Best Personal Finance Software For Mac 2025: Alternatives To Quicken Free & Paid

RichOrPoor is household accounting software distributed by Shortcutsoft, Inc. Intuit also offers QuickBooks Desktop for users who prefer to store all of their business information on a PC. This lessens the time needed to learn the software so you can get back to running your business. Thus, we’d be remiss to skip over one of the most powerful and well-rounded business accounting tools around. However, flush with the success of Quicken and its dominance within the personal financial management market in 1997, Intuit wasn’t content to stop there.

If you’re always on the go or need team collaboration features, this might not be ideal. Unlike many SaaS platforms that require monthly fees, Quicken still offers a yearly subscription model with full desktop access. This is wonderful to all people who want to control personal finances using one window. Quicken has been upbeat when it comes to budgeting, goal setting, and an everyday track record of income and expenditures.

You won’t find project or time-tracking tools, advanced analytics or automated workflows—for those, you’ll need to integrate other apps. NetSuite competes more with enterprise resource planning (ERP) tools, so it’s more suited for large businesses that can make use of all of its features. Freelancers and solo-operated businesses need accounting software, but maybe not as robust as QuickBooks—that’s where FreshBooks makes sense. Nonprofit accounting software should support donor management (through a CRM) and fund accounting (through categorizing and tagging income and expenses) and let you create custom financial reports.

The Importance Of A Budget Tracker

QuickBooks, unlike its sister program Quicken, features only three versions of the software. It is multifaceted, robust, and leaves no stone unturned in helping business owners address their accounting needs. These days, we understand that not all businesses are run from a warehouse, office space or storefront in the center of town. Instead, it launched QuickBooks soon thereafter, tooling the software toward small- to medium-sized business owners. This allows the software to update your account information every time you log onto your Quicken program.

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For instance, you can track company expenses related to a specific employee, customize the report, and print it accordingly. Furthermore, you can print reports based on specific criteria that you specify. Small business owners are able to print liability reports, assets, company best accounting software for quicken budgets, and more.

Product Description

This is why we created the list of the top 5 best personal accounting software for home use. The vast majority of personal accounting software programs out there can’t help you transcend what you’re able to do by yourself at your desk. However, while these may sound rudimentary and ineffective for modern consumers, the truth is that many personal accounting software programs don’t offer much more. No matter how big or small your business is, good accounting software will help you flourish. Check out our list of Quicken alternatives for a variety of personal and business finance management tools. But for small business owners who don’t want to pay for accounting software, this is a fantastic option.

Many users favor its availability across platforms like Windows, Linux and Mac and its capacity to manage multiple businesses. Manager is frequently praised for being a robust, free accounting software solution. The reporting tools are solid too, with all the core financial statements and detailed summaries you’d expect from paid software.

A plan that only lets you send a few invoices each month or connect with a single bank account can end up costing you more time than it saves. Small business owners generally have a thousand tasks on their plate at any given time. A strong free plan should handle core bookkeeping tasks like tracking income and expenses, sending invoices and generating basic reports without restrictive limitations.

Our experts especially appreciate NetSuite’s built-in bill-pay reminders and its “invoice capture” feature, which lets you drag invoices into NetSuite to automatically read and record bills. A dated interface and broad functionality give the software a long learning curve to get started. Most organizations will need at least the Plus plan at $38 per month for access to double-entry accounting, bank reconciliation, accountant access and more. Like Premier, Classic Business & Personal scans your transactions to create a budget based on your actual income and expenses, then lets you tailor it to your lifestyle and priorities. “What-if” tools let you compare options to see your best plan, whether that’s paying off small balances first or attacking high-interest loans. Yes, even if income or expenses are from the same account, Classic Business & Personal tracks them separately.

👤 Who It’s Aimed At

It’s missing integrated payroll outside Gusto, and the two-user limit on its entry plan feels restrictive, but the invoicing tools work the way you expect them to. Many users feel unheard as essential functionalities have been removed and price increases have added to the frustration. However, there is significant dissatisfaction with recent changes, particularly to its invoicing system, described as inferior, cumbersome and time-consuming. It offers seamless bank reconciliation and strong customer support, with many praising its efficiency and ability to handle multi-currency operations. It tracks depreciation, adjusts inventory balances and supports purchase orders, which are all useful if you manage rentals or property maintenance internally. Bank rules learn recurring transactions, applying them automatically to receipts, transfers or rent payments.

Is QuickBooks worth it for a small business?

Many appreciate its user-friendly interface, affordability and effectiveness in invoicing, payment acceptance and accounts receivable/payable. Each invoice connects to its related transactions, so payments, credits and balances stay aligned without manual tracking. The interface feels dated and the lack of live support slows troubleshooting, but for low-volume landlords or small real estate firms, it’s a cost-effective, reliable option. The mobile app, in particular, is criticized for frequent crashes, lack of essential features and a cumbersome login process. However, many users express dissatisfaction with recurring bugs, poor customer support and expensive pricing for additional users and features. Sage Business Cloud Accounting and its mobile app receive mixed feedback from users.

• Always know what’s left based on actual spending (not just what’s budgeted)
• What if you find the personal accounting software that meets all of your needs and more?
• Its modern app works on PC, Android, Mac, and iOS, so you can easily access your account wherever you are.
• It’s especially appealing to those that like to stick to Apple devices who don’t need the complexity of Quicken or Banktivity.

Credit Karma

Some accounting software can also help track mileage or offer payroll. Accounting software is a way for businesses to track income and expenses, send invoices, track sales tax and create reports. Focus on software that handles everyday tasks reliably so you can track money in and money out and stay organized at tax time. Some users appreciate the free option, finding it an interesting choice for exploring the software without upfront costs.

• All Zoho Books plans, including the free version, support automated bank reconciliation that identifies and matches transactions from your bank statements to your accounting records.
• Users appreciate its features for personal finance and small businesses, especially given its cost-free nature.
• Exact tools you need to measure self-employment success, without the confusing extras you don’t.
• The firm specializes in blending industry-leading technology with top-tier financial advice and free personal accounting software online.
• Most organizations will need at least the Plus plan at $38 per month for access to double-entry accounting, bank reconciliation, accountant access and more.

Empower (formerly Personal Capital)

Striven is generally well-regarded as an all-in-one business management solution that integrates functions like accounting, CRM, project management, HR and inventory within a single platform. It’s not built for teams that need advanced customization or detailed project tracking, but for small real estate firms managing client and vendor data together, it performs well. Compared to cloud-based options, it feels old-school in layout and speed, but its breadth of financial controls remains unmatched in traditional accounting. Overall, while Zoho Books is a viable choice for many small to medium businesses, experiences can vary significantly based on specific needs and expectations. In minutes, you can build out a small portfolio and use item tracking to log maintenance materials, appliances and supplies across several units. While FreshBooks is valued for its convenience and helpful features, potential users might weigh these strengths against the reported limitations and costs.

Otherwise, your use of its financial accounting software costs nothing more than your time. It is an online fiduciary financial advisor offering a host of money management and personal accounting tools free to anyone who needs them. Join 2 million+ businesses using Xero accounting software. Many apps here offer stronger investment tools than Quicken for tracking stocks, retirement accounts, loans, and more. It offers calendar-based bill planning, real-time alerts, and support for syncing accounts and bank data (with a Gold subscription).

In Personal Capital’s opinion, this is the truest measurement of your financial health. Personal Capital believes it is your net worth – what you own minus what you owe – that is the most important number regarding your financials. Practice sound password management on your end, and the entirety of your information will be further secured. It knows if its financial info was being transmitted across the web, it would want multiple layers of protection surrounding it. You won’t be downloading software directly to your computer.

It offers a pleasant and easy-to-use interface, with a nonprofit-specific dashboard that lets you see at a glance program efficiency, fundraising expenses and more. Portals are free for up to 100 users, and you’ll pay $99 per month for up to 500 users and $499 for unlimited users. Users report problems with software reliability and updates, which often introduce new issues rather than improving functionality. It doesn’t offer an ongoing discount for nonprofit orgs, but you can get a one-year subscription to QuickBooks Online Plus (not including payroll) for an $80 one-time fee through TechSoup. One detail we found disappointing was that you have to pay an extra $10 per month to have access to phone support—though introductory support is available for all new customers for your first 30 days. Some users commend its ability to streamline operations, automate workflows, and provide comprehensive reports, making it a solid alternative to competitors like QuickBooks.

For anyone balancing showings, contractors and tenants, FreshBooks keeps the accounting side of business painless. We liked the “invoice capture” tool that reads and records bills automatically, which saves time on data entry. We use product data, strategic methodologies and expert insights to inform all of our content to guide you in making the best decisions for your business journey. Between commissions, escrow funds and expense tracking, accuracy matters just as much as speed. You can also find software for bill paying and managing recurring expenses.

You can now get real-time quotes (unique to Quicken), but you have to keep refreshing them manually. The Quicken mobile app displays only a simple holdings page with quotes and a Watch List. Most of the investing tools are only available in the desktop version, though. Both Mint and Rocket Money have an optional feature where you ask the app to negotiate your bills for you and try to get your payments down, but I have not been able to test it. You can record your bills in Mint, but not pay them through the app.