15 Personal Finance Apps for the Mac

There’s one more great finance app that our readers keep recommending: You Need a Budget (YNAB). We reviewed it, and it turned out to be such a good app we gave it a 10/10 rating. Be sure to check out our review of You Need a Budget!

Thanks to personal finance applications, managing and tracking budgets, expenses, cash flows, and potential savings is easier than ever and far less time-consuming. We’ve covered quite a few finance apps for the Mac in the past few months, which shows a growing interest in this category.

We did a round-up of 7 finance software for the Mac two years ago, so I thought it would be interesting to refresh things and take a look at today’s choices for personal finance software. If you’re wondering what’s new, popular, and consistent in the money management category, check out the apps below!

Most finance apps are higher in price range than productivity apps or games. Visit the developer’s website and see if they have free trial that you can download before making the purchase at the Mac App Store.

New Additions

Let’s begin with a couple of additions since our last finance app roundup.

iBank

iBank is a powerful contender in the finance category. At version 4, it received a complete UI redesign while offering various features to assist you when managing your finances. Easy imports of past financial data, budgeting, detailed reports, and tracking investments are some of the things to expect in iBank.

While it’s much more expensive than others, it’s proven to be consistent in terms of performance and reliability.

Price: $59.99
Requires: Mac OS X 10.5 or later
Developer: IGG Software

koku

Koku

Koku is a money management app that aims to help you track your money and monitor your spending. Besides its beautiful design, it offers features that give you full control of your financial accounts. Some of the notable features include direct linkage to hundreds of banks, importing and exporting data in various formats, smart tagging, and eye-catching yet detailed visual reports.

Price: $29.99
Requires: Mac OS X 10.6 or later
Developer: Fading Red

Cashculator

Cashculator

While most personal finance apps focus on listing down past and present credit/debit transactions, Cashculator takes on a different route by focusing on tracking your cash flow and helping you make smarter financial decisions for the future based on your data. Just enter your income and expenses, and Cashculator can take care of the rest.

Price: $29.99; a free version is available but limited to two scenarios and a 3-month time span
Requires: Mac OS X 10.7 or later
Developer: Apparent Software

Checkbook

Checkbook

Checkbook is a finance app that aims to help you manage your finances with just the right balance of features. It’s easy to enter and categorize debits or deposits and to make changes to each transaction, since everything is in a single-window, no-nonsense interface. It has a scheduling feature to remind you when it’s time to pay your dues, account summaries, and an advance search filter to make it easy for you to locate entries.

Price: $14.99 ($24.99 for Checkbook Pro)
Requires: Mac OS X 10.6.6 or later
Developer: Splasm Software, Inc.

Savings

Savings aims to manage your personal finances without putting you on a learning curve. It sports a simple user interface and features that you know you will use such as budget tracking, scheduling transactions, importing and exporting data, trends, and breakdowns.

If you’re new to managing and tracking your personal finances and are looking for a finance app that can walk you through the process, Savings is a great choice.

Price: $9.99
Requires: Mac OS X 10.6.6 or later
Developer: Yi Lin Productions

Simplibudget icon

Simplibudget

Simple personal finance management is a growing trend nowadays. Here’s Simplibudget, an app that simplifies the process of managing your budgets by tracking your income, expenses, and savings. You can categorize your budgets and see how you’re doing through interactive charts. While the design isn’t as robust as the more expensive options, Simplibudget gets the job done. What’s more, it syncs your accounts on the iPhone and iPad via iCloud.

Price: $1.99
Requires: Mac OS X 10.6 or later, 64-bit
Developer: Stephen Arrowsmith

Money Plus

Money Plus is another finance app that approaches the problem of organizing your finances through simplified methods. It’s easy to enter transactions and repeat transactions, plus you get to see your progress through five different windows: Overview, Daily, Categories, Budgets, and Graphs. You can read the detailed review here.

Price: $9.99
Requires: Mac OS X 10.6 or later, 64-bit
Developer: Alex Rastorgouev

iCompta

iCompta was mentioned as a suggestion in the last round-up, but I believe it deserves its own spot as a contender in the finance app category. Its got a good set of features that help you manage your personal accounts and an affordable price. It also offers full synchronization between the Mac and iOS versions, enabling you to enter transactions wherever you go.

Price: $18.99
Requires: Mac OS X 10.6.6 or later
Developer: LyricApps

iFinance

iFinance promises an easy and effective way to manage your personal finances. You can either start from scratch or import existing data into the app to pick up where you left off. It’s easy to split transactions into different categories, track your progress through charts and interactive reports, and its affordable despite its many features.

Price: $29.99
Requires: Mac OS X 10.6.6 or later
Developer: Synium Software GmbH

MoneyWiz for Mac

Moneywiz

Moneywiz is a beautiful personal finance app for iOS that’s about to climb on board the Mac wagon. I use Moneywiz for the iPad to manage my financial accounts, so I’m pretty excited that a Mac version is coming soon. You can read full scoop the launch of Moneywiz for the Mac for details about the features, pricing, and launch date.

Price: $24.99, exclusively on the Mac App Store
Requires: Mac OS X 10.7 or later
Developer: Silverwiz

Looking Back

Now that we’ve covered the newer additions, let’s take a look at what has changed or improved for the older batch of finance apps for the Mac.

Moneywell icon

MoneyWell

Moneywell, the popular envelope-style budgeting app, is now one of the most recommended finance apps in the industry. It’s got a shiny new icon, a slick interface design, faster synching, and is fully operational on OS X Lion. There’s a wide range of new features as well, such as event-based budgeting, interactive reports, smart filtering, and many more. Read how Moneywell works in this in-depth review.

Price: $49.99
Requires: Mac OS X 10.7 or later, 64-bit
Developer: No Thirst Software

Money

Money 4 by Jumsoft has improved with new features and a redesigned user interface to make it easy for you to track and manage your personal finances. You can now schedule transactions using Smart Scheduler, track investments, create and plan budgets, and track different accounts all in one window. This is the personal finance app I use on the Mac, and the one I’ve stuck with the longest.

Price: $38.99
Requires: Mac OS X 10.7 or later, 64-bit
Developer: Jumsoft

Squirrel

Squirrel has also grown in popularity and had a a recent review published on Mac.Appstorm. The app tackles personal finance management through a straightforward interface design and easy-to-use features, such as budget tracking, scheduling transactions, and creating progress reports.

Price: $24.99
Requires: Mac OS X 10.7.2 or later, 64-bit
Developer: Axel Péju

Moneydance

Moneydance 2011 continues to be a great finance application for the Mac. The app offers online banking wherein you can download transactions automatically as well as send online payments to recognized financial institutions. Other features, such as calendars, reminders, and account graphing are also available on Moneydance. A significant change since we last looked at the app is a $10 price increase from its old price of $39.99.

Price: $49.99
Requires: Mac OS X 10.4 or later
Developer: The Infinite Kind Limited

iCash SE

Lastly, we have iCash or iCash SE, a finance app with a whole range of features to track and manage your financial accounts. As it is feature-rich and multi-purpose, iCash can also be used for small businesses, associations, and the self-employed. The recent update (pushed out last April 24, 2012) offers various fixes and new features, so you might want to check it out.

Price: $49.99
Requires: Mac OS X 10.6.6 or later
Developer: Max Programming, S.L.

How Do You Manage Your Money?

We’ve seen a couple of great Mac apps for personal finance management. Some have improved over the years while others have take on different strategies and approaches to managing money.

This goes to show that there is a thriving need for great finance software for the Mac. Hopefully, we’ll see plenty more that can help us manage our finances effectively.


  • Michael

    I use YNAB (You Need a Budget) has an iPhone (and android) app for tracking on the go. Great as I know how much I have for entertainment not how much I have in the bank, big difference when deciding if you can afford a new toy or the latest movie.

    • Different Michael

      Another big vote for YNAB. They have beautiful Mac software with a companion iPhone app and by far the most intelligent budgeting system of any software I’ve seen. Check it out.

    • Chris

      Another shout out for YNAB! Totally changed my life, and finances now under control. Super slick and easy to use on Mac and iPhone. Grateful for it.

    • Dan

      I should start reading the comments more often than the posts. I’ve only heard of YNAB from these comments so I decided to use. It is HANDS DOWN the best budgeting software out there. The user interface is perfect for quick reference of where your money is. It really changed the way I budget. The closest comparison to YNAB would be Moneywell, but Moneywell’s user interface relies too much on your transactions and not what you should be spending your money.

      I think the only reason YNAB is not on a Mac Software list is because it uses Adobe Air and is not a “native” Mac app.

      Thanks commenters for your suggestions.

  • sam

    hmm all these apps are just a better numbers/excel app.
    why no app has a forecast feature? which tells me ‘hey you wann go and buy a new tv for 2000$/€ ? you can do in 3 month based on actual money flow’.
    all these apps here show me only the past and based on some nice looking graphs, pie charts or other renderings i can guess by my self… i dont like such non intelligent tools in 2012. i need a forecast app – when can i buy this or that?

    • http://www.livehoustontexas.com/cypress.php Steve

      Seriously! Simply the most used feature in the older Quicken software I had on my PC years ago. The new Mac version of Quicken can do it, but I like line charts to show cash flow, not projected future balances.

    • Carlos

      You have an app that do that and so much more, it Debtinator, I only wish it had Android mobile app version, Debtinator is an app for Mac OS X, don’t let you fool for the simple interface, it’s the most powerful app I have seen in Finance.

  • MC

    fyi: Moneywiz now available for Mac. Exited to try this for it’s syncing across multiple devices capabilities. Still searching for the best solution but Moneywiz promises to be close to that, if not that. Wish I could try before I buy though. Price is a little steep for one who isn’t sure it’s what they want and would like to test if it meet our needs…

    • http://wannabgeek.com wannabgeek

      If you like the iOS apps you will be fine with the Mac version.

      The main addition is the ability to undertake bulk edits (ie add a category to all highlighted transactions).

      You can find a quick review I did on the app here – http://wannabgeek.com/2012/05/moneywiz-for-mac-review/

  • Pedro Mata-Mouros

    Wow, amazing how YNAB is not even mentioned here… :-) Srsly Stef Gonzaga, do yourself and your readers a favor and go install the trial version.

    • Marc

      I agree. I don’t know why Ynab is rarely included, while I believe this is one of the best to forecast and stay on track.
      Such a long list and Ynab is not here -> feels so strange.

    • http://stefgonzaga.com/ Stef Gonzaga

      This is actually the first time I’ve heard of YNAB, so I’ll definitely check it out. Thanks for the heads-up! :-)

    • Jonathan

      Hey, thanks for mentioning YNAB so much! After seeing it everywhere in these comments, I checked it out and my mind is blown.

      I consider myself to be an excellent manager of budgets, but some of the concepts in their Rules section alone were enough to make my jaw drop. Amazing ideas – I can’t wait to tell my wife about them :)

  • Dusty

    Why are there no cloud based options? I have been a Quicken user for the past 5 years and was a MS Money customer for 5 years before that. I want a cloud service to replace Quicken so I can access my financial information from any PC. And, no, Mint.com is not a viable solution.

    • Jonathan

      A lot of users have been mentioning YNAB as a solution and after reading it over for the first time in my life, I have to say I’m impressed.

      Same story here, though – I used to be an avid user of Mint (and still am sort of), but I want to move away from it; so it’s no longer an option for me (had to submit *way* too many trouble tickets for things that I wish I could adjust on my own).

      But seriously, check out YNAB and read about their cloud option (which I believe uses Dropbox). They also have iPhone, Android, and Kindle apps that run about $5 each — but their Cloud Sync and ratings for these apps appear to be through the roof.

      The more I read about it, the more I want to buy it… It’s a good feeling, so I hope it works for you: http://www.youneedabudget.com/

    • Jonathan

      Ah… after checking this out more, YNAB is still a good choice, but I’m also seeing that Moneywiz has an industry-leading sync solution integrated into their system.

      The difference: YNAB requires you to press a button to sync (which isn’t so bad because it tells you right next to the button how many items need to be synced up). But in Moneywiz, the syncing is just always running. This could raise an eyebrow, but the good reviews for Moneywiz often mention the sync being one of the best, most reliable features.

      So right now, I’m seeing if anything else can compare with the positive reviews regarding syncing that I keep reading from Monewiz and YNAB (since having an iPhone app that works well is so important to me).

      On a related note, Money and iBank (iPhone apps) appear to have horrible reviews due to glitches in syncing or user data just being wiped when updates come through.

  • http://deuts.net/ deuts

    For me, I’ll trust the good old MS Excel. It’s cross-platform, and I use Accounts iPhone app to record my everyday cash expenses – and import them to my excel worksheet once a week.

  • Alex Chu

    I big fun of simple apps to. For decades used spreadsheet, and then switch to Numeric Notes: http://itunes.apple.com/kz/app/numeric-notes/id464069442?l=ru&ls=1&mt=12

    • gabrielso

      Don’t know about it before. Thanks.

  • Nancy

    I have to agree. I’ve evaluated some of the ones mentioned above and the omission of YNAB is quite glaring. You might not think it is the best of the bunch but to not evaluate it is to do a disservice to your readers.

  • Jessi Hance

    I’ve been using Checkbook for years to track all my accounts and help with my budgeting and taxes. Really love it. Just the right balance of features for me, indeed. It’s rock solid; the developer keeps it up to date.

  • Letty

    I like using MoneyWiz for myself and TuppenceBank for my kids.

  • Joseph

    YNAB! How is it that this was missed???

  • Matt

    I have a feeling this is going to become a trend in the response section. A finance app list is never complete without YNAB. The methods used to spend your money more wisely are unmatched and clumsily attempted by the others on the list. YNAB can take a little longer to get used to since its methods tend to be much different than other budget programs but if given the chance, you just cant go back to anything else.

  • Tpura

    YNAB! Beautiful, easy to use, keeps me accountable. Hopefully the next time this list is compiled YNAB will be at the top.

  • Michael

    Do your homework! YNAB needs to be on your list.

  • Marc

    The question is : will this list be updated now that Ynab has been praised many times in the comments section?

  • http://stefgonzaga.com/ Stef Gonzaga

    Hey, guys. I went on over to check out YNAB and it does look great. Wiill keep the app in mind for the next round-up of finance apps. Thanks! :-)

    • jami

      Hello

  • http://emrah.omuris.com/ Emrah Omuris

    The issue is, I’ve never heard YNAB in my life but I’ve heard most, if not all of the apps mentioned on this article. This makes me think YNAB should spend more time in PR / advertising / social to be on par with their competitors. YNAB looks great though, and since it’s highly praised in the comments here, maybe an editor will do an in-depth review of YNAB (either Mac.AppStorm or Web.AppStorm will do).

  • Michael Berdier

    I’ve given xPence a try, while it doesn’t have the many function of others it’s very simple and clean and has some unique features… http://itunes.apple.com/app/xpence/id526749446?mt=8

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  • Kyle Mochizuki

    Another vote for YNAB (You Need A Budget)! This article missed the mark.YNAB is a game changer. My wife and I have been using YNAB for over a year now (after trying Quicken and MS Money with no avail). YNAB offers such a clear picture of our finances that we have paid off $90k dollars in debt, have cash flowed a bachelors degree AND we are on track to pay off our mortgage by the end of 2013. YNAB’s customer support is unmatched, their training and tutorials are comprehensive and FREE, and their online community is helpful and happening. We are finally in control which is exactly what we were looking for in a personal finance application. THANKS YNAB!

    • Jonathan

      Quote: “…paid off $90k dollars in debt…”

      Whoa – CONGRATULATIONS!!

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  • Caetano

    I’m using iFinance, it’s not yhe most beautiful interface, but have a Portuguese version.
    Financial softwares for people of non-english languages it’s hard to find.
    Why the developers don’t consider the potential in translate your softwares? Here in Brazil, for example, is so difficult to find good financial apps in portuguese! For Windows is worse.
    Thanks iFinance for think in it. And sorry for my english…

    • GAL

      I am also looking for goo financial apps in portuguese (i live in Rio), but can’t find anything…
      In the US i used Mint.com and Pageonce.com – is there anything as simple and good in Brazil??

  • Antonio De Almeida

    I like moneywiz for portuguese language, good and easy to use interface. Disappointed to just be able share Mac with ios in cloud. I’m not comfortable with that. Wifi could be a good idea. Waiting for that choice.

  • Carlos Gonzalez

    I think the best app for personal finance management is Debtinator, I want a computer to calculate if I will have money to pay my car insurance, a vacations next year and all those taxes and so on, so I input that inflow data, all the dates for the expenses, I mean even if the date is 5 years from here, and Debtinator will tell me if I will get money for it!! I mean the app is so good that instead of YNAB, Debtinator calculates the interest rates!!! It warns me if I will have money or not! And that’s what I want! I can calculate to be retired in xx years and how much money will I get, I can input all those interest rates. I can compare the way I can buy a car, comparing two or more credits for example.

  • http://dirsur.com.ar Dirsur

    I like moneywiz for portuguese language, good and easy to use interface. Disappointed to just be able share Mac with ios in cloud

  • KWEnglish

    Really disappointed to learn, only after purchase, that this application can’t import account information from financial institutions. This didn’t appear in the review, and I was counting on reviews to guide my purchase decision. As a new Apple user coming from a PC/Quicken experience, I mistakenly believed that importation of data from financial institutions was at the core of all personal finance programs and apps. At least I’ve learned something…hoping I don’t have trouble with a refund.

    • JenniferF

      THANK YOU! I’m also a new Apple user and have previously ALWAYS been on PC/Quicken and QuickBooks for businesses. I consider the import feature invaluable to staying on top of my balances as it compares what cleared the bank to what I have in my account register and, for any transaction missing in my register, gives me the functionality to enter it on the fly. I also see that most of the Mac apps I’ve been reading about don’t mention that feature. I was working under the assumption that they were not mentioning it because it was considered a standard. It looks like I’m either going to have to do a lot more research or stick with Quicken (albeit the Essentials for Mac version).

    • Diego G

      Hi KWEnglish.
      What app are you referring to?

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  • znavo

    My only problem with YNAB is that I can not import my bank data files even though I went through all of the guidelines found on the website of the YNAB
    The app is really good but the fact that i need need to specify any income / expense makes me spend a lot of time.
    I’d be happy if someone found a solution to the problem as my and share it.

  • George

    I use Fresh Finance and it’s a great alternative to Quicken. It has a lot of features, but the interface is still clean and easy to use. There is also a PC version available. They have a free trial at http://www.fortora.com/

  • jon

    There is some sort way to make the actions automatically?
    Register every dollar you spend is a little disturbing is it?

  • http://www.prominentposition.com.au Troy Degarnham

    I think that the price of iBank is a little too much, when its competitors are all asking half of what it is charging. Comparatively, it is a better product, but the alternatives like iFinance are very close in terms of usefulness and functionality. I believe you do not have to spend so much more just for a slightly better product.

  • Rian/NW

    Okay…I was lost after reading the article because all the apps seemed a bit generic and didn’t really dig into specifics. But after reading the comments, it seems the consensus is for YNAB or Moneywiz. I think auto-importing from my banks is important, as it saves much time and helps find transactions that might have been missed (easy to do when using a joint account with my wife), so Moneywiz seems like the best option. That said, the overwhelming support for YNAB in these comments is undeniable.

    Does anyone have experience with both, and if so, can you offer your feedback so we can make a good decision? Thanks!

  • Guy

    I just downloaded both moneywiz and ynab. I see what the big deal is with ynab, they’re not selling just the product functions but also the concept of how to use the product. However, moneywiz??? I don’t see the difference between it and all the other ones listed here. You can’t even do direct connect with moneywiz. Shit, you can’t even do WEB connnect with moneywiz…

  • multicurrency

    YNAB has one big problem for me – there is no multi currency. it is even not possible to create an account in another currency than usd. of course, developers may say (and they do it on their forum), that it is not trivial task, but if other software have solutions for this, why it is not possible to implement it?.. it would be even enough as a first step to use separate currency accounts even without budgeting at all if it is stumbling block in implementing of this feature… it is very disappointing (and useless for me) because in everything else looks like good choice.

    and another warning for me – is technology – Flex – in simple words, Advanced Abode Flash (and as far as i understood, even without sqlite). everything stores in files… i think it is not the best approach if you need speed (if you have a lots of transactions, and you will have it in year or two)

  • michelle

    thanks for this list – macs used to have crummy financial apps and the only thing i missed about my pc days was quicken – now looks like we have lots of good stuff to choose from – thank you for putting all the work in to make the choices easier!

  • Courtney

    Do any of these apps offer user privilege setups? I’d like to manage our family finances, but don’t need my kids seeing how much we have or all the other financial information I manage. I want to teach them to simply report what they spend (and I’m sure there’s a way they can do it from their iPhones/Androids), and then I can see it all at a glace (from my mac or iPad).

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