Microsoft Money Deluxe helps you stay on top of credit and debt while keeping daily finances simple. From balancing your checkbook to raising your credit score, Money 2007 Deluxe can help you get — and stay — organized. Money automatically consolidates all of your accounts in one place and provides all the time saving features and benefits of Money 2007 Standard plus tools to help you organize your taxes and help reduce debt.

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Money Manager is an easy to use software to manage your personal finances. You can keep track of multiple accounts, manage recurring or upcoming bills and payees, reconcile with your bank statement and more.

The program supports checking accounts, savings and credit card accounts, as well as Fixed Deposit and Portfolio accounts. The Outlook-style interface provides an overview for all your accounts and total balance. You can transfer money between account, create custom categories to organize your income/expenses and more. Money Manager provides just the right amount of features to make it convenient, yet simple to manage multiple accounts.

Money Manager includes all the basic features that 90% of users would want to see in a personal finance application. Of course, it is not meant to compete with the 800 pound guerillas Microsoft Money and Intuit's Quicken, rather concentrating on simplicity and user-friendliness - something one can use everyday.

Download Money Manager 2.3.3.0 in Softonic

Personal Finances enables you to exhaustively control your savings and expenses. Being a bit more careful about your bank accounts and credit cards, you'll be able to save money more easily.

The program displays a list with all the transactions registered in your accounts, either as expense or as income. They can be organized by categories, which comes in pretty handy to control the amount of money spent on certain areas. However, the list would be more comfortable to review with a revamped design, like assigning different colors to different categories.

Personal Finances has some interesting features such as support for multiple accounts and also different currencies. On the downside, I missed the possibility to backup the transaction list or at least export it to another format.

With Pesonal Finances you'll have a better control over the way your money is managed, by tracking incomes and expenses more carefully.

Download Personal Finances Lite 2.7 in Softonic

eToro is not a bullfighting game, although this is the impression you get from its name. In fact, it's a game about trading foreign currencies and making money out of it.

You can play eToro just for fun or for real money. In both cases, transaction values are authentic and obtained live from stock markets. However, we strongly recommend you to practice a little bit before putting your money into any real risk.

The game looks really complicated at first sight, but fortunately it includes a complete Help area with highly detailed tutorials. I particularly like having an embedded chat client to hang out with other traders while you wait for the right moment to buy or sell.

eToro enables you to learn the basics of Forex trading and make some real money.

Download eToro 1.3 in Softonic

Controlling the amount of spending or outgoings from your household can be a full time job, especially if you have a large family.

That's why iMoney is an interesting application (despite to geeky sounding Apple name) which can help even those who are bad with money to control what's going in and out of their accounts and what they're spending and where. Everything is done for you so all you have to do is enter data such as your income, expenses and then the program automatically shows you where most of your money is going. In this way, you can easily identify areas where you need to tighten your belt or perhaps be careful with what you're spending.

The program generally monitors most kind of spending from bills to direct debits although you can create special fields for unusual costs and expenses. Ultimately, the pie charts and graphs are very useful in helping you manage your money. You can even track and analyse the performance of your investments and how they relate to your household spending.

For anyone who finds they've always got more going out than coming in but can't work out why, iMoney is an ideal tool for the non accountants out there.

Download iMoney Lite 1.30 in Softonic

Excel Invoice Template, a billing software & invoice software based on Excel, provides a Fill In The Blank invoice form and is capable of creating and calculating invoices. The template shows quantity, description, unit price, taxable status, and amount per line. Sub-total, tax and total amount are computed from the line items automatically.

Download Excel Invoice Template 1.1 in Softonic

I've never dabbled in the financial markets although if I did, I'd probably use something like QuoteTracker to keep track of the latest stock market fluctuations and movements.

QuoteTracker links into various datafeeds, brokers and financial sites to provide you with real-time quotes, live intraday charts and quotes according to what stocks you need to track. If you're brave enough, you can even upgrade to allow a professional trader to use your stocks using the QuoteTracker interface. The program can be used to track most kind of stocks - from securities to stocks, options, indices, futures, FOREX/currencies, bonds and more. Be warned however - if you don't have any idea about stocks and shares then this is a hugely complicated program. The main interface is simply a mess of numbers and graphs that won't really mean anything to you unless you have some experience of the stock market. In which case, be very careful before upgrading and allowing a real broker to deal with your money. If the developers had actually provided more user info and instructions as how to use the program and understand stock markets, it would have been a lot more useful.

If you know what the stock markets are all about, and are not intimidated by huge numbers of rapidly changing figures and graphs, then you may find some use for QuoteTracker.

Download Medved QuoteTracker 3.9.1 in Softonic

Finance Explorer is a simple program for those that want to take control of their own domestic accounting.

It's ideal for small businesses or freelancers and best of all, it's totally free. It can even handle stock updates directly from the web so you can use it as a budget tracker and investment tool too. There's an online tutorial to get you going which is very useful to start with. This is a program with no bells and whistles attached - it's very straightforward following Windows Explorer style. It's been designed to make accounting as easy as possible which means it can even download transaction from your bank directly although I would neither trust it doing this or could work out exactly how this could be done. The program is useful for it's categorisation of spending too so you can see exactly where your money is going every week. This includes credit spending, loans, debts, debit accounts, shares, savings accounts etc. If you're a fan of MS Money, the program can also export accounting sheets and files to OFX format so it can be used inside MS Money too.

Nothing fancy but for those that have been thinking it's time to get a grip on their spending, they could do a lot worse than Finance Explorer.

Download Finance Explorer 3.1.3 in Softonic

Small business and contract workers have accounting needs too. That’s why Dynacom offers a free Startup edition of its accounting software that includes all the accounting basics you need to manage your business efficiently: purchasing, sales, general ledger, bank, and even payroll. To make a great offer even better, it comes with no time or transaction limitation or annoying publicity!

Each function is complete and professional, not a "lite" version of the real thing, so when you're ready to move up to our more advanced editions, you won’t have to start over from scratch!

Download Dynacom Accounting Startup Edition 10.0 in Softonic

If like me you are useless with figures and you have little or no financial background, then Buddi is a breath of fresh air.

It's aimed at making accounting as simple as possible by cutting out the jargon and complexities and making the process accessible to people from all walks of life. Best of all, it's completely free and open to modification as it's completely open source. It also works across platforms because it's based completely on Java. Obviously, if you're dealing with sensitive financial data then one major concern is security. The god news is that Buddi allows you to encrypt your accounting sheets but the bad news is that if you lose your password, there's no way of recovering it because there are no backdoors to the encryption according to the developer. While the graphics and interface are not exactly spectacular, the program does present everything very simply and in an easy to interpret way. It also allows you to export data although the number of formats it can do this in are pretty limited. There have also been reports by some users that sometimes, files become "corrupted" or inaccessible although the developer.

For anyone who doesn't want to splash-out on expensive accounting software or are plain scared of accounting, this is a great program.

Download Buddi 3.0.0.7 in Softonic

What I like about this program is that it's really useful in that it keeps your accounts in check but at the same time, elegant and easy to use.

This is a simple application designed to manage accounting over a broad range of areas without going into details or complicated economic concepts. The program is intuitive and incredibly easy to use and only requires Java to run. However, the over zealous use of Java means that sometimes it runs slow but it's no major headache. You can manage balances, generate reports, create and save complex filters and create charts and graphics for assets, liabilities, daily net worth tracking. You can even use it to store and track stock prices and quotes and it also includes a simple address book to store contacts, email and phone numbers.

A lovely little program that will do wonders for your finances.

Download Personal Finance Manager 1.0.19 in Softonic

Customize your invoice templates from top to bottom, print your invoices quickly, and e-mail copies of them in PDF or JPEG. You will also be able to send any report by e-mail in HTML or to control your points of sale with this invoicing system. This program is useful for individuals as well as for small businesses. Volutive includes items, customers, vendors, invoices, delivery notes, quotes, purchase orders, and receipts. Both sales tax names and the way they are worked out can be customized for non-US users (with special attention to Canadian taxes).

Download Volutive 1 in Softonic

It’s easy to get overwhelmed by your personal finances, so finding a program that will ease your life is crucial. Gribi is a free tool, built under General Public License, which aims to make home accounting a no hassle, efficient operation.

The first time you open up Grisbi you might be surprised to have a blank program page pop up. That’s only because you have to click on the Accounts button and create a new entry. Grisbi stays simple and offers you a choice of bank, liabilities, cash, and assets accounts to start off from. Thanks to a large range of pre-established categories you won’t waste time entering all your expenses. If you don’t find a particular description in the list you can also add it very easily. What we liked about Grisbi is that you can clone an entry and more importantly you can use it as a template for others, making the whole process a real no brainer. You should also consider creating scheduled transactions, so that they sit in the inbuilt calendar and can warn you when the day to pay has come. If you want a quick overview of your financial health just snap up a report from the seven different templates available.

Grisbi may be free, but don’t forget that it is still in Beta, and can suffer occasional crashes. You should consider saving your entries regularly and avoid using Grisbi when many other applications are open. Grisbi is certainly not a heavyweight finance manager like Microsoft Money, so don’t expect astonishing graphics, projected statistics, graphs or pie charts.

Grisbi is just what the developer declares: a personal finance manager for all. It’s accessible, well structured and simplifies the way you’ll handle your own cash.

Download Grisbi 0.5.9 in Softonic

Month Limit will show you a forecast for the month's expenses and the spending rate recommended. To do it, it uses your data and also automatically determines the current day and the number of days in the current month.

After you create a record in the table, you will only have to specify data for the current day. It is quite easy to do it. Double-click the corresponding record in the table, type the new value and press Enter. You do not have to select this field, the current value is automatically selected in the dialog box and the new value replaces the old one when you start entering it.

Download Month Limit 1.2 in Softonic

Make money no matter which way the market goes! Aimotionless Investment Manager offers crystal clear buy, sell and hold recommendations and allows you to back test any stock to any date to assess the algorithm.

Aimotionless Investment Manager uses the same algorithms which are found in Robert Lichello's best-selling book on automatic investment management:" How To Make $1,000,000 In The Stock Market - Automatically " first published in 1977 (Signet Books #451-AE7453, ISBN 0-451-17453-4). This is the same Million-copy best seller that's been in constant publication since the 1970s and is currently in its fourth edition.

The book does not teach you how to predict the market. No one in the World has been able to yet! However, it does tell you of a unique money management algorithm that makes money regardless of which way the market goes. Up or Down! Bull or Bear!

This software works with all US and European exchanges given on http://finance.yahoo.com/exchanges

Download Aimotionless Investment Manager 2.5 in Softonic

Want instant access to exchange rates from all over the world? This simple utility does the job for you, giving you access to information about the current exchange rates between practically every currency in the world. This makes it ideal for travelling or exchanging money between different countries.

The program is very intuitive, you simply choose the date of exchange, then click the flag representing the language of your choice (Spanish, English, French, German, Iitalian or Portuguese). Then just choose the source and target currency and the amount to convert, and the result will be displayed automatically.

Download Divisas 2.0.2 in Softonic

Writing out invoices is perhaps one of the most dull and time-consuming aspects of running a business. This free invoice software allows you to write as many invoices as you like without spending any money on it.

You can use the program to print as many free invoices as you like. The free licence allows you to install the program on as many computers as you like, use it as long as you want with no limits of any kind.

Download AB Invoicing 4.9 in Softonic

Use the retirement Forecaster to help you have an excellent retirement. Plan your retirement spending to make sure your wealth provides for your desired life style, and for your heirs. Forecaster takes your assumptions about earnings, inflation and taxes along with your present financial situation and calculates year-by-year changes to your net worth and living expenses. You can see the yearly cash flow projections for your retirement years, and see your estate plan results. A Monte Carlo simulation capability lets you specify standard deviations for ROI and COLA to calculate the probability of reaching your goal for the final total estate value.

Forecaster lets you work with many different forecasts, and save them in different files. You can try different "what-if" scenarios to find the retirement plan that is best for you. Financial planners, investment firm representatives, and registered representatives of brokerage firms can create and maintain forecasts for their clients. These forecasts can be used as additional material for client meetings, as references for planning sessions, and as printed documentation to send to clients.

Download Forecaster 2.0.62 in Softonic

Do you live from payday to payday? Do you run out of money to pay your monthly bills? When the insurance bill comes once a year, do you wonder where you will find the money? If you answered "Yes" to any of these questions, you need to download Budget, which will help you set up and live by a budget based on the tried and true "Envelope" model.

Budget allocate money in advance to insure you have funds to pay your bills. You may write checks, make deposits, enter pays, and balance your checkbook. You can see at a glance how much money you have in budget, savings, or investment accounts. You can transfer money between envelopes using simple drag and drop.

The powerful search capabilities allow you to find any transaction easily. The program will print on existing checks using most ink jet printers, it can even print your signature. The program has extensive documentation under the Help menu.

Download Budget 4.2.2 in Softonic

Simple Money Keeper 2007 helps people easily manage all personal finance-related tasks, such as balancing the checkbook, keeping track of credit cards, managing bills and recurring deposits, keeping track of loans and loan payments, keeping track of a budget and day-to-day expenses, and generating reports to see where the money is going.

Simple Money Keeper's straight-forward user interface has an easy learning curve, and you will be up and running in a matter of minutes. Try Simple Money Keeper 2007 today, and enjoy the benefits of managing your personal finances on the computer.

Features:

• Easily balance your checkbook on the computer
• Keep track of credit card charges, payments and balances
• Manage your recurring bills and deposits so you won't forget them
• Keep track of loans and loan payments
• Set a budget and compare your actual spending with your target spending
• Keep track of day-to-day expenditures to better manage your money
• Generate reports to see where your money is going
• Import transactions from your online banking service
• Easy setup and learning curve

Download Simple Money Keeper 2007 2.0.0 in Softonic