 2.3 million customers and $175 billion in tracked income and expenses.

Free Personal Finance Software

Wave money management software is available free of charge, making it one of the most affordable business management tools.

While there are charges for credit card and payroll processing fees, Wave allows users to pay as they go, rather than sign up for a contract or make a lengthy commitment. 

The credit card processing fee 2.9% + $0.30 per transaction, while the payroll processing fee is $15 per month, including an extra $4 for each employee.

Businesses in New York, California, Florida, and Texas can enjoy full payroll tax service for $10 a month.

Image Source: Wave

Versatile Accounting Tools

Wave’s personal accounting software works very well with Wave’s business invoicing, accounting, and payroll tools.

It is a budgeting, personal finance, personal accounting, business finance, and investment tracking tool. With real-time updates and tracking, Wave is truly an all-in-one finance software.

With seamless integration, Wave allows business owners to integrate their business accounting tools with personal budgeting tools.

This is very important, as business owners must always account for expenses that apply to both sides of their lives (business and personal). 

Widespread Accessibility

With Wave, all you really need is online access and a browser, and you can easily and quickly view your Wave account anywhere, from any computer.

Is Wave available for a Mac user who wants to manage his or her business and personal finances? Yes.

Wave is accessible by Mac, Windows, Linux, iPhone and iPad users. Wave is a cloud-based platform, so there is nothing to ever install or update.

Industry-Standard Security

Security? Wave uses 256-bit encryption. It also stores all of your data on servers that are physically and electronically protected.

In addition, Wave’s protocols are certified by Thawte and TrustE, and the software is PCI Level-1 certified for handling credit card information.

Could Wave Be the Best Personal Finance Software for You?

Wave definitely earns an honorary title for a great finance app for business owners.

As mentioned above, Wave is designed for entrepreneurs and business owners looking for a hybrid accounting software for their personal finances and a management tool for their business.

Our Wave review found that this money management software is organized, efficient, and powerful.

For small businesses who want a personal finance app and a business finance app in one package, Wave is a great financial planning software to consider.


Conclusion: The Need for Annual Personal Finance Software Reviews

When it comes to technology, things are always changing. The beauty of this is that there are always plenty of upcoming personal financial planning software and business software options to choose from.

The downfall, of course, is that what worked today could very easily become obsolete in 6–12 months. The top personal finance apps in 2017 could easily become overshadowed by new or revamped software next year.

As such, when selecting this list of the top financial planning software, we needed to ensure that we were selecting those with a high probability of being around next year or even five years from now. 

This means determining longevity through applying factors like popularity, user growth, and revenue capability during each money management software review. 

Of course, many of our top best personal finance software on this list come free of charge–this is because their revenue sources come from outside sources, like referral fees, rather than charging users for financial planning software.

When choosing the best personal finance software for you, keep in mind that just because a personal financial software app is free does not mean that it will not have long-lasting use.

Thankfully, longevity does not need to depend solely on a high price tag. It also includes user satisfaction, budgeting features, investing capabilities, small business benefits, bill payments, and more.

As each new year comes around, our list of the top personal finance software will continue to evolve, ensuring that our list is well-maintained and current with the best money money management software available. 


 

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