Best Mac Software for Personal Money Management | Ranking | Top Budgeting Apps & Personal Finance Software for Mac Users

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RANKING & REVIEWS
TOP RANKING PERSONAL FINANCE SOFTWARE FOR MAC

Intro: Finding the Best Money Management Apps & Budget Software for Mac

Personal money management can be tedious work, especially if you have never tried to manage your own money before.

Luckily, there are plenty of options for money management apps and budget software—but if you aren’t familiar with personal money management tools, how do you know which is the best financial management software to use?

Budget software and financial management software can encompass a wide range of features, and it’s crucial to find a money management app that works within your own unique financial situation.

If you’re a Mac user, it’s equally as important to pinpoint the right Mac accounting software to ensure that your path to personal money management is both effective and stress-free.

Award Emblem: Top 5 Best Financial Software for Mac

Do you want to learn how to create and maintain a budget with the best budget software for Mac? Are you hoping that financial management software can help you save for a wedding, a new car, or a dream vacation? Do you have investments or retirement accounts that could benefit from personal money management?

Whether you have a specific financial goal or are looking for general improvement in your personal money management, the best software for Mac are ready and waiting for you.

In this article, we’ll show you the best accounting software for Mac users to consider using for budgeting, saving, investment management, and overall financial wellness.

We’ll also highlight specific features of each budget software and accounting software for Mac so that you can confidently choose the best Mac software for your own personal money management.

AdvisoryHQ’s List of the Top 5 Best Personal Finance Software for Mac

List is sorted alphabetically (click any of the software names below to go directly to the detailed review section for that personal finance software for Mac):

• Banktivity 6
• Mint
• Personal Capital
• Quicken for Mac
• You Need A Budget

Top 5 Best Personal Finance Software for Mac | Brief Comparison & Ranking

Best Financial Software for Mac	Cost	Highlighted Features	Best For
Banktivity 6	$64.99 30-day free trial	View key financial information at a glance	Wide range of improvements and new features
Mint	Free	Create budgets and pay bills	Creating and managing a budget
Personal Capital	Free	Gain a holistic understanding of your financial health	Investment management and net worth
Quicken for Mac	$74.99	Easily import financial information to TurboTax	Generating a wide range of financial reports
You Need A Budget	$50 per year 34-day free trial	Access dynamic educational tools	Creating and managing a budget

Table: Top 5 Best Mac Software | Above list is sorted alphabetically

When it comes to personal money management, the software and apps meant to help users better manage their money can be incredibly diverse.

Some accounting software for Mac is cloud-based, some must be downloaded to your computer, and some function primarily as money management apps.

No matter whether you choose one of the best Mac accounting software programs or the best budget apps for Mac, the goal is always the same—to organize and display financial information in ways that help users reach their financial goals.

Photo courtesy of: Pexels

A better definition of financial management software may come from looking at the range of purposes that the best financial software for Mac can serve.

Financial management software can encompass a range of different financial goals, including:

• Managing investments
• Planning for retirement
• Creating & maintaining a budget
• Saving for future events or activities
• Organizing & paying bills
• Managing business-related expenses
• Preparing for tax season

Some financial software for Mac are equipped to handle a variety of personal money management needs, whereas other Mac accounting software programs are best when used solely for one purpose.

Additionally, many accounting software for Mac and budget apps for Mac are one and the same.

With an ever-increasing demand for on-the-go personal money management, the best Mac software for personal finances will, in most cases, have the best money management app to go along with it.

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What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top-rated lists?

Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top-rated credit cards, financial accounts, firms, products, and services.

Detailed Review – Top Ranking Best Personal Finance Software for Mac

Below, please find a detailed review of each software on our list of best Mac software for personal money management. We have highlighted some of the factors that allowed each financial software for Mac to score so high in our selection ranking.

See Also: Top Stock Portfolio Management Websites and Apps

Banktivity 6 Review

The goals of this accounting software for Mac are simple, effective, and personable—to help families and individuals excel at personal money management by managing paychecks, creating budgets, paying bills, and planning for the future.

As an accounting software for Mac devices inspired and created by actual users, Banktivity 6 is a popular and effective personal finance software for Mac.

Key Factors That Led to Our Ranking of This as a Best Personal Finance Software for Mac

Below, please find a detailed list of the features which led to our selection of Banktivity 6 on this list of the best Mac software for personal money management.

Device Compatibility

Banktivity 6 comes with plenty of budget apps for Mac users to choose from, making it a convenient personal finance software for Mac.

This top budget software for Mac includes apps for iPhone, iPad, and Safari, meaning that Mac users can confidently use Banktivity 6 across a variety of Apple devices.

Affordable Budget Software for Mac

Although widely considered a top accounting software for Mac, Banktivity 6 does come at a higher price tag than competing personal finance software for Mac devices.

Banktivity 6 is currently available for $64.99, which covers users until the next full unit upgrade. Banktivity 6 users will need to purchase a new version of accounting software for Mac when Banktivity 7 is released.

Additionally, using Direct Access to connect all your accounts—a quicker and more efficient method—will cost an additional fee ranging from $4.99-$39.99, depending on the subscription length.

While this accounting software for Mac may be a little pricier than others, it’s worth noting that Banktivity 6 does offer a 30-day free trial to help you determine whether paying more for this Mac accounting software is worth it for your personal money management.

Photo courtesy of: IGG Software

Built-In Bill Pay

As a best financial software for Mac, Banktivity 6 offers users the convenience of paying bills directly from the app.

Once a payee has been entered, this personal finance software for Mac will securely store information to make future bill payments quick and efficient.

Along with the convenience of paying bills within the app, Banktivity 6 is one of the best Mac software programs for users who need help remembering when each bill is due since scheduled payments and bills are all integrated in the same place.

New Features

Banktivity 6 comes with a host of new features, improving its ability to help users attain personal money management and making it stand out as one of the best Mac software programs on the market.

New features included within this accounting software for Mac include:

• Search for individual accounts and filter transactions by date or cleared status
• Generate reports to analyze capital gains, security income, portfolio diversity, & return on investment
• View the current market value of your portfolio & investment activity details
• Compare date ranges side-by-side to juxtapose spending trends
• Organize reports into customized folders
• Create more flexible categories by adding tags
• Use workspaces to view multiple sets of financial data side-by-side

Don’t Miss: Top Budgeting Apps for iPhone | Ranking | Best Finance Apps for iPhone

Mint Review

Mint is a simple and convenient money management app that lets users create budgets, categorize their spending, pay bills, and gain control over the health of their finances.

After being acquired by Intuit for $170 million, Mint is now in the company of leading financial management software like Quicken, QuickBooks, and TurboTax.

As an advanced, efficient, and free budget software, Mint is widely considered to be one of the best Mac software options on the market today.

Key Factors that Led to Our Ranking of This as a Best Personal Finance Software for Mac

Below, please find a detailed list of the features which led to our selection of Mint on this list of the best Mac software for personal money management.

Free Budget Software

High prices are often an issue for new users hoping to try out budget software, but in the case of Mint pricing isn’t an issue.

This best accounting software for Mac is available completely free of charge. Users can download the Mint app on iTunes for free, as well as log in to the desktop version.

For users looking for the best software for Mac—that won’t cost an arm and a leg—Mint is a great place to start.

Easy Sign-Up Process

The sign-up process for Mint’s accounting software for Mac is straightforward and efficient.

After creating an account with your email and password, you’ll be prompted to connect various financial accounts, like credit cards and bank accounts.

Setting up the Mint accounting software for Mac is simple, since the Mint budget software automatically collects your financial information from each account.

From there, you can start exploring and using the different features within this best Mac software, including bill analysis, suggested budgets, savings goals, investment opportunities, and spending trends.

Photo courtesy of: iTunes

Purchase Categorization

A large part of successful personal money management comes from knowing exactly where your money is going each month.

The Mint money management app tackles this by automatically categorizing each transaction, with hundreds of different categories to choose from, like Alcohol & Bars, Shopping, Groceries, Pharmacy, Food & Dining, and Fast Food.

These categories are used to identify spending trends and pinpoint areas for improvement. Mint’s financial management software will then suggest a budget, which can be customized to fit your unique financial goals.

Mint Bills

As one of the best budget apps for Mac, Mint goes beyond simple budgeting to support effective personal money management.

Mint Bills helps maintain good financial health by allowing users to keep track of and pay bills directly through the Mint app.

For those who have difficulty remembering when bills are due, Mint is the best money management app to consider, since this financial management software can send due date reminders via push notification or email.

Related: Best Client Management Software Tools | Ranking & Review

Personal Capital Review

This expert financial software for Mac is available free of charge to anyone who wants to improve their budgeting, investment management, and overall financial wellness.

Founded in 2009, Personal Capital’s financial software for Mac seeks to make personal money management accessible, straightforward, and efficient.

Key Factors That Led to Our Ranking of This as a Best Personal Finance Software for Mac

Below, please find a detailed list of the features which led to our selection of Personal Capital on this list of the best Mac software for personal money management.

Free Financial Management Software

For users looking for affordable financial management software, Personal Capital is the perfect fit—all financial tools within the money management app are available completely free of charge.

These free financial tools include personal budget software, investment monitoring, and even retirement planning.

Although the vast majority of Personal Capital’s financial management software is free, there is one exception: for those who choose investment management services through Personal Capital, there is a low annual management fee.

Retirement Planner

Whether you’re looking for budget software or investment advice, one of the key components of successful personal money management is planning for the future.

Personal Capital’s Retirement Planner will take your current spending patterns and assess how ready you are for retirement.

The accounting software for Mac also lets users input potential changes to their retirement plan to see how their budget will be affected, like moving, getting married, having a child, purchasing a home, and projected Social Security benefits.

For users that want to stay updated on the future implications of their budget and investments, Personal Capital is the best accounting software for Mac to consider.

Know Your Net Worth

As a best financial software for Mac users to consider, Personal Capital goes above and beyond simple budgeting. This accounting software for Mac strives to provide users with a complete overview of their financial wellness, represented by their net worth.

Easily accessible through the Personal Capital dashboard, total net worth includes an array of assets and liabilities, including:

• Cash
• IRAs
• 401k accounts
• Bonds
• Stocks
• Real estate
• Valuables
• Jewelry
• Credit card debt
• Mortgages
• Student loans
• Car loans

Having access to a consolidated view of your net worth can help you see patterns over time and make positive adjustments to your spending, saving, and investment habits.

Registered Financial Advisors

For investors, Personal Capital is a best Mac software to consider.

For an annual fee, this accounting software for Mac can be used to actively manage investments through a combination of expert financial tools and registered financial advisory services.

Registered advisory services through Personal Capital’s financial management software come with the following benefits:

• Low, all-in-one management fee
• Full access to online tools
• Personalized investment advice
• Holistic financial planning
• Tax loss harvesting
• Optimized risk & return

Popular Article: Best Financial Planning Software for Advisors | Review & Ranking

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Quicken Review

Quicken has been a leader in business and personal money management since 1982, providing budget software and financial management software for a wide range of individuals and business owners.

For decades, Quicken’s personal finance software for Mac has been considered a staple of financial management software, including one of the best Mac software programs on the market today.

Key Factors That Led to Our Ranking of This as a Best Personal Finance Software for Mac

Below, please find a detailed list of the features which led to our selection of Quicken for Mac on this list of the best Mac software for personal money management.

Security & Safety

Quicken is committed to keeping personal information safe and secure, maintaining the highest levels of encryption.

All personal financial data transmitted within their personal finance software for Mac is protected by 256-bit encryption, matching security standards of major banks.

As an additional safety precaution, users have the option to password protect Quicken data files.

With enhanced security measures in place, Quicken is the best accounting software for Mac users with concerns about keeping their financial information safe.

New Features

Quicken for Mac comes with a host of new updates and additional features, including:

• New, easier to navigate interface
• Pay bills with Quicken Bill Pay
• Easy conversion from Quicken for Windows
• Customizable reports to compare income and spending from previous years
• Investment tracking, offline use, and enhanced search options in the Quicken app

Robust Reporting

One reason why Quicken has remained an established accounting software for Mac stems from their robust reporting tools.

Users can generate a wide range of reports, including category, tag, payee, spending over time, net worth, and account summaries.

These reports can help users gain valuable insight into the state of their personal money management, making Quicken a top personal finance software for Mac users.

Photo courtesy of: Quicken

Read More: Best Financial Planning Software for Individuals (Ranking)

You Need A Budget Review

Founded in 2004, this accounting software for Mac users was created to help users improve their personal money management through learning better budgeting skills.

On average, YNAB helps users save $600 by their second month and more than $6,000 by their first year, making YNAB one of the best budget apps for Mac users to consider.

Key Factors that Led to Our Ranking of This as a Best Personal Finance Software for Mac

Below, please find a detailed list of the features which led to our selection of YNAB on this list of the best Mac software for personal money management.

Device Compatibility

Although the YNAB budget software is available for both iOS and Android, this Mac accounting software offers a wide array of budget apps for Mac users.

YNAB is available for use on iPhone, iPad, and Apple Watch, making it one of the most convenient budget apps for Mac devices.

Affordable Personal Finance Software for Mac

This budget software for Mac aims to make personal money management accessible for everyone, resulting in a simple and affordable pricing structure.

The YNAB money management app can be used for an annual $50 subscription fee, including a free 34-day trial. If users are unsatisfied with this financial software, YNAB also has a 100 percent satisfaction guarantee which promises a full refund with no questions asked.

Students interested in budget software may find that YNAB is the most affordable and best personal finance software for Mac—the first year is free for all students, with a 10 percent discount for the following year.

Photo courtesy of: YNAB

User Support & Financial Education

Part of what makes YNAB a best accounting software for Mac is their dedication to providing a wide range of supplemental material for efficient personal money management.

To help users make the most of their accounting software for Mac, YNAB provides an ongoing collection of free online workshops focused on best budgeting practices.

YNAB also provides a wide range of user support resources, including webinars, newsletters, podcasts, videos, and detailed guides, making YNAB the best software for Mac users that want to learn expert methods of budgeting and money management.

Simple & Effective Budgeting

As a best money management app, YNAB uses a core set of rules to create simple and effective budgeting software. These rules include:

• Give Every Dollar A Job—Spend with purpose and confidence by prioritizing your income
• Embrace Your True Expenses—Make large bills more manageable by planning ahead
• Roll With The Punches—Avoid stress by being flexible
• Age Your Money—Only spend money that is at least 30 days old

Following these four rules lays a strong foundation for effective personal money management, solidifying YNAB as a top budget software for Mac users.

Related: Best Personal Accounting Software for Home Use

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Conclusion: Which Personal Finance Software for Mac is Right for You?

The best financial software for Mac makes personal money management accessible, efficient, and in some cases, even engaging.

Although each Mac accounting software program on this list represents the best Mac software available, it’s important to remember that each has its own unique strengths and focus.

Keep in mind that choosing your personal best accounting software for Mac relies on understanding your unique financial situation, savings goals, budgeting challenges, and preferences when using Mac accounting software.

No matter what personal finance software you choose, using one of the best Mac software is an excellent place to start making steps towards a more productive, organized, and efficient financial life.