Most people realize the importance of managing money soon after they hit their 20s. However, regardless of age, working on personal finances is one of the best things you can do for yourself and your loved ones. Thanks to the advent of several financial software in recent years, managing personal finance has never been more convenient. That said, choosing the right one can be difficult out of the available number of software programs. 

Here, we’ve listed the best financial software for personal use to help you narrow down your options.

Quicken
Quicken is one of the most popular and  top-rated personal finance software out there. Right from creating budgets to tracking debts, Quicken is designed to help users manage various aspects of their financial life. The software is also great for those who are into investing, as it helps one review their investment portfolio and compare markets to make better profitable decisions. Quicken also lets you pay your bills online. In addition to Windows and macOS, the software is in both Android and iOS, allowing users to manage their finances on the go.

Personal Capital
Personal Capital is an excellent financial software for those looking for long-term wealth management. It can connect all your financial accounts in one place, including IRAs, 401ks, mortgages, loans, checking, credit cards, and savings, making it easier to check your net worth and get a holistic view of your finances. One of the best things about personal capital is that it offers many crucial financial management tools for free. Moreover, if your investable assets are worth more than $100,000, you may even qualify for a free initial consultation with an experienced financial advisor.

YNAB
You Need a Budget, better known as YNAB, is more than just a program to calculate your money. The software provides high-quality budgeting education to help users curb overspending and move beyond living paycheck to paycheck. Whether you’re a beginner or an expert on personal finance, YNAB can improve your financial literacy, get you out of debts, and help you save big bucks in the long run. Not sure if YNAB is right for you? Their 34-day free trial can help you decide.

Mint
If you’re looking for a free personal finance software, perhaps there is no better option than Mint. It has been around for over a decade and is packed with virtually everything you need to build a strong, sustainable financial future. The software allows you to easily connect all your accounts to help you see your complete financial picture. It also tracks bills and credit card payments for you, so you never miss a due date. Mint also offers personalized insights to help you save more, spend smarter, and clear your debts.

Honeydue
Planning a financial future becomes one of the major concerns when two people come together. If you’re looking to manage your finances together with your partner, Honeydue might be an excellent choice for both of you. The software gives you an option to mark an account as joint and is loaded with couple-centric features, including sending bill reminders to you or your partner when it’s time to pay. The software also sends instant notifications concerning financial activities and real-time balances and budgets for each partner.

Mvelopes
Those who still prefer to manage their money using envelopes— like people used in the olden days— might like Mvelopes. The program uses digital envelopes to help users manage their budget and cash flow. Mvelopes lets you pull in details of all your financial accounts and track your spending like other financial software on this list. The software is available for desktop and smartphones, including both iOS and Android devices.