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Best personal finance software

Find out how we test personal finance software and discover which packages are the best at helping you manage your money. 

In this article
Personal finance software reviewed Video guide: What makes Best Buy personal finance software?

Personal finance software can help you manage your bank accounts, credit cards and investments, as well as your income and expenditure, all in one place on your laptop or computer.

We put five leading packages – AceMoney, BankTree, Home Accountz, Moneydance, and You Need A Budget (YNAB) – through comprehensive testing to help you find one that is easy to set up and use.

Personal finance software reviewed

Most paid-for personal finance software packages, which typically cost between £30 and £50, allow you to keep on top of your personal and household finances by pulling in information from bank accounts, credit cards and investments. 

They also let you plan budgets and analyse your incomings and outgoings by creating charts, generating graphs and running reports.

The results in our table, below, give you an overview of different packages' specifications and performance. You can click on links in the menu to the left for more in-depth reviews.

Members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a two-month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Best and worst personal finance software
    Test performance    
Best Buy? Software Data input Performance Support Mobile app Investment tracking Test score
Subscriber only content No 76%
Subscriber only content Yes 72%
  Subscriber only content Yes 67%
  Subscriber only content No 67%
  Subscriber only content Yes 56%

Tests took place in April/May 2017. Data input: Considers the ease and speed of which you can enter your financial data. Performance: Considers the ease of use and overall quality of software in a range of areas including data input, search, report-generating, reminder-setting and goal-setting. Support: Considers range and quality of support services, including step-by-step services, email support, telephone support and help forums. Mobile app: Considers how easy the companion app is to install and use, as well as the range of features. Test score: Ignores price. Score is made up of: performance 75%; support 15%; app score 10%. Test scores are not directly comparable to previous years' results.


Video guide: What makes Best Buy personal finance software?

Watch our video to find out what to look out for when you're buying personal finance software.

Please note - some personal finance software packages may state in marketing materials that they can link to bank accounts to import data. In practice, currently, very few banks outside the United States are able to connect directly to personal finance software.