Whether you have a lot or a little, everyone needs to manage their money. Like so many areas of life, you can do things entirely by hand, or you can turn to software to make your life easier. There's a wealth – if you'll pardon the pun – of personal finance tools out there, but many of them involve having to put your hand into your pocket, dig deep and part with some hard-earned cash. You could, of course, pay an accountant to take care of your money for you, but this involves and outlay that you might well prefer to avoid. Take a look through the selection of free tools we've collected together, and you should find something that suits your personal finance needs, making it easier to keep track of your money.

This free personal finance software could hopefully save you some money too or, at the very least, see where you're currently spending it. Cross-platform is simple enough to be used for home finances, but flexible enough to be put to use by small businesses as well. While the software is easy to use, the fact that it's suitable for small business accounting is thanks to the inclusion of a number of extra features that you would not necessarily expect to find – support for payroll management and double-entry accounting, for instance. Although relatively easy to use, this free personal finance software does really require some familiarity with accounting software, and it's simple to migrate from another program because you can import data in QIF and dOFX formats. How to insert plug in for endnote in word mac free. Support for expense tracking makes this ideal software for preparing for tax season, and there are a huge number of reporting options to help you to make sense of your cashflow.

The software is available for macOS, Windows and Linux, as well as Android, and it's highly recommended that you try out this great tool before you consider any of the paid-for alternatives. Requires Java Proving that free personal finance software doesn’t have to be complicated, Buddi keeps things about as simple as they can be. In a matter of minutes, you can set up all of the accounts you need and start keeping track of your incomings and outgoings. Money can be easily pulled from and moved between different accounts, and Buddi can generate all sort of reports about your spending and earnings broken down in a variety of ways. If you're looking to save money, the program can help you to stick to a budget and for anyone who is completely new to the concept of accounting, the Buddi website has a number of helpful guides to help get you started. On the downside, Buddi requires you to have Java installed which is not going to be to everyone's liking, and the software itself has not been updated for a little while.

Neither of these two factors are enough to stop us from recommending that you take a look at the program – it could well be just what you've been looking for. AceMoney Lite. Doesn't link to online accounts Billing itself as an alternative to Quicken sets a high bar for, but it's a target it manages to reach, even in its free, cut-down iteration. There's only support for two accounts in AceMoney Lite, but this should be enough for many people – and the full edition of the program is only $40 (around £30, AU$50) anyway. You can even use the program to keep track of your PayPal account. Managing accounts in different currencies is no problem, but you'll have to enter data into this free personal finance software rather than having your transactions pulled in from your bank account.